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December 5, 2018 by Alan Daley

Consumers’ Access to Credit

Consumers’ Access to Credit

During the past two years, American consumers have enjoyed vigorous economic growth.  Our second quarter GDP was 4.1%.  The beginning of November showed an annual wage growth rate of 3.1%, 7.4 million job openings, and an unemployment rate of 3.7%.  Those economic conditions welcome recent graduates and some of the marginally attached workers into employment. […]

Filed Under: Blog, Consumer Tips / Health, Finance / Insurance, Issues Tagged With: borrowing, consumer, credit, lending

January 14, 2015 by Alan Daley

Expecting a Crush of Lenders for Low Down Payment Mortgages?

Expecting a Crush of Lenders for Low Down Payment Mortgages?

The most prominent obligation for federal bank regulators – the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, and the Controller of the Currency – is to avoid another taxpayer bailout as happened in 2008. The Troubled Asset Relief Program (TARP) infused $250 billion into banks to stabilize them.  The program was embarrassing to banks […]

Filed Under: Blog, Finance / Insurance, Issues Tagged With: banks, down payment, Fannie Mae, Freddie Mac, lending, loans, mortgage

May 21, 2013 by Steve Pociask

Huffington Post: Give Competition a Chance

The Huffington Post published today a piece by Steve Pociask, president of ACI.  The piece discusses reintroduced designed to allow credit unions to compete against banks for small business lending.  The piece can be downloaded and read here.

Filed Under: Finance / Insurance, Issues, News Tagged With: banks, credit union, lending, loans, small business

November 16, 2012 by Steve Pociask

ACI in the Huffington Post — Why Cap Growth?

As the end of the year fast approaches, there is a lot of work left for Congress to do. Getting the budget in fiscal order is imperative and represents the single most important item to address. However, once the budget is put on safe financial footing, the long-term key to balancing the budget is having […]

Filed Under: Blog, Finance / Insurance, Issues Tagged With: credit union, lending, small businesses

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Welcome

Americans are facing challenges sometimes caused by questionable public policy and regulations that raise industry costs – both of which lead to higher consumer prices and fewer choices for consumers.  ACI's focus is to support concepts which spur competition, encourage innovation, create jobs and benefit consumers overall, while maintaining reasonable and necessary consumer safeguards.

We serve as an academic voice for consumers.  Our goal is to build awareness, survey consumer attitudes on public policy issues, facilitate discussion, and offer research-based solutions that have the best interest of consumers in mind.

We encourage you to sign up for our periodic updates regarding important state and national issues, share this website with family and friends, financially support our research, and check back for updated news and resources.  Feel free to contact us and let your voice be heard.

Is a 501(c)(3) nonprofit educational and research institute founded on the belief that consumers’ interests are not satisfactorily represented by the wide variety of advocacy and consumer organizations that often represent small subsets of consumers and special interests... Read More...

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