Julian Morris

2 weeks ago | laweconcenter.org | Julian Morris

Julian Morris, senior scholar at ICLE, is mentioned in this Washington Examiner article on how proposed credit card interest rate caps could backfire by limiting access to credit and harming the very working Americans they aim to help. Read the full article here. It should be no surprise that government-mandated price controls fail to achieve their intended aims in practice, since they make no sense in theory.

2 months ago | laweconcenter.org | Julian Morris |Giuseppe Colangelo

Popular Media Legislation Is a Giveaway to Big Box Retailers at Expense of Arizona Small Business Lobbyists for big box retailers want Arizona’s legislature to impose price controls on card transaction fees. They claim that doing so will save merchants millions of dollars that will be passed on to consumers. But, we’ve heard this story before and it doesn’t end well. It’s also probably illegal. Read the full piece here.

2 months ago | arizonadigitalfreepress.com | Julian Morris

Julian MorrisBy Julian Morris | Thoughts on InnovationLobbyists for big box retailers want Arizona’s legislature to impose price controls on card transaction fees. They claim that doing so will save merchants millions of dollars that will be passed on to consumers. But, we’ve heard this story before and it doesn’t end well. It’s also probably illegal.

Mar 25, 2025 | laweconcenter.org | Julian Morris |Todd Zywicki |Giuseppe Colangelo |Alba Martinez

Popular Media Last month, over 99% of the stockholders of Capital One and Discover formally approved the merger of the two firms. But rumors recently emerged from unnamed sources in the Department of Justice (DOJ) that the merger might be considered anti-competitive due to the relatively large share of the so-called “sub-prime” credit card market held by the two companies.

Mar 25, 2025 | coloradopolitics.com | Julian Morris

Colorado’s state House just passed a bill to regulate various aspects of card transactions in the state. Proponents claim these regulations will save merchants millions of dollars to pass on to consumers. The evidence suggests the opposite is far more likely. The bill also likely violates federal law. HB-1282 prohibits issuing banks from retaining interchange fees on the sales tax and tips portions of a card transaction.