USA: Kreditkortlov med uforudsete konsekvenser

Selv tør jeg ikke slå til lyd for en så dereguleret bank- og finanssektor, at forbrugerne ikke nyder en vis beskyttelse mod Big Business

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26/08/2010

Selv tør jeg ikke slå til lyd for en så dereguleret bank- og finanssektor, at forbrugerne ikke nyder en vis beskyttelse mod Big Business. Men denne leder fra The Detroit News argumenterer for, at indgreb altid har konsekvenser.

Når man laver en kreditkortlov for at beskytte forbrugerne, så reagerer markedet ved at hæve renten - til skade for forbrugerne:

And so now a law intended to protect consumers from spikes in credit card interest rates has triggered a spike in credit card interest rates; the law is bound to have other costly effects as well.

This is yet another example of the law of unintended consequences -- which Congress continues to ignore. At some point, consumers are going to wake up to the fact that theyre better off dealing with Big Business on their own, without the very expensive assistance offered by Congress.