Patrick M. Brenner
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Policy Brief
The CFPB Attacks SoLo Funds
The Consumer Financial Protection Bureau (CFPB) has attacked SoLo Funds, the nation’s largest consumer-facing Black-led and owned fintech.
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Op-Ed
The Supreme Court has emboldened the CFPB, threatening American consumers
The Supreme Court’s recent ruling will only embolden CFPB Director Rohit Chopra, who has increasingly instituted overly broad regulatory actions.
Originally published inThe Hill
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Testimony & Comments
A Call for Prudent Consumer Credit Legislation in Alaska
Representing the Southwest Public Policy Institute, I recently had the opportunity to testify before the Alaska House Finance Committee and the Alaska Senate Community and Regional Affairs Committee regarding proposed legislation on consumer credit. The bills…
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Policy Brief
Is the CFPB Paving the Way for Single-Payer Healthcare Through Medical Debt Reform?
The CFPB’s recent modifications to medical debt reporting may be subtly steering the U.S. toward a single-payer healthcare system by minimizing the visibility of medical debt.
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Policy Brief
New Mexico’s Upcoming Special Session: Safety or Statism?
Governor Michelle Lujan Grisham’s recent announcement of yet another special legislative session in New Mexico, set to commence on July 18, 2024, ostensibly aims to enhance public safety—an objective no reasonable person would oppose. However, the…
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Policy Brief
Transparency and Trust in New Mexico’s Election Technology
New Mexico recently unveiled the Online Candidate Nominating Petition Signature Portal, a digital platform designed to simplify the nomination process for candidates. This initiative, part of a broader movement to enhance electoral accessibility and security, represents…