The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
Author: Patrick M. Brenner
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 in question, House Bill 145 and its Senate counterpart, Senate Bill 264, aim to implement rate caps similar to […]
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.
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 words of Gideon J. Tucker resonate profoundly in moments like these: “No man’s life, liberty, or property are safe […]
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 a significant leap forward. However, as with any venture into new technological territories, there are bound to be growing […]
In 2023, New Mexico took a pioneering step forward in electoral processes. The recent adoption of the Online Candidate Nominating Petition Signature Portal by the Secretary of State, Maggie Toulouse Oliver, marks a significant milestone in modernizing and securing elections within the state. This innovative approach streamlines the candidate nomination process and broadens the horizon […]
Originally published at americanbanker.com on March 15, 2024. In a bold move that may reshape the U.S. consumer finance landscape, Rohit Chopra’s Consumer Financial Protection Bureau has issued Consumer Financial Protection Circular 2024-01, marking a significant overreach into how Americans access financial services. This circular scrutinizes digital intermediaries, such as comparison-shopping tools and lead generators, dictating […]
In the realm of governance, transparency and openness are not mere buzzwords but foundational pillars that uphold the edifice of democracy. In their compelling discourse, Greg Brooks and Patrick Tuohey from Better Cities Project argue that open government is inherently a cultural phenomenon rather than a transactional obligation. This perspective resonates deeply with the ethos […]
Co-authored by Judy Pino and Patrick M. Brenner. Originally published at abqjournal.com on February 18, 2024. Radical gender ideology is running rampant through New Mexico’s public schools. State-funded after-school clubs that encourage children to explore LGBTQ+ identities without their parents’ knowledge are appearing in school districts more frequently. Children are being harmed by the dogged pursuit […]
Rethinking American Retirement and Social Security