Restricting Access to Capital

The lifeline of any business is access to capital. Without the necessary funds, entrepreneurs cannot turn their innovative ideas into startup companies, small businesses cannot grow their existing companies, and large companies cannot become Fortune 500 companies. The health of an economy is in large part determined by how dynamic or entrepreneurial it is. Business creation means economic growth, higher wages and better products at lower prices. Regrettably, the U.S. economy today is less entrepreneurial than it has been in the past three decades.

While many reasons exist for the decline in entrepreneurship, government regulation is a leading factor. Burdensome and complex federal securities regulation and banking regulation restrict the ability of small firms to raise the capital needed to start or grow businesses.

Briefs

Government Regulation: Restricting Access to Capital

Background: The lifeline of any business is access to capital. Without the necessary funds, entrepreneurs cannot turn their innovative ideas into startup companies, small businesses…

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Blog posts

Congress Has Its Best Shot Yet to Repeal Dodd-Frank

Earlier this year under the leadership of Chairman Jeb Hensarling (R-TX), the House Financial Services Committee passed the Creating Hope and Opportunity for Investors, Consumers,…

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Dismantling Dodd-Frank: How Congress Can Begin to Restore Financial Security

By Norbert Michel, Heritage Foundation Financial Regulations Expert President-elect Donald Trump campaigned on the promise of dismantling Dodd-Frank, and now Senate Democrats are pretty much…

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Video: Norbert Michel Argues the Case Against Dodd-Frank on Mortgage Shots

https://www.youtube.com/watch?v=m1ekCZD-3V0 Heritage Foundation Financial Regulations Expert Norbert Michel sits down with Brian Stevens of Mortgage Shots to discuss why Congress should repeal Dodd-Frank. Watch the interview…

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How to Wreck a Law: How the SEC Thwarted the Will of Congress and the President with Crowdfunding

Guest Blog: Sentinel Business Owner, Jonathan B. Wilson In a rare moment of bipartisan unity, both sides of Congress came together in the passage of…

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Small-Dollar Loans: How the Latest Rules from the CFPB Are Likely to Harm Millions of Consumers

https://www.youtube.com/watch?v=ed7DpdlhoeE The Consumer Financial Protection Bureau (CFPB) has issued its proposed rule for “Payday, Vehicle Title, and Certain High-Cost Installment Loans.”  The proposal is open…

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Video: How to Discuss Conservative Issues in your Community

https://www.youtube.com/watch?v=p16sK9roImM&feature=youtu.be The majority of Americans agree that consumers lose with Dodd-Frank because the law is consumer protection for billionaires. Watch CEO & Managing Partner of Heart &…

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Heritage Action Supports Hensarling’s Financial CHOICE Act (H.R. 5983)

In response to the housing collapse and financial crisis of 2007-08, Congress rushed to pass the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act…

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Clinton’s Small Business Plan is More Government

Democrat presidential nominee Hillary Clinton will roll out her plan to make American small businesses great again, or in her words: “to support small businesses…

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Business Owner Sentinel Strategy Call 08/17/16

Yesterday, conservative business owners from across the country joined together for monthly Heritage Action Sentinel Strategy call. During the call we discussed how federal regulations stemming…

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Dodd-Frank Cost $36 Billion, 73 Million in Paperwork Hours

A recent report from the American Action Forum (AAF) shows that total regulatory cost from the Dodd-Frank Act of 2010 now exceeds $36 billion. This…

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How Congress Can Improve Access to Capital for Small Businesses

Business owners and entrepreneurs know that the most innovative idea is not enough to be successful. Without healthy access to capital the best business idea…

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House Republicans Outline Proposal to Reform Regulations, Rein in Regulators

This Tuesday, a task force of House Republicans released a regulatory policy agenda outlining what policies Congress should enact to help jumpstart the economy. Entitled…

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Financial CHOICE Act Represents Major First Step to Repeal Dodd-Frank

Guest Blog: Authored by Heritage Foundation financial regulation expert Norbert Michel. The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act is among the most inappropriately named laws…

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Federal Regulations Cost over $62 Billion so far in 2016

As of January 1, 2016, federal regulators finalized 112 new rules totaling $62.73 billion in compliance costs and over 14 million hours in paperwork. Last…

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Online Lending Providing Greater Access to Capital for Small Business Owners

According to data from Morgan Stanley, online lenders provided $7.9 billion in small business loans last year, a 68% increase from 2014. Caused in part…

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