Patrick M. Brenner
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Op-Ed
Zillow traps buyers into overpriced mortgages, and it’s costing Americans $65 billion annually
Americans who bought homes since 2022 now collectively pay an estimated $65 billion annually in avoidable mortgage costs. That figure, published in new Bankrate research based on 3.2 million mortgage originations tracked in federal housing data…
Originally published inWashington Examiner
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Coalition Letter
SPPI Joins Coalition Urging the SEC to Adopt Optional Semiannual Reporting
A coalition letter urges SEC Chairman Paul S. Atkins to adopt the agency’s proposed rule giving public companies the option to report semiannually instead of quarterly.
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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
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Coalition Letter
SPPI Joins Coalition Urging Senate Judiciary Committee to Reject the American Innovation and Choice Online Act
The letter asks Senate Judiciary Committee Chairman Chuck Grassley and Ranking Member Dick Durbin to reject the American Innovation and Choice Online Act.
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Op-Ed
‘For Heaven’s sake, stop it’ DIDMCA opt outs harm interstate commerce
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Originally published inAmerican Banker
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Op-Ed
My Retirement Accounts Fail In the World I Actually Live In
The rich already invest this way. Workers should be allowed to as well.
Originally published inRealClearMarkets
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Op-Ed
Instead of Taxing the Rich, Let Americans Invest Like Them
America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.
Originally published inNational Review