Markets and Finance
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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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White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
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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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Policy Brief
FDA’s Peptide Review Should Include a Hard Look at the Supply Chain
Why regulators must look beyond patient access and weigh the risks of foreign supply chain dependencies.
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In the News
SPPI in the Spotlight: Exposing Opioid Settlement Secrecy, Regulatory Overreach, and Real Estate Trap Doors
How SPPI is driving transparency, market competition, and accountability in public policy.
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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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Amicus Brief
SPPI Files Amicus Brief Defending Federal Reserve’s Debit Card Fee Protections
For Immediate ReleaseJune 18, 2026 [email protected] Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in…