Press Release
SPPI Names Andrew Rodrigo Nigrinis Senior Fellow
Former CFPB enforcement economist will expand the institute’s research on consumer finance, banking, and financial regulation.
White Paper No. 14
The Moral Hierarchy of Debt
Why America’s most trusted loan is its most expensive, and who decided otherwise.
Latest
White Paper No. 13
The Misuse of Government Research
The CFPB’s Medical-Debt Reporting Rule
Coalition Letter
SPPI Joins Coalition Urging Senate Committee Leaders to Reject the Railway Safety Act
The letter urges the chairmen and ranking members of three Senate committees to reject the administration's proposal to add the Railway Safety Act of 2025 (H.R. 928), with its two-person freight crew mandate, to the surface transportation reauthorization.
White Paper No. 12
Oklahoma’s Parchment Guarantee
Two Oklahoma statutes point in opposite directions for a captive risk retention group, and seven years of enforcement built on the one a court later rejected still has not answered whether the company can pay its claims.
Coalition Letter
SPPI Joins Coalition Urging FTC to Revise Its Personalized Pricing Proposal
The letter asks the Federal Trade Commission to narrow its proposed personalized pricing policy statement, require proof that a consumer's personal data affected the price before alleging a violation, and protect ordinary discounts and price changes.
Coalition Letter
SPPI Joins Coalition Urging President Trump to Reject a Diesel Export Ban
A letter from 28 organizations asks President Donald J. Trump to reject a proposed ban on exports of diesel and other refined petroleum products.
Coalition Letter
SPPI Joins Coalition Urging Treasury to Close the Chinese Battery Component Loophole
The letter asks Treasury Secretary Scott Bessent and the IRS to enforce the One Big Beautiful Bill Act's foreign-entity restrictions so Chinese-controlled battery companies cannot claim Section 45X or 48E tax credits through U.S. subsidiaries or contracts.
Op-Eds
RealClearMarkets
Elizabeth Warren Came to Dance On a Grave. The Corpse Was at Home
DC Journal
What Does a Pizza Have to Do With a Loan?
National Review
When the Horseshoe Isn’t Just a Theory
The Wall Street Journal
How Did a Nonprofit Become America’s Insurance Regulator?
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The Wall Street Journal
Issues
Consumer FinanceCredit access, rate caps, the CFPB, banking, payments and retirement savings.Insurance RegulationNAIC governance and state insurance oversight.HousingMortgages, rents, building codes and housing supply.Government Transparency & AccountabilityPublic records, litigation, lobbying and procurement.
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