Category: Life

Vought Charts New Path for the CFPB

Post author By Lucas J. Parker
Post date October 4, 2025
1 Comment on Vought Charts New Path for the CFPB

The Consumer Financial Protection Bureau headquarters in Washington, D.C. — once the central regulator of financial services, now overshadowed by a growing patchwork of state attorneys general enforcement.

Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.

Tags Apple, Banking Regulation, Bureaucratic Reform, CFPB, Consent Orders, Consumer Financial Protection Bureau, Consumer Protection, Economic Policy, Financial Innovation, financial regulation, Fiscal Responsibility, Government Oversight, Regulatory Overreach, Rohit Chopra, Russell Vought, Trump Administration, US Bank, Washington Federal

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Homeland Security Infrastructure & Technology Life Markets and Finance Political Thought Progressivism Public Opinion Security Top Issues Trade Transportation Updates

Trump’s Japanese Tariff Agreement: A Winning Deal for Consumers?

Post author By Lucas J. Parker
Post date September 27, 2025
No Comments on Trump’s Japanese Tariff Agreement: A Winning Deal for Consumers?

A 15% tariff may look like a trade victory, but American families could end up paying the price.

Tags American Families, Auto Industry, Cost Of Living, Economic Policy, Electronics Prices, Fair Trade, Global Trade, Inflation, Japanese Imports, Medical Supplies, Smoot Hawley Tariff Act, Tariff Impact, Trade Policy, Trump Tariff Agreement, U.S. Consumers

Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Technology Top Issues Updates

Lip Service Masquerading as Credit Inclusivity

Post author By Southwest Public Policy Institute
Post date September 17, 2025
No Comments on Lip Service Masquerading as Credit Inclusivity

When Wells Fargo first rolled out its Flex Loan program, it was heralded by advocates like The Pew Charitable Trusts as evidence that America’s largest banks were finally offering an “affordable” alternative to short-term credit products. Bankrate’s own review of the Flex Loan paints a favorable picture, touting fast approval, lower fees than payday loans, […]

Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Top Issues Updates

Expanding 401(k) Access to Private Markets

Post author By Patrick M. Brenner
Post date August 24, 2025
No Comments on Expanding 401(k) Access to Private Markets

Why America’s workers deserve the same investment opportunities as public pensions.

Tags 401(k) Retirement Plans, Accredited Investors, Alternative Assets, Asset Allocation Funds, Capital Formation, Closed-End Funds, Committee on Capital Markets Regulation (CCMR), Council of Economic Advisers (CEA), Defined Benefit Plans, Defined Contribution Plans, Department of Labor (DOL), ERISA Safe Harbor, Executive Order 2025, Fiduciary Duty, Illiquidity Premium, Infrastructure Investment, Investment Diversification, Keith Sonderling, Litigation Risk, Macroeconomic Growth, Private Credit, Private Equity, Public Pension Funds, Public vs Private Markets, Qualified Purchasers, Real Estate Investments, Retirement Income Growth, Retirement Security, Securities and Exchange Commission (SEC), Trial Attorneys, U.S. Economy, Venture Capital

Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion State Top Issues Updates

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.

Tags Alternative Finance, Banking Compliance, Business Compliance Strategy, CFPB, Compliance Burden, Consumer Financial Protection, Consumer Protection, Consumer Rights, credit access, Credit Reporting Laws, Deregulation, economic liberty, FAIR Business Practices Act, Federal Deregulation, financial inclusion, Financial Regulatory Landscape, Financial Risk Management, Financial Services Regulation, Financial Transparency, Fintech Regulation, Free Market Policy, Junk Fee Laws, Legal Risk For Banks, Lending Restrictions, Market Innovation, Medical Debt Reporting, Merchant Cash Advance Regulation, Multi State Regulation, New York Attorney General, Payments Fraud, Peer To Peer Payments, Policy Analysis, Price Controls, Regulatory Compliance Challenges, Regulatory Patchwork, Small Business Finance, Southwest Public Policy Institute, State Attorneys General, State Consumer Laws, State Level Enforcement, State Versus Federal Regulation, Zelle Lawsuit

Conservatism Culture Domestic Policy Government Regulation Government Transparency and Accountability Health Care Health Care Reform Legal and Judicial Life Political Thought Progressivism Public Health Public Opinion Top Issues Updates

SPPI Joins National Coalition Calling for Accountability in the Non-Profit Hospital Sector

Post author By Southwest Public Policy Institute
Post date July 26, 2025
No Comments on 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.”

Conservatism Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme

Post author By Southwest Public Policy Institute
Post date July 18, 2025
No Comments on 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.

Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Health Care Legal and Judicial Life Markets and Finance Medicaid Medicare New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Post author By Patrick M. Brenner
Post date July 5, 2025
No Comments on ‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Former representative Tara Jaramillo, CEO of Positive Outcomes, Inc. and alleged loan shark.

Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.

Alaska Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Updates

Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill

Post author By Southwest Public Policy Institute
Post date June 27, 2025
No Comments on Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill

The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.

Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Reports Top Issues Updates

Report: Black Market Payday

Post author By Southwest Public Policy Institute
Post date June 24, 2025
2 Comments on Report: Black Market Payday

How government price controls created an illicit supply of emergency credit.