Patrick M. Brenner
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Coalition Letter
SPPI Joins National Coalition Calling for Accountability in the Non-Profit Hospital Sector
“Large nonprofit hospital systems have exploited taxpayer subsidies and regulatory loopholes while failing to deliver the public benefit they promise.”
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Policy Brief
Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme
Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.
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In the News
‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo
Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.
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White Paper
Access Granted
Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.
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Op-Ed
The CFPB Is Making It Harder For You To Pay Your Bills
The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.
Originally published inRealClearMarkets
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Policy Brief
An Overdue Course Correction at the CFPB
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.
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In the News
Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators
National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.