"New York Times" bestselling author Jay W. Richards examines the adverse effects of new credit regulations and shows policymakers, business leaders, and citizens how to fix them

Jay W. Richards exposes the activists, philanthropists, and politicians who are exploiting the financial crisis to increase government control over our money and our lives. He explains how new, extremist regulations are both unnecessary for finance reform and harmful to the financial well-being of Americans.

Richards argues that the Dodd-Frank Act has failed in its objectives and empowered activists to extend their influence ever deeper into the financial markets, jeopardizing much of the financial freedom we now take for granted.

Jay W. Richards, Ph.D., is coauthor of the "New York Times" bestseller "Indivisible" and author of "Money, Greed, and God," which won a 2010 Templeton Enterprise Award.