Life
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Policy Brief
Vought Charts New Path for the CFPB
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.
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Policy Brief
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.
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Policy Brief
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.…
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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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Press Release
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.
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.