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Financial Services

CPC experts in financial services analyze and evaluate fraud, deception, and unfair practices.

Highlighted Work

Release

Proposed Rules for Stablecoins Have Pluses and Minuses

  New CPC Report Analyzes Proposal by Federal Agencies Related to the 2025 GENIUS ACT Washington, D.C. – In July 2025, the GENIUS Act, a Federal law regulating payment stablecoins went into effect. This new form of currency is being offered by services such as PayPal, Apple Pay, and…

  • Consumer Policy Center
Mark Budnitz
April 7, 2026
federal regulations and lacking consumer protection in genius act
Journal Article
December 18, 2025
Big Tech and Consumer Payments: the Good, the Bad, and the Unintended Consequences
Mark Budnitz
December 18, 2025
Mark Budnitz
  • Loyola Consumer Law Review
Op-Ed
November 24, 2025
Stablecoin Risks Loom
Mark Budnitz
November 24, 2025
Mark Budnitz
  • Payments Dive
Article
September 12, 2025
6 Keys to Challenging Electronic Terms & Conditions
Margot Saunders
September 12, 2025
Margot Saunders
  • National Consumer Law Center

Other Products

Report

The Genius Act of 2025 Does Not Adequately Protect Consumers Who Use Stablecoins to Make Payments

Mark Budnitz - October 6, 2025

Consumer Policy Center

Journal Article

New Developments in Payment Systems and Services Affecting Low-Income Consumers

Mark Budnitz - December 31, 2023

Georgetown Journal nf Poverty Law and Policy

Journal Article

A Rose Is A Rose: Electronic Commerce Spawns Word Confusion

Mark Budnitz - August 9, 2021

Georgia State University Law Review

Journal Article

Touching, Tapping, and Talking: The Formation of Contracts in Cyberspace

Mark Budnitz - January 1, 2019

Nova Law Review

External Journal Article

Fixing America's Broken Insurance Markets in a Time of Climate Change

Daniel Schwarcz - October 11, 2024

Harvard Environmental Law Review

External Journal Article

Banking The Poor

Michael S Barr - January 1, 2004

Yale Journal On Regulation

External Journal Article

Product Safety Regulation as a Model for Financial Services Regulation

Elizabeth Warren - August 28, 2008

Journal of Consumer Affairs

Report
The GENIUS ACT at Six Months: Proposed Federal Stablecoin Regulations Still Fall Short on Consumer Protection
  • Mark Budnitz
  • April 7, 2026
Consumer Policy Center
Report
The Genius Act of 2025 Does Not Adequately Protect Consumers Who Use Stablecoins to Make Payments
  • Mark Budnitz
  • October 6, 2025
Consumer Policy Center
Journal Article
Factors That Influence Willingness to Commit Insurance Fraud
  • Brenda Cude
  • June 14, 2025
The Journal of Consumer Affairs
Article
The Transformation of Consumer Payments: Benefits, Dangers, and the Need For Regulation
  • March 3, 2025
Consumer Policy Center
External Journal Article
Fixing America’s Broken Insurance Markets in a Time of Climate Change
  • Daniel Schwarcz
  • October 11, 2024
Harvard Environmental Law Review
Journal Article
New Developments in Payment Systems and Services Affecting Low-Income Consumers
  • Mark Budnitz
  • December 1, 2023
Georgetown Journal nf Poverty Law and Policy
Testimony
Cashed Out: How a Cashless Economy Impacts Disadvantaged Communities and Peoples
  • Norma P. García
  • October 14, 2021
MEDA
Journal Article
A Rose Is A Rose: Electronic Commerce Spawns Word Confusion
  • Mark Budnitz
  • August 9, 2021
Georgia State University Law Review
Journal Article
Touching, Tapping, and Talking: The Formation of Contracts in Cyberspace
  • Mark Budnitz
  • January 1, 2019
Nova Law Review
External Journal Article
Product Safety Regulation as a Model for Financial Services Regulation
  • Elizabeth Warren
  • August 28, 2008
Journal of Consumer Affairs
External Journal Article
Banking The Poor
  • Michael S Barr
  • January 1, 2004
Yale Journal On Regulation

Experts

Brenda 2
Personal Finance/Financial Education

Brenda Cude

Senior Fellow
Margot Saunders CPC Senior Fellow
Financial Services

Margot Saunders

Senior Fellow
Budnitz
Financial Services

Mark Budnitz

Senior Fellow
Norma-Garcia
Financial Services

Norma P. García

Senior Fellow

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