Author: Patrick M. Brenner

Categories
Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Transparency Updates

An Overdue Course Correction at the CFPB

Consumer Financial Protection Bureau Southwest Public Policy Institute

Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.

Categories
Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Technology Top Issues Updates

Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators

Fox Business Features SPPI's Swipe Right Lead Generators

National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.

Categories
Conservatism Culture Domestic Policy Economic Opportunity Economy Infrastructure & Technology Life Markets and Finance Political Thought Progressivism Public Opinion Reports Technology Top Issues Updates

Report: Swipe Right

Swipe Right Lead Generators Comparison Shopping Tools Rohit Chopra Consumer Financial Protection Bureau CFPB

How comparison shopping tools and lead generators revolutionize consumer access to products and services.

Categories
Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Updates

Victory in Colorado: HB25-1282 Defeated

Colorado House Bill 1282 Interchange Swipe Fee Price Control Credit Card Rewards Programs

A harmful swipe fee price control bill was defeated in the Senate after passing the House, marking a major victory for economic freedom.

Categories
Budget and Spending Conservatism Culture Domestic Policy Government Spending Government Transparency and Accountability Health Care Legal and Judicial Life New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Health Public Opinion Security Top Issues Updates

Santa Fe New Mexican: Don’t waste the windfall; Use opioid settlement funds where they count

Price Controls Rate Caps Cash Poor Americans

Originally published at santafenewmexican.com on April 26, 2025. America may finally be turning a corner in the opioid crisis. For the first time in years, overdose deaths are declining. The Centers for Disease Control and Prevention recently reported a 17% decrease in opioid-related fatalities between July 2023 and July 2024: a promising sign that prevention and […]

Categories
Conservatism Culture Domestic Policy Government Regulation Government Transparency and Accountability Health Care Legal and Judicial Life New Mexico Political Thought Progressivism Public Health Public Opinion Security Top Issues Updates

Ensuring Accountability and Impact in Opioid Settlement Spending

Opioid Crisis

The $26 billion opioid settlement offers a once-in-a-generation opportunity to combat America’s deadliest drug crisis, if states and localities spend the funds transparently, strategically, and solely on opioid abatement.

Categories
Alaska Arizona California Colorado Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Texas The Constitution Top Issues Updates Utah

Fox Business: Credit card rewards are about to vanish, and guess who’s to blame?

Credit Card Rewards Programs

This isn’t just about miles and points; it’s about economic freedom and financial choice.

Categories
Alaska Arizona California Colorado Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Texas The Constitution Top Issues Updates Utah

American Banker: Death by a thousand caps—State laws could kill credit card rewards

Credit Card Rewards Swipe Fees Interchange Fee Caps Price Controls

A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.

Categories
Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

Colorado House Bill 1282 Interchange Swipe Fee Price Control Credit Card Rewards Programs

Colorado’s interchange swipe fee cap will ultimately harm small businesses, drive up banking costs, and gut credit card rewards.

Categories
Alaska Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Testimony Top Issues Updates

Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39

Alaska Senate Bill 39 Price Controls Interest Rate Caps Loans

Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted to the Senate Labor and Commerce Committee before the bill was advanced to the Senate Finance Committee. This legislation […]