2026
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Op-Ed
The insurance fix isn’t in Washington, D.C.
I’ve gotten the letter about the weeds. I’ve sat through the meetings. But if I want to see where my homeowners association dues go, I have the law on my side: a written request, 10 business…
Originally published inSanta Fe New Mexican
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Letter to the Editor
Banning personalized pricing isn’t fairness
You kept your driving record clean and paid your bills on time. Your insurer and your bank noticed and they charged you less. That’s personalized pricing. Insurers and lenders call it underwriting. A campaign to outlaw…
Originally published inThe Washington Times
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In the News
The CFPB’s Medical-Debt Rule Lacked an Adequate Empirical Basis, Nigrinis Finds
AccountsRecovery.net reports on White Paper No. 13, in which Andrew Rodrigo Nigrinis examines the research the CFPB relied on for its medical-debt reporting rule.
Covered inAccountsRecovery.net
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Op-Ed
Markets Are Sending a Message on Energy; Texas Should Listen
Natural gas prices across the Southwest tell a story no courtroom can dispute. Gas futures have remained below $3 per million BTU through August, settling at $2.69 in the day-ahead market as of early October. In…
Originally published inDC Journal
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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.
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White Paper No. 14
The Moral Hierarchy of Debt
Why America’s Most Trusted Loan Is Its Most Expensive, and Who Decided Otherwise
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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…