Patrick M. Brenner
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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…
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Policy Brief
Compounding Interest: Reader Replies, Part III
The responses to my article for The Wall Street Journal “The Case Against 30-Year Mortgages” keep coming… They’re thoughtful, challenging, and occasionally humbling. What started as a critique of an outdated lending standard has evolved into…
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Policy Brief
Compounding Interest: Reader Replies, Part II
When The Wall Street Journal published my op-ed, “The Case Against 30-Year Mortgages,” I expected disagreement. What I didn’t expect was the flood of thoughtful, funny, and occasionally fiery responses from readers across the country. Read…
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Policy Brief
Compounding Interest: Reader Replies, Part I
After my recent op-ed in The Wall Street Journal, “The Case Against 30-Year Mortgages,” readers had plenty to say. Some were critical, most were kind, and many brilliantly insightful. Below is a selection of responses, shared…
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Op-Ed
The Case Against 30-Year Mortgages
Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.
Originally published inThe Wall Street Journal
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Op-Ed
Sen. Richard Durbin’s Long-Term Love Affair With Price Controls
Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows…
Originally published inRealClearMarkets
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Op-Ed
Why senators’ efforts to kill overdraft fees is overkill
Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.
Originally published inThe Hill
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Op-Ed
Out of One, Many
As CFPB retreats, the new danger is a jumble of state-level mandates.
Originally published inAmerican Banker
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Op-Ed
How payday loan restrictions can hurt the people they’re meant to help
Good intentions don’t pay the bills. But choice, transparency, and access can.
Originally published inAnchorage Daily News