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. Zuluaga is the author of “Should Cryptocurrencies Be Regulated like Securities?” and “The Community Reinvestment Act in the Age of Fintech and Bank Competition.” He has previously testified on the impact of restrictions on short-term lending before the 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 there, he wrote on a range of financial regulatory issues, such as the social value of finance, the taxation of capital income, and the importance of free capital mobility around the world. His work has been featured in print and broadcast media, such as Politico, the Washington Post, the Wall Street Journal, Newsweek, American Banker, and the London Times. 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.