Diego Zuluaga


Diego Zuluaga is a policy analyst at the Cato Institute’s Center for Monetary and Financial Alternatives, where he covers financial technology and consumer credit. He is the author of the Cato papers “The Community Reinvestment Act in the Age of Fintech and Bank Competition” (July 2019) and “Should Cryptocurrencies Be Regulated like Securities?” (June 2018). Zuluaga recently testified on the economic impact of interest-rate restrictions before the U.S. House Subcommittee on Consumer Protection and Financial Institutions.

Before joining Cato, Zuluaga was Head of Financial Services and Tech Policy at the Institute of Economic Affairs in London. While at the IEA, he wrote on international capital mobility, multi-sided platform regulation, and price controls on consumer credit, among other subjects. Diego’s work has featured in print and broadcast media, such as Politico, the Wall Street Journal, Newsweek, American Banker, the London Times, and the Daily Telegraph. Zuluaga is a prolific public speaker as well as a former lecturer in economics at the University of Buckingham.

Originally from Bilbao in northern Spain, Zuluaga holds a BA in economics and history from McGill University, and an MSc in financial economics from the University of Oxford.