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Lawmakers should embrace an overhaul of financial regulation

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The economy was one of the defining issues of the midterm elections, with inflation and the rising cost of living topping the list of concerns for American voters.

Now, a divided Washington faces the task of finding common ground to tackle these pocketbook challenges. Supporting an open and competitive economy should be a top priority, because a competitive marketplace means more choices and lower costs for consumers, businesses and the economy.

Technology-driven financial services (or fintech) are breaking down barriers to financial services. More than eight in 10 American consumers use financial technology to manage their money, improve their financial well-being and access preferred financial services. Seventy-seven percent of consumers say fintech services made it easier to pay for their purchases and build better financial habits. Strong pluralities of users say fintech helps them understand their finances better and put money aside in savings

But Washington can help unleash even more consumer benefits by modernizing its approach to financial policy and regulation….

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