Transparency
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White Paper No. 14
The Moral Hierarchy of Debt
Why America’s Most Trusted Loan Is Its Most Expensive, and Who Decided Otherwise
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Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
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Policy Brief
Regulation Without Disclosure
What the GAO’s review of the NAIC means for insurance consumers.
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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
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Op-Ed
Mortgage Bankers Association’s tri-merge credit reporting reform pushes risky overhaul
Proposal strips critical safeguards and shifts long-term costs on to American borrowers.
Originally published inThe Washington Times
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White Paper No. 9
Rolling the Dice
Procurement failures and vendor transition risks threaten the New Mexico Lottery.
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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post