2024
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Op-Ed
The Supreme Court has emboldened the CFPB, threatening American consumers
The Supreme Court’s recent ruling will only embolden CFPB Director Rohit Chopra, who has increasingly instituted overly broad regulatory actions.
Originally published inThe Hill
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Press Release
SPPI Expresses Disappointment in Supreme Court Ruling Upholding CFPB Funding Structure
The Southwest Public Policy Institute warns that this decision will embolden regulatory overreach and drive consumer prices up.
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Press Release
Conclusion of Alaskan Legislative Session: Victory for Alaskan Consumers
The Southwest Public Policy Institute applauds the Alaskan Senate Finance Committee’s decision to not advance House Bill 145 and Senate Bill 264, ensuring continued consumer access to diverse emergency credit options.
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TV & Radio
New Interview Alert: Brenner on CFPB Overreach with American Legal Record Podcast
Patrick M. Brenner, recently appeared on the American Legal Record Podcast to discuss his views on the Consumer Financial Protection Bureau (CFPB) and its latest regulatory moves. In this insightful interview covered by American Credit News,…
OnAmerican Legal Record
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Testimony & Comments
A Call for Prudent Consumer Credit Legislation in Alaska
Representing the Southwest Public Policy Institute, I recently had the opportunity to testify before the Alaska House Finance Committee and the Alaska Senate Community and Regional Affairs Committee regarding proposed legislation on consumer credit. The bills…
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Policy Brief
Is the CFPB Paving the Way for Single-Payer Healthcare Through Medical Debt Reform?
The CFPB’s recent modifications to medical debt reporting may be subtly steering the U.S. toward a single-payer healthcare system by minimizing the visibility of medical debt.
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Press Release
SPPI to Testify in Alaska Against Consumer Credit Price Control Bills
The Southwest Public Policy Institute (SPPI) has been invited to provide expert testimony in the upcoming legislative sessions for Alaska House Bill 145 and Alaska Senate Bill 264, which will take place on April 30, 2024.
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Policy Brief
New Mexico’s Upcoming Special Session: Safety or Statism?
Governor Michelle Lujan Grisham’s recent announcement of yet another special legislative session in New Mexico, set to commence on July 18, 2024, ostensibly aims to enhance public safety—an objective no reasonable person would oppose. However, the…