Category: Transparency

Report: Fifty-Five Percent

Post author By Southwest Public Policy Institute
Post date August 15, 2026
No Comments on Report: Fifty-Five Percent

Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.

Economic Opportunity Government Regulation Markets and Finance Poverty and Inequality Technology The Constitution Transparency

SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File

Post author By Southwest Public Policy Institute
Post date August 15, 2026
No Comments on 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.

Budget and Spending Government Regulation Markets and Finance Transparency

Regulation Without Disclosure

Post author By Patrick M. Brenner
Post date July 29, 2026
No Comments on Regulation Without Disclosure

What the GAO’s review of the NAIC means for insurance consumers.

California Courts Government Regulation Markets and Finance Technology Transparency

DC Journal: California’s Crackdown on Consumer Credit Just Hit a Wall

Post author By Patrick M. Brenner
Post date June 30, 2026
No Comments on DC Journal: 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.

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

The Washington Times: Mortgage Bankers Association’s tri-merge credit reporting reform pushes risky overhaul

Post author By Patrick M. Brenner
Post date April 21, 2026
No Comments on The Washington Times: 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.

Tags Consumer Credit Data Integrity, Credit Score Accuracy, Housing Affordability Crisis, Housing Market Policy, Mortgage Bankers Association (MBA), Mortgage Credit Reporting, Mortgage Underwriting Risk, Single-File Credit Reporting, Tri-Merge Credit Reports, U.S. Housing Market Trends

Budget and Spending Conservatism Courts Culture Cybersecurity Domestic Policy Economy Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Life Markets and Finance New Mexico Political Thought Progressivism Public Opinion Reports Security Technology Top Issues Transparency Updates

Report: Rolling the Dice

Post author By Southwest Public Policy Institute
Post date March 23, 2026
No Comments on Report: Rolling the Dice

Procurement failures and vendor transition risks threaten the New Mexico Lottery.

Tags Bid Scoring Methodology, Central Gaming System, Contract Duration Limits, Contract Extension Risk, Cost Versus Technical Evaluation, Critical Infrastructure Procurement, Emergency Contract Extensions, Evaluation Committee Process, Government Accountability, Government Contracting, Government Efficiency, Government Oversight, Government Procurement, Higher Education Funding, Implementation Risk, Infrastructure Governance, Infrastructure Transition Failures, Internal Audit Review, International Game Technology (IGT), Intralot, Legislative Lottery Scholarship Program, Lottery Gaming Systems, Lottery Infrastructure, Lottery Procurement, Lottery Retailers, Lottery Revenue Risk, Lottery Technology Providers, Lottery Vendor Contracts, New Mexico Lottery Act, New Mexico Lottery Authority (NMLA), New Mexico Procurement Code, NMSA 1978 Section 6-24-9, Operational Continuity, Policy Analysis, Pollard Banknote, Procurement Accountability, Procurement Compliance, Procurement Governance, Procurement Transparency, Public Finance Risk, Public Policy Research, Public Procurement Failures, Public Sector Risk Management, Public-Private Partnerships, Regulatory Compliance, Retail Network Operations, Risk Of Service Disruption, Scholarship Funding Risk, Scientific Games, Sole-Source Contracts, Southwest Public Policy Institute (SPPI), State Lottery Operations, State Revenue Systems, State Statutes Compliance, System Conversion Risk, System Deployment Delays, Technology Procurement Failures, Think Tank Research, Transition Planning, Vendor Transition Risk

Coal, Oil, Natural Gas Conservatism Culture Domestic Policy Economy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Nuclear Energy Political Thought Progressivism Public Opinion Renewable Energy Taxes Top Issues Trade Transparency Updates

The Carbon Standardization Project

Post author By Patrick M. Brenner
Post date March 19, 2026
No Comments on The Carbon Standardization Project

International bureaucracies are undermining America’s energy policies.

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

Washington Post: Mortgage rates just fell below a crucial psychological threshold

Post author By Patrick M. Brenner
Post date March 14, 2026
No Comments on Washington Post: 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.

Tags 30-Year Fixed Mortgage, American Housing Market, Annual Percentage Rate, APR, Asset Ownership, Auto Loans, Banking Regulation, Buy Now Pay Later, Charm Pricing, Consumer Credit, Consumer Finance, Consumer Psychology, Cost Of Borrowing, Credit Cards, Credit Markets, Credit Transparency, Debt Culture, Depository Institutions Deregulation And Monetary Control Act, Economic Behavior, Economic Perception, Financial Deregulation, Financial Disclosure, Financial Literacy, Financial Markets, financial regulation, Home Buying, Household Debt, Housing Affordability, Housing Demand, Housing Economics, Housing Finance, Housing Market, Housing Policy, Interest Rate Exportation, Interest Rate Perception, Interest Rate Psychology, Lending Regulation, Lending Standards, Lending Transparency, Loan Pricing, Marquette National Bank v. First Of Omaha Service Corp, Monthly Payments, Mortgage Advertising, Mortgage Economics, Mortgage Industry, Mortgage Interest Rates, Mortgage Marketing, Mortgage Policy, Mortgage Rate Threshold, Mortgage Rates, Mortgage Refinance, Mortgage Sentiment, Patrick M Brenner, Payday Loans, Personal Finance, Psychological Pricing, Real Estate Finance, Southwest Public Policy Institute, Subscription Economy, Total Loan Repayment, Truth In Lending Act, U.S. Household Debt, Washington Post Opinion

Budget and Spending Conservatism Courts Crime and Justice Domestic Policy Education Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial New Mexico Political Thought Progressivism Public Opinion Top Issues Transparency Updates

SPPI Files Public Records Request Regarding New Mexico Lottery Contract Procurement

Post author By Southwest Public Policy Institute
Post date February 27, 2026
No Comments on SPPI Files Public Records Request Regarding New Mexico Lottery Contract Procurement

SPPI seeks transparency and legal clarity regarding the New Mexico Lottery Authority’s procurement process and transition planning for the state gaming system contract.