Domestic Policy
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Policy Brief
Government Can’t Reduce Smoking by Attacking Safer Alternatives
New Mexico legislators are considering higher taxes and new restrictions on nicotine products such as nicotine pouches. These proposals are typically framed as public-health measures. In practice, they risk doing precisely the opposite—nudging smokers back toward…
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Op-Ed
Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
Originally published inRealClearMarkets
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Coalition Letter
SPPI Joins National Coalition Calling on Missouri to Modernize Its Tax System
Coalition backs Governor Kehoe’s effort to modernize Missouri’s tax code.
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Amicus Brief
SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
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Op-Ed
Let’s reimagine financial literacy education
We need to modernize how financial literacy is taught entirely.
Originally published inSanta Fe New Mexican
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In the News
National Media and Policy Leaders Highlight SPPI
National media, policy leaders, and regional voices alike are amplifying SPPI’s research, analysis, and solutions.
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Policy Brief
Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle
Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.
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Policy Brief
The Real Story Behind What’s “Inside” Your 401(k)
Why collective investment trusts deliver lower costs without sacrificing fiduciary protections.
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Op-Ed
Trump’s Tariffs Are Changing How Consumers Use Credit
Tariffs and credit price controls are squeezing American families From both sides.
Originally published inDC Journal
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Policy Brief
The CFPB’s Open Banking Mandate Is About to Break Rent
The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.