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

Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

Colorado’s interchange swipe fee cap will ultimately harm small businesses, drive up banking costs, and gut credit card rewards.

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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 Technology Testimony Top Issues Updates

Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39

Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted to the Senate Labor and Commerce Committee before the bill was advanced to the Senate Finance Committee. This legislation […]

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Alaska Budget and Spending Coal, Oil, Natural Gas Conservatism Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Government Regulation Government Spending Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Taxes Top Issues Updates Welfare

National Review: Share, Baby, Share; How a Permanent Oil and Gas Fund Dividend Could Empower New Mexicans

And benefit the nation, too.

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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 Top Issues Updates

Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme

New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.

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

Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap

Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.

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

RealClearMarkets: 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.

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Elon Musk Declares CFPB’s Demise, Validating SPPI’s Efforts

Musk’s declaration marks a defining victory for the Southwest Public Policy Institute, affirming our relentless efforts to expose and dismantle the CFPB.

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Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Legal and Judicial Life Markets and Finance Political Thought Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Updates

Fox News: 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.

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

SPPI Applauds the Departure of CFPB Director Rohit Chopra

Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.

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Arizona California Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada Political Thought Poverty and Inequality Progressivism Public Opinion Top Issues Updates

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.