Patrick M. Brenner
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Policy Brief
The Wells Fargo Flex Loan is Anything But Flexible
Wells Fargo’s Flex Loan program is a labyrinth of unclear eligibility requirements and a baffling case of vanishing funds.
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Op-Ed
Colorado’s Intrastate Minimum-Wage Compacts Will Hurt the State
Experience shows that businesses pass on increased costs to consumers, hurting the very people wage hikes are supposed to help.
Originally published inNational Review
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Op-Ed
Who’s protecting consumers from the Consumer Financial Protection Bureau?
If CFPB found a financial institution had suffered a data breach of a similar magnitude, the fines and fees would be astronomical.
Originally published inFox News
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Op-Ed
A public bank could crowd out community-based financial institutions
The 2022 passage of House Bill 132, which set a stringent cap of 36% on interest rates for consumer loans, is having its intended and significant repercussions on New Mexico’s financial landscape. This was no accident:…
Originally published inAlbuquerque Journal
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Op-Ed
Excessive regulation is fueling a health care crisis in Utah
Recent research has shown that health care consolidations not only lower costs for health care consumers but also improve multiple indicators of quality patient care.
Originally published inDeseret News
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Op-Ed
The high cost of prescription drug price controls
Components of the Inflation Reduction Act have the very real potential of inflating drug prices with arbitrary price controls. Consumers will pay the price.
Originally published inThe Washington Times
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Policy Brief
Survey Among Parents of Las Cruces Public School Students
The Southwest Public Policy Institute is pleased to announce the completion of a recent survey focusing on the appropriateness of book content in school libraries. This survey was conducted from November 14th to 16th and engaged…
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Op-Ed
The myth of big-bank small-dollar loans
In response to Fred Nathan’s (July 30) op-ed praising New Mexico’s efforts to end predatory lending, I must assert that the celebratory tone is premature and misguided. Two significant studies conducted by the Southwest Public Policy…
Originally published inAlbuquerque Journal
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Policy Brief
Championing Freedom: Joining the Freedom Conservatism Movement
At the Southwest Public Policy Institute (SPPI), our mission has always been clear: to be the vanguard of free-market ideals and hold government structures accountable for the betterment of the American Southwest. As we move forward…
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Op-Ed
A Highwater Mark for Crypto Regulatory Clarity
The recent legal victory of Ripple Labs Inc. in the case brought by the U.S. Securities and Exchange Commission (SEC) over the sale of its XRP token marks a significant milestone for the cryptocurrency industry. This…
Originally published inNewsmax