Patrick M. Brenner
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Op-Ed
A state-run bank would put taxpayers on the hook for risky loans
A state-run public bank is a dangerous experiment in government overreach that will burden taxpayers, distort credit markets, and fail where private financial institutions succeed.
Originally published inAlbuquerque Journal
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Op-Ed
The Real World Intrudes On Sanders and Hawley’s Rate Cap
A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.
Originally published inRealClearMarkets
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Op-Ed
Trump can delete Elizabeth Warren’s failed experiment once and for all
CFPB is doing more harm than good, and its dissolution is not just a policy preference but an economic necessity.
Originally published inFox News
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Policy Brief
The Price of Credit: How Rate Caps Hurt America’s Cash Poor
“The road to hell is paved with good intentions.”
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Policy Brief
Ready for Action: SPPI Kicks Off the 2025 New Mexico Legislative Session
SPPI kicks off the 2025 New Mexico legislative session, partnering with key lawmakers to advance a bold agenda for freedom, opportunity, and prosperity.
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Policy Brief
An Oil and Gas Permanent Fund Dividend for New Mexico: Returning Prosperity to the People
How can we ensure these revenues benefit all New Mexicans while fostering economic sustainability?
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Policy Brief
House Bill 11: New Mexico’s Paid Family and Medical Leave Act Spells Disaster for Small Businesses
The Paid Family and Medical Leave Act threatens to impose crushing financial burdens on small businesses and restaurants, risking closures, job losses, and economic instability across New Mexico.
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Policy Brief
Banking on Failure: House Bill 130’s Public Bank Will Deepen New Mexico’s Credit Crisis
A public bank is a forced gamble with taxpayer dollars that ignores market realities, mandates risky lending, and risks compounding the damage caused by the artificial credit crisis created by New Mexico’s interest rate cap.