Category: Government Regulation

Out of One, Many

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.

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.”

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

The Southwest Public Policy Institute Proudly Presents: The Economic Dunce Award

Post author By Southwest Public Policy Institute
Post date July 19, 2025
No Comments on The Southwest Public Policy Institute Proudly Presents: The Economic Dunce Award

For exceptional achievement in ignoring market realities and promoting policies that backfire spectacularly.

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
3 Comments on Report: Black Market Payday

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

Budget and Spending Conservatism Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy Economics Government Regulation Government Spending Infrastructure & Technology Life Markets and Finance Nuclear Energy Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Security Technology Top Issues Transparency Updates

SPPI Continues Global Engagement Through Partnership with Global Ties

Post author By Southwest Public Policy Institute
Post date June 23, 2025
No Comments on SPPI Continues Global Engagement Through Partnership with Global Ties

A visiting European delegation through Global Ties discussed how regional think tanks like SPPI influence U.S. foreign policy.

Tags Albuquerque Think Tank, Economic Development Policy, Education Reform, Global Engagement, Global Ties, International Delegation, International Visitor Leadership Program, NATO Challenges, Overton Window, Policy Dialogue, Policy Innovation, Political Discourse, Public Policy Institute, Regional Think Tanks, SPPI Events, Think Tank Exchange, Transatlantic Cooperation, U.S. Foreign Policy, U.S. State Department

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

SPPI Joins Coalition Urging the CFTC to Remove Red Tape on Prediction Markets

Post author By Patrick M. Brenner
Post date June 5, 2025
No Comments on 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.

Tags Business Planning, CEI, CFTC, Commodity Futures Trading Commission, Conservative Policy Groups, Economic Policy, Election Markets, Event Contracts, Financial Markets, Financial Services Regulation, Financial Transparency, Forecasting Tools, Free-Market Advocacy, Permissionless Innovation, Policy Advocacy, Prediction Markets, regulatory reform, Risk Management, Southwest Public Policy Institute

Alaska 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 Technology Top Issues Updates

RealClearMarkets: The CFPB Is Making It Harder For You To Pay Your Bills

Post author By Patrick M. Brenner
Post date May 27, 2025
No Comments on RealClearMarkets: 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.