Patrick M. Brenner
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Policy Brief
Expanding 401(k) Access to Private Markets
Why America’s workers deserve the same investment opportunities as public pensions.
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Policy Brief
Out of One, Many
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
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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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Coalition Letter
SPPI Joins Coalition Urging the CFTC to Remove Red Tape on Prediction Markets
The coalition urges the CFTC to cut red tape on prediction markets and embrace permissionless innovation.
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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The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.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.