# Innovation has expanded choice in consumer finance, but it’s also exposed limits in how well regulation keeps up

Page: https://stenobird.com/podcast/the-federal-drive-with-terry-gerton-504783/innovation-has-expanded-choice-in-consumer-finance-but-it-s-also-exposed-limits-in-how-well-regulation-keeps-up
Text version: https://stenobird.com/podcast/the-federal-drive-with-terry-gerton-504783/innovation-has-expanded-choice-in-consumer-finance-but-it-s-also-exposed-limits-in-how-well-regulation-keeps-up.md
Podcast: [The Federal Drive with Terry Gerton](https://stenobird.com/podcast/the-federal-drive-with-terry-gerton-504783)
Published: 2026-05-12T11:00:00+00:00
Episode link: https://mgln.ai/e/345/rss.art19.com/episodes/6ecc8ec4-d9d1-4fcd-a760-d34d744c8122.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
Audio file: https://mgln.ai/e/345/rss.art19.com/episodes/6ecc8ec4-d9d1-4fcd-a760-d34d744c8122.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
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Duration seconds: 825

## Resource

From fintech tools to new credit models, consumer finance has changed faster than the regulatory framework around it. Todd Zywicki says that gap is a central focus of the new Institute for Consumer Financial Choice at George Mason University, which is designed to bring more empirical research into consumer‑finance policy debates. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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