Southwest Public Policy Institute
The responses to my article for The Wall Street Journal “The Case Against 30-Year Mortgages” keep coming… They’re thoughtful, challenging, and occasionally humbling. What started as a critique of an outdated lending standard has evolved into a larger conversation about financial literacy, honesty in measurement, and the way we misunderstand the true cost of money. […]
When The Wall Street Journal published my op-ed, “The Case Against 30-Year Mortgages,” I expected disagreement. What I didn’t expect was the flood of thoughtful, funny, and occasionally fiery responses from readers across the country. Read the full series here. Some wrote to debate, others to commiserate, and a few to wonder aloud whether the […]
After my recent op-ed in The Wall Street Journal, “The Case Against 30-Year Mortgages,” readers had plenty to say. Some were critical, most were kind, and many brilliantly insightful. Below is a selection of responses, shared anonymously for privacy, that reveal how deeply Americans feel about the strange alchemy of homeownership, debt, and the illusion […]
As CFPB retreats, the new danger is a jumble of state-level mandates.
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.
Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
A visiting European delegation through Global Ties discussed how regional think tanks like SPPI influence U.S. foreign policy.
Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.
The coalition urges the CFTC to cut red tape on prediction markets and embrace permissionless innovation.
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.