Financial Services Public Policy @RSI | Former Equity Analyst | Columnist @conservateurmag | Contributor @YoungVoicesOrg
West Palm Beach, FL
Joined August 2018
- Tweets7.8K
- Following1.2K
- Followers1.1K
- Likes21.6K
Pinned Tweet
“The root of the issue with financial consumer protection rules is that they degrade the responsibility necessary for freedom to flourish. Liberty cannot truly exist without personal responsibility, and consumers give up more of their liberty each time the government places a ‘pro-consumer’ mandate.”
Caroline Melear retweeted
Trump Accounts may soon be expanded even more to anyone under 40yrs old. That would be another 100 million people, on top of the 70 million kids and 3.5mil babies born each year. This according to Brad Gerstner who is the main guy spearheading efforts on this. He also said Elon is 'tip of iceberg' Nice scoop and piece on it from @LydiaMoynihan @nypost
Caroline Melear retweeted
when i have really dumb questions i'll ask chatgpt or gemini because i don't want claude to think i'm stupid
Caroline Melear retweeted
Legacy banks are already reflexively blocking customers from using AI agents to manage their own accounts
Does this open a new competitive landscape for banks seeking to offer tech and banking freedom?
Competition killed stock trading commissions as we knew it. Is this next?
Caroline Melear retweeted
A 100% inheritance tax provides an incentive for rich people to take more premium-cabin trips before they die rather than invest, undermining capital formation and wages while benefiting airlines.
United Airlines CEO calls for national wealth tax, inheritance taxes approaching 100% foxbusiness.com/fox-news-tra…
Americans being underwater on auto loans has been happening for years already.
Fun fact: when I was pregnant with my son 7 years ago, I wanted to trade in my cute little coupe for a much more practical mid-sized SVU. Salesman did not believe me that I was up on my payments
BREAKING: America’s $1.7 trillion auto loan market is headed for a crash, per Reuters.
Auto loans are now one of the biggest sources of household debt, bigger than credit cards.
And the strain is showing: 1 in 5 Americans is behind on at least one loan, the highest since 2010, and the average car on the road is now nearly 13 years old, a record.
Caroline Melear retweeted
Eighteen years after failing during the 2008 financial crisis, @FannieMae & @FreddieMac remain under federal control and dominate a larger share of the mortgage market than ever.
In my latest @CatoInstitute report, I explain why Fannie and Freddie were never truly private firms, and why blending public housing goals with private markets is a dangerous template for economic policy.
"What is one of [Trump's] answers to the ongoing affordability crisis? Supporting a policy that will effectively take away your credit-card rewards. Seriously."
Read more of @Marc_Hyden's recent piece on Trump's misguided push for the CCCA here:
times-herald.com/opinion/tru…
Caroline Melear retweeted
Calling experienced financial policy professionals!
R Street is seeking a Senior Fellow with expertise in banking, investments, insurance, or related policy areas.
Put your experience to work advancing free markets and effective government.
Apply: bit.ly/4zz1Pbr
nothing would bring me greater joy today than seeing the worst fan base in America lose to my beloved, but currently shitty, alma mater #GoNoles
Caroline Melear retweeted
"The company is a neutral exchange platform, or broker, that has no vested interest in the outcome of any trade. It is paid by a small transaction fee on each 'contract.' Participants make a 'yes' or 'no' prediction on some outcome such as a football game, weather event, or election result. One is always trading against other participants, not the house," writes @StevenGreenhut in a fantastic piece in @amspectator: spectator.org/why-prediction…
This is a really interesting finding. This might mean that when money is on the line, people are less likely to fall for viral rumors. That could have really profound impacts on the way we digest information
Caroline Melear retweeted
JP Morgan Chase is blocking agents.
And that's ok!
Ideally I want agents and AI tools to be able to work with anything, but as I wrote, highly regulated industries with laws like KYC or other privacy regulations have to be careful. We might need changes in law, or banks might need to build more tailored tools. But right now it is risky for some industries to allow agents to roam freely under existing law
Caroline Melear retweeted
A great opportunity for a role I once held. Pass it on if you know someone who would be right for it.
We're hiring!
R Street is looking for a Senior Fellow to join our Finance and Insurance team.
Help advance pragmatic, free-market solutions to America's most pressing financial policy challenges.
Apply today: bit.ly/4s0OwxL
Caroline Melear retweeted
We're hiring!
R Street is looking for a Senior Fellow to join our Finance and Insurance team.
Help advance pragmatic, free-market solutions to America's most pressing financial policy challenges.
Apply today: bit.ly/4s0OwxL
