Market Insights

When policymakers talk about consumer protection or market stability, pricing is often treated as a blunt instrument. Cap rates, fee limits, and interest ceilings are framed as straightforward levers to improve affordability. In practice, pricing changes rarely operate in isolation—and banks respond accordingly. That reality was recently highlighted by This Week in Fintech , which cited Ensemblex co-founder Shawn Budde on how banks and incumbents react to regulatory and polic