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White Papers

Examining the Data Behind the CFPB’s Arbitration Rule

On July 10, 2017, the Consumer Financial Protection Bureau issued a Final Rule in which it prohibited individual arbitration agreements between financial services companies and...
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Protecting Consumers in the Digital Currency Economy

“Protecting Consumers in the Digital Currency Economy” presents guiding principles on consumer protection for businesses working with digital currencies and other blockchain-based assets. The document is the culmination of this summer’s Bretton Woods 2016 workshop, hosted by Consumers’ Research, which gathered regulators, legislators, policy-makers, legal experts, and members of the financial services industry.
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EMP White Paper

Electromagnetic pulses (EMPs) are a little understood phenomenon that many believe could pose a serious threat to our nation’s critical infrastructure. EMPs may sound like something out of a science fiction novel: a nuclear blast at high altitude or particles from a solar storm interacting with the Earth’s magnetic field to cause disruption or damage to the electrical grid and electronics. This paper will outline the EMP threat, and provide an overview of current and potential mitigations, including the state of legislative and policy activity. It draws on the 2008 report from the Commission to Assess the Threat to the United States from Electromagnetic Pulse Attack, reputable open-source resources, and interviews with subject matter experts in government and private industry.
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Bretton Woods 2015 White Paper

Consumers’ Research hosted “Bretton Woods 2015” from July 13, 2015 – July 15, 2015, an “under the radar” workshop at Omni Mount Washington Resort held in the spirit of the original Bretton Woods Conference. The purpose of the workshop was to gather a small group of experts from various backgrounds to drive consensus on the future of the perception, regulation, and adoption of blockchain technologies.
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Bitcoin Taxation: Recommendations to Improve the Understanding and Treatment of Virtual Currency

Consumers' Research co-produced this white paper along with Erin M. Hawley, Associate Professor, University of Missouri School of Law. This paper explores the taxation policies towards digital currencies such as bitcoin, and the ways it may change the way we approach taxation.
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