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Op-Ed in Fortune: The Hidden Price of Cashless Retail

Op-Ed in Fortune: The Hidden Price of Cashless Retail

Charlie Thaxton

April 3, 2019

In Fortune, we detail how cashless retail entrenches big banks, steps cities and states are taking to regulate it, and the ultimate effect credit card fees have on small businesses and the economy at large.  READ MORE


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Distribution of Credit Card Loans by Banks Size, 1994-2018

Distribution of Credit Card Loans by Banks Size, 1994-2018

Published by: ILSR

May 15th, 2019

Credit card lending has seen major growth in the past decades. With that growth has come almost unparalleled concentration. Today, about half of all credit cards are issued by giant banks, who also dominate the amount of total credit extended. That[...]


Number of New Banks Created by Year, 1993 to 2018

Number of New Banks Created by Year, 1993 to 2018

Published by: ILSR

May 14th, 2019

The number of community banks has declined sharply in the last decade. A significant share of the decline is owed to the fact that virtually no new banks have been created since 2009. Between 2004 and 2008, before the financial[...]


Share of Deposits by Size of Institution, 1994 to 2018

Share of Deposits by Size of Institution, 1994 to 2018

Published by: ILSR

May 14th, 2019

In 1994, giant banks, defined as those with over $100.2 million assets in 2018 dollars, held only a small portion of U.S. deposits. Today, they control 53 percent of the market, while small and mid-sized banks and credit unions have[...]


In Depth

Understanding the Small Business Credit Crunch

Understanding the Small Business Credit Crunch

Stacy Mitchell

April 16, 2014

Even as their big competitors are awash in capital, many locally owned businesses are struggling to secure the financing they need to grow. This analysis finds that, since 2000, bank lending to large businesses is up 36 percent, while small business loan volume has fallen 14 percent and "micro" business loans — those under $100,000 — have plummeted 33 percent.  READ MORE


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