Brad Lipton

The Trump administration has stopped work at the CFPB. Here's what the agency does It's the main U.S. agency tasked with overseeing the financial products and services used by everyday Americans. The CFPB's new head has closed its offices and told staff to stay home.

Corporate Power Director @bradlipton.bsky.social: the real con is using every trick in the book to let scammers and Wall Street take people’s hard-earned money, making families’ household balance sheets, retirement, and just about everything else harder.

For instance: www.npr.org/2025/02/10/n...

Keeping an Eye on Surveillance Pricing and Wage Legislation - Roosevelt Institute Corporations are increasingly using detailed information about their customers and workers to target them with individualized higher prices and lower wages. (They may not be advertising it much, but b...

I wrote about this in July: once prices can be tweaked based on what companies think they can extract, markets start to break down. Glad to see the state-level activity on this, and as @linamkhan.bsky.social says, this is just a first step. rooseveltinstitute.org/blog/surveil...

N.Y. Law Could Set Stage for A.I. Regulation’s Next ‘Big Battleground’

Are people are hitting their limit on what they’ll tolerate in the name of corporate profits? When companies can adjust prices based on your data, it breaks the basic expectation that markets let people shop and choose freely. www.nytimes.com/2025/11/29/n...

This story is honestly insane. Faraway investors buying up Detroit homes and turning them into crypto tokens; letting housing fall into disrepair, and evicting residents. This is what happens in an extraction economy.

How the American dream turned out to be pay to play [FREE TO READ] Big brands from Disney to American Express are profiting from economic divisions and making them wider

Companies are working overtime to stratify consumers, separating the haves from both the have nots and the have yachts

on.ft.com/4p6brF8 How the American dream turned out to be pay to play

Comparing Oranges to Onions: What Is Crypto “Market Structure,” and Why Is It Important? - Roosevelt Institute Congress is currently considering the second bill of its planned three-part trilogy on cryptocurrency. The first was the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act, w...

People feel the economy is rigged against them—and they’re right. The CLARITY Act and the version the Senate is considering are a power grab by the crypto industry. bit.ly/4pN2Rws

So in a very real sense, these bills aren’t even “about” crypto—they are about weakening the way that our government protects all investors. The bills could undermine not only protections that crypto investors receive but protections for investors much more broadly.

The major concern with both bills is that this weaker regulatory regime for #cryptocurrency could blow a gigantic hole in the financial system. Many companies—including companies that have nothing to do with crypto—may use crypto to raise money just because fewer investor protections would apply.

What Would the New Crypto “Market Structure” Bills Do, and What Dangers Do They Pose? - Roosevelt Institute The Senate has announced that it will consider a significant bill on cryptocurrency in the coming weeks, the second in a planned trilogy of crypto laws. This blog post summarizes the House and Senate ...

This bill is about crypto “market structure.” That may sound abstract, but it’s simple: who regulates crypto? These bills shift power from the SEC, which enforces strong investor protections, to the weaker CFTC. That leaves everyday people and the broader economy at risk. bit.ly/46X0G1J

A lot is being said about #crypto in Washington right now. The Senate has markup planned soon on the second bill in a planned trilogy. What’s it about and why should you care? I’ve broken down why we all need to be paying attention via @rooseveltinstitute.org's blog. Let me dive in. 🧵

A table titled "What's Regulated" with two rows and three columns. The top row headings are "Security," "Regulatory Scheme," and "Commodity." The bottom row contains descriptions: under "Security," a list including stocks, bonds, and investment contracts; under "Regulatory Scheme," details about the regulatory regime of the SEC, including disclosure, enforcement, and investigations; and under "Commodity," a statement about nearly any agreement for something promised to be delivered in the future and deals with lighter CFTC regulations and proving wrongdoing.

Congress is rewriting the rules of crypto.

The next “market structure” bill could shift oversight from the SEC to the CFTC—gutting investor protections and risking another financial crisis. Brad Lipton with the explainer you need 👇: rooseveltinstitute.org/blog/w...

U.S. President Donald Trump standing in the Oval Office, with a bold caption about corporations and government overlaid on the photo.

When billionaires like Elon Musk stroll the Oval Office, it’s a reminder: corporations will bend government to their own interests.

In #FiresideStacks🔥, Brad Lipton explores why leaders must act boldly so government truly works for the people. www.firesidestacks.com/p/corporatio...

Pasta with uni and tobiko

Pasta with uni, Calabrian chili, and tobiko. Inspired by @kenjilopezalt.bsky.social with a few adjustments (fish sauce, the tobiko).

Americans would save $100B if credit card rates were capped as Trump proposed, researchers say A new paper from Vanderbilt University suggests Americans could save about $100 billion annually if credit card interest rates were capped at 10%, as proposed by President Donald Trump.

Bumping research by my former colleague Brian Shearer showing that a credit card rate cap of 15% would save Americans $48 billion a year *without making any FICO tier unprofitable*. (Brian now works for @ganeshsitaraman.bsky.social.) apnews.com/article/cred...

Winning a People-Powered Future By bringing the public into the policymaking process, we can shape a better economy and rebuild faith in democracy.

"People are experts on what’s not working in their lives. And when so many say they don’t have the time to both care for their loved ones and make a living, policymakers need to take that cue." - @elizabethwwilkins.bsky.social is essential reading.

democracyjournal.org/magazine/78/...