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Joe Valenti Archives

The Case Against Mandatory Consumer Arbitration Clauses

Courtroom article icon Issue Brief Federal agencies are looking to limit rip-off clauses in fine print that deny access to justice.

by Joe Valenti | Tuesday, August 2, 2016

Many Happy Returns for Consumers: The CFPB at 5 Years

CFPB directorPolicymakers should support the Consumer Financial Protection Bureau for its efforts to hold banks accountable and to rebuild public trust.

by Joe Valenti | Thursday, July 21, 2016

Infographic: Payday Loans: Beneath the Surface

shark fins and dollar billsAdopting a strong rule on payday and auto title loans would greatly reduce the potential for predatory loans to destabilize families and communities.

by Joe Valenti | Monday, June 27, 2016

Take Card Vendors Out of the Student Aid Refund Game

Elizabeth Baylor and Joe Valenti discuss how the U.S. Department of the Treasury's DirectExpress debit card for college students can help make sure refund money is secure and accessible.

by Elizabeth Baylor and Joe Valenti | Thursday, May 5, 2016

A Secure Retirement Demands Limiting Conflicts of Interest

retirement homeThe U.S. Department of Labor’s final rule on conflicts of interest will protect savers and retirees, as well as improve trust in financial advice.

by Joe Valenti | Wednesday, April 6, 2016

5 Trends to Watch in Consumer Finance

Customers using ATMsExpanding opportunity through finance demands attention to demography, technology, and sound public policy.

by Joe Valenti | Tuesday, February 23, 2016

Making myRA a More Effective Savings Option

Elderly coupleThe myRA program simplifies savings and can be strengthened to boost participation and trust.

by Joe Valenti and David Madland | Tuesday, January 12, 2016

Building Financial Security by Overcoming Identification Barriers

Applicants wait for ID cards.For unauthorized immigrants, identification can also be a tool for financial inclusion.

by Joe Valenti | Tuesday, December 15, 2015

Financial Rollbacks Would Leave Coal in Consumers’ Stockings

The U.S. Capitol domeCongress should not use a budget deal to roll back financial reforms that protect consumers and the broader economy.

by Joe Valenti and Sarah Edelman | Wednesday, December 2, 2015

Missourians deserve an end to payday lending

Authors Joe Valenti and Tishaura Jones argue that Missouri should ban predatory payday lending, which disproportionately affects people of color.

by Joe Valenti and Tishaura Jones | Tuesday, November 17, 2015

Infographic: Mobile Banking By the Numbers

Mobile financial tools can help the nearly 10 million households without bank accounts enter the financial mainstream and collectively save billions of dollars in fees.

by Joe Valenti and Pete Morelewicz | Thursday, September 24, 2015

Predatory Lending: Faith Communities Mobilizing to Defend the Vulnerable

Joe Valenti and Claire Markham discuss the documented economic harm of predatory loans and how faith traditions are reminding policymakers that exploiting the vulnerable is wrong.

by Joe Valenti and Claire Markham | Tuesday, August 18, 2015

The Fiduciary Rule Would Put Savers’ and Retirees’ Best Interests First

Joe ValentiJoe Valenti, Director of Consumer Finance, testifies before the U.S. Department of Labor.

by Joe Valenti | Wednesday, August 12, 2015

Rewarding Tax-Time Savings Through Existing Law

tax fillerThe Internal Revenue Service can make administrative changes to help taxpayers qualify for the Saver’s Credit and boost their retirement savings.

by Harry Stein and Joe Valenti | Thursday, August 6, 2015

Cash Management Rule Maximizes Student Access to Financial Aid Dollars

College student in dormThe U.S. Department of Education’s proposed regulations of campus financial products would ensure that students’ best interests are met.

by Joe Valenti and Elizabeth Baylor | Wednesday, July 29, 2015