Patrick M. Brenner
-
Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
-
Op-Ed
Indebted Americans need help, not restrictions on settlement services
According to research from The Federal Reserve Bank of New York, roughly 60% of the 175 million American adults holding credit cards carry a balance.
Originally published inAmerican Banker
-
Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
-
White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
-
Policy Brief
Regulation Without Disclosure
What the GAO’s review of the NAIC means for insurance consumers.
-
Op-Ed
There’s No Such Thing as Free Data
The government should allow banks and software companies to negotiate the price of financial data freely.
Originally published inNational Review
-
Policy Brief
FDA’s Peptide Review Should Include a Hard Look at the Supply Chain
Why regulators must look beyond patient access and weigh the risks of foreign supply chain dependencies.