Author: Patrick M. Brenner

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2025 Legislative Session Budget and Spending Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Banking on Failure: House Bill 130’s Public Bank Will Deepen New Mexico’s Credit Crisis

A public bank is a forced gamble with taxpayer dollars that ignores market realities, mandates risky lending, and risks compounding the damage caused by the artificial credit crisis created by New Mexico’s interest rate cap.

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Alaska Arizona Budget and Spending California Colorado Conservatism Courts Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty and Inequality Progressivism Public Opinion Texas Top Issues Updates Utah

The CFPB’s Desperate Eleventh-Hour Overreach

Bureau to Protect Financial Consumers from the Consumer Financial Protection Bureau (BPFCCFPB)

Rohit Chopra is lashing out with desperate, partisan overreach in his final days, prioritizing political agendas over consumer protection while creating regulatory chaos and undermining the legitimacy of his tenure and that of the CFPB.

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2025 Legislative Session Domestic Policy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Legal and Judicial New Mexico Renewable Energy Top Issues Updates

Power Grab: Why House Bill 45 is a Bad Deal for New Mexico Energy

A misguided tax increase on renewable energy that contradicts conservative principles, risks distorting the energy market, and ignores the public’s clear preference for affordable, reliable energy solutions.

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2025 Legislative Session Culture Domestic Policy Economic Opportunity Economy Education Freedom and Reform Energy & Environment Energy, Environment, and Natural Resources Government Spending Government Transparency and Accountability Health Care Infrastructure & Technology Legal and Judicial New Mexico Political Thought Poverty & Welfare Security Top Issues Updates

SPPI Prepares for the 2025 New Mexico Legislative Session

New Mexico 2025 Legislative Session

SPPI is poised to actively engage at the state capitol, advocating for pro-freedom policies and opposing detrimental initiatives.

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Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Progressivism Public Opinion Texas Top Issues Updates

Odessan American: Legal innovations strengthen the Southwest’s appeal

Elon Musk Calls to Delete the Consumer Financial Protection Bureau CFPB

Originally published at oaoa.com on December 21, 2024. The American Southwest is cementing its position as the nation’s most business-friendly region, and a groundbreaking legal development in Texas may soon add another compelling reason for companies to relocate here. As corporate entities and individuals continue their mass migration to states like Texas, Arizona, and Nevada – […]

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Budget and Spending Conservatism Culture Domestic Policy Education Education Freedom and Reform Government Spending Life Marriage and Family New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Albuquerque Public Schools: Spending More, Achieving Less

Albuquerque Public Schools (APS)
Adolphe Pierre-Louis, Albuquerque Journal

Albuquerque Public Schools exemplifies how soaring budgets and per-student spending fail to address declining enrollment, dismal academic performance, and systemic inefficiencies.

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Budget and Spending Conservatism Courts Crime and Justice Domestic Policy Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial New Mexico Political Thought Progressivism Public Opinion Technology The Constitution Top Issues Transparency Updates

A Letter to NMFOG

SPPI v City of Albuquerque and Ethan Watson Transparency Accountability

This letter was initially sent by electronic mail on December 18, 2024. December 18, 2024 New Mexico Foundation for Open GovernmentAttn: Executive Director and Board of Directors2333 Wisconsin St NEAlbuquerque, NM 87110 Dear Executive Director and Members of the Board: I write to you today as President of the Southwest Public Policy Institute (SPPI) to […]

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Courts Crime and Justice Culture Domestic Policy Economic Opportunity Homeland Security Immigration Legal and Judicial Life Marriage and Family New Mexico Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Security The Constitution Top Issues Updates Welfare

Assessing the Economic Impact of Undocumented Immigrants on New Mexico Taxpayers

Undocumented Illegal Immigrants Immigration New Mexico Taxpayers Economic

Undocumented immigrants in New Mexico contribute significantly to the economy through taxes and labor, but their net fiscal impact remains a burden due to the substantial costs of public services like education, healthcare, and law enforcement.

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Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty and Inequality Public Opinion Technology Top Issues Updates

American Banker: President-elect Trump should declare a ceasefire in the war on credit

Under the Biden administration, a trio of regulatory agencies have teamed up to limit consumers' access to credit, says Southwest Public Policy Institute's Patrick M. Brenner. Ting Shen/Bloomberg
Under the Biden administration, a trio of regulatory agencies have teamed up to limit consumers' access to credit, says Southwest Public Policy Institute's Patrick M. Brenner. Ting Shen/Bloomberg

Originally published at americanbanker.com on December 5, 2024. Thought exercise: What would your life look like without access to credit? No credit cards, no buying a house or vehicle without cash on hand and no access to something as simple as overdraft protection tied to a debit card. For most people, that would be somewhere between […]

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Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Nevada Poverty and Inequality Technology Top Issues Updates

Betting on the Future: SPPI Tackling Lending Challenges at Vegas Conference

Panel discussion on 'The Intersection of Policy and Data' at the 2023 Tribal Lending Conference. From left to right: Joe Lilly, Vice President of External Affairs at Caliber Financial Services; Patrick M. Brenner, President of the Southwest Public Policy Institute; and Dr. Tom Miller, Professor of Finance at Mississippi State University.
Panel discussion on 'The Intersection of Policy and Data' at the 2023 Tribal Lending Conference. From left to right: Joe Lilly, Vice President of External Affairs at Caliber Financial Services; Patrick M. Brenner, President of the Southwest Public Policy Institute; and Dr. Tom Miller, Professor of Finance at Mississippi State University.

SPPI heads to Las Vegas for the Online Lenders Alliance’s annual Tribal Lending Conference to connect with industry leaders and tackle the future of financial services.