2026
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Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
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Press Release
SPPI Names Gregory A. Schroeder Executive Vice President
Lending and mortgage veteran will guide the institute’s work on credit access and consumer finance.
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Op-Ed
Indebted Americans need help, not restrictions on settlement services
According to research from The Federal Reserve Bank of New York, roughly 60% of the 175 million American adults holding credit cards carry a balance.
Originally published inAmerican Banker
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
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White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
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Policy Brief
Regulation Without Disclosure
What the GAO’s review of the NAIC means for insurance consumers.
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Op-Ed
There’s No Such Thing as Free Data
The government should allow banks and software companies to negotiate the price of financial data freely.
Originally published inNational Review