Patrick M. Brenner
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Policy Brief
Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme
New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Policy Brief
Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap
Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Op-Ed
The Real World Intrudes On Sanders and Hawley’s Rate Cap
A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.
Originally published inRealClearMarkets
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Op-Ed
Trump can delete Elizabeth Warren’s failed experiment once and for all
CFPB is doing more harm than good, and its dissolution is not just a policy preference but an economic necessity.
Originally published inFox News
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Policy Brief
The Price of Credit: How Rate Caps Hurt America’s Cash Poor
“The road to hell is paved with good intentions.”
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Op-Ed
A Boon for Foreign Call Centers, a Blow to US Jobs
With the inauguration of Donald Trump and the leadership shakeup at the Federal Communications Commission (FCC), the regulatory landscape is shifting. Brendan Carr has replaced Jessica Rosenworcel as FCC chair, and a new Republican majority now controls the Commission.…
Originally published inNewsmax
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Policy Brief
Ready for Action: SPPI Kicks Off the 2025 New Mexico Legislative Session
SPPI kicks off the 2025 New Mexico legislative session, partnering with key lawmakers to advance a bold agenda for freedom, opportunity, and prosperity.
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Policy Brief
An Oil and Gas Permanent Fund Dividend for New Mexico: Returning Prosperity to the People
How can we ensure these revenues benefit all New Mexicans while fostering economic sustainability?