Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
Author: Patrick M. Brenner
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.
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
What the GAO’s review of the NAIC means for insurance consumers.
Why regulators must look beyond patient access and weigh the risks of foreign supply chain dependencies.
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Originally published at thehill.com on May 27, 2026. Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That is what happened to Spirit. Now, just as travelers are watching […]
A new comment letter from the Southwest Public Policy Institute highlights the existential threat that state-level interference poses to the national economy.
Why state-level price controls threaten $35 billion in credit card rewards and household budgeting.