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Publications: Becca Trate

February 7, 2024

Comments to the CFPB on the Larger Participant Rule

The Consumer Financial Protection Bureau’s (CFPB) proposed rule on subjecting large non-bank participants in the general-use digital consumer payment application industry to CFPB supervision will limit the ability of non-bank firms to continue offering innovative products and services.

January 24, 2024

Congress Should Reform De Minimis Rules for High-volume Sellers

To address concerns the de minimis threshold makes it easier for foreign companies to send illicit goods and products made with forced labor to the United States, without undermining legitimate e-commerce, Congress should increase the documentation requirements for all foreign shipments and cap the use of the de minimis exemption for high-volume sellers.

November 30, 2023

SHOP SAFE Act Could More Effectively Address Counterfeiting Online

The new SHOP SAFE Act, introduced in late September by U.S. Senators Chris Coons (D-Del.) and Thom Tillis (R-N.C.), will help crack down on harmful counterfeit products online. There are a few changes that could make the bill more effective.

November 27, 2023

Policymakers Should Not Slow Down Fast Deliveries

Policymakers need to consider the long-term interests of consumers and the continued growth of the e-commerce sector when drafting and implementing new laws and regulations that could slow down the fast logistics networks on which consumers depend.

November 15, 2023

Policymakers Shouldn’t Assume Algorithmic Pricing Is Anti-competitive

It is important policymakers do not demonize algorithmic pricing and allow firms to use algorithms to automatically adjust prices in response to changing market conditions.

October 23, 2023

Combating Organized Retail Crime Will Require More Than Targeting High-value Shoplifting

Congress should amend the Combating Organized Retail Crime Act to underscore the differences between shoplifting and organized retail crime while empowering law enforcement to find and target stolen goods on online resale platforms.

July 31, 2023

The COOL Online Act Fails to Create Parity in Country of Origin Labeling Requirements

The Senate has introduced legislation to give consumers access to information about the origins of products sold online. But despite its good intentions, the bill would create uneven playing fields for brick-and-mortar stores, online retailers, and online marketplaces.

June 23, 2023

Fake Reviews Remain a Problem, But Policymakers Can Cut Them Off at the Source

Businesses and e-commerce platforms have taken steps to remove fraudulent reviews, but policymakers need to address the problem of fake review brokers, or those who facilitate the creation and posting of fake reviews.

June 22, 2023

Comments to the FTC on the Negative Option Rule

The Commission proposes updating the rule to reflect new types of subscription services and simplifying the cancellation process by creating a “click to cancel” option. The Center for Data Innovation supports the Commission’s goals and offers four recommendations.

June 22, 2023

Demonizing Data Collection Is the Wrong Way to Address Legitimate Concerns About Chinese E-commerce Apps

Unfounded concerns about data use disparage legitimate businesses practices, ignore the benefits that these apps provide to consumers, and draw the focus away from legitimate concerns about product safety, forced labor, and counterfeit goods. Focusing on legitimate harms, not creating concerns about data, is the path forward to protecting U.S. consumers.

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