David S. Evans, frequent PYMNTS.com contributor and author of Paying with Plastic, was cited in today’s Wall Street Journal’s editorial for his influential work in opposition of the Consumer Financial Protection Act.

Today’s Journal’s lead editorial, The Big Bank Excuse, states that one of the big influences before the House vote on the bill was a “study by researchers at the University of Chicago and George Mason that predicted the regulatory burdens of the Obama plan would raise interest rates, reduce access to credit, and reduce net new jobs created in the economy by 4.3%.”

This report was authored by David Evans and his colleague at George Mason, Joshua D. Wright and concluded that the CFPA Act of 2009 would make it harder and more expensive for consumers to borrow. The report, titled The Effect of the Consumer Financial Protection Agency Act of 2009 on Consumer Credit can be downloaded here.

And, to paraphrase the WSJ says, here’s one for the little guys ... Let us know what YOU think.