Patrick M. Brenner
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Policy Brief
The Death Knell for Elizabeth Warren’s CFPB
Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime
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Op-Ed
New Mexico knows Trump’s BLM nominee. Back away.
Former New Mexico Republican chairman Steve Pearce is the opposite of what the complex agency needs.
Originally published inThe Washington Post
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Op-Ed
Trump’s 50-year mortgage just introduces a new kind of debt
50-year loan terms would triple total debt while government regulations continue driving up building costs
Originally published inFox News
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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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Op-Ed
Stablecoin Rewards Are the Shortcut to Financial Trouble
Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?
Originally published inRealClearMarkets
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Policy Brief
The Mortgage Bankers Association’s Reply Is the Real Joke
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
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Policy Brief
Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking
Congress must update the Bank Secrecy Act for the 21st century…
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Op-Ed
The first of its kind? A tribally owned professional sports team
Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades.…
Originally published inAlbuquerque Journal
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Policy Brief
Compounding Interest: The Case Against the Confused Case Against the Case Against 30-Year Mortgages
In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused…
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Policy Brief
Compounding Interest: Reader Replies, Part IV
When you publish in The Wall Street Journal, you have to expect a few readers to come out swinging. Some disagree on principle; others on tone. And then there are those who lecture you like you…