Patrick M. Brenner
-
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
-
White Paper No. 14
The Moral Hierarchy of Debt
Why America’s Most Trusted Loan Is Its Most Expensive, and Who Decided Otherwise
-
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.
-
Op-Ed
When the Horseshoe Isn’t Just a Theory
Nowhere is the horseshoe theory more readily apparent than in consumer finance.
Originally published inNational Review
-
Op-Ed
How Did a Nonprofit Become America’s Insurance Regulator?
States have surrendered much of their power to a private organization with almost no transparency.
Originally published inThe Wall Street Journal
-
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.
-
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