Category: Economy

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2025 Legislative Session Budget and Spending Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Banking on Failure: House Bill 130’s Public Bank Will Deepen New Mexico’s Credit Crisis

A public bank is a forced gamble with taxpayer dollars that ignores market realities, mandates risky lending, and risks compounding the damage caused by the artificial credit crisis created by New Mexico’s interest rate cap.

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The CFPB’s Desperate Eleventh-Hour Overreach

Rohit Chopra is lashing out with desperate, partisan overreach in his final days, prioritizing political agendas over consumer protection while creating regulatory chaos and undermining the legitimacy of his tenure and that of the CFPB.

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SPPI Prepares for the 2025 New Mexico Legislative Session

SPPI is poised to actively engage at the state capitol, advocating for pro-freedom policies and opposing detrimental initiatives.

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Odessan American: Legal innovations strengthen the Southwest’s appeal

Originally published at oaoa.com on December 21, 2024. The American Southwest is cementing its position as the nation’s most business-friendly region, and a groundbreaking legal development in Texas may soon add another compelling reason for companies to relocate here. As corporate entities and individuals continue their mass migration to states like Texas, Arizona, and Nevada – […]

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American Banker: President-elect Trump should declare a ceasefire in the war on credit

Under the Biden administration, a trio of regulatory agencies have teamed up to limit consumers' access to credit, says Southwest Public Policy Institute's Patrick M. Brenner. Ting Shen/Bloomberg

Originally published at americanbanker.com on December 5, 2024. Thought exercise: What would your life look like without access to credit? No credit cards, no buying a house or vehicle without cash on hand and no access to something as simple as overdraft protection tied to a debit card. For most people, that would be somewhere between […]

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Betting on the Future: SPPI Tackling Lending Challenges at Vegas Conference

Panel discussion on 'The Intersection of Policy and Data' at the 2023 Tribal Lending Conference. From left to right: Joe Lilly, Vice President of External Affairs at Caliber Financial Services; Patrick M. Brenner, President of the Southwest Public Policy Institute; and Dr. Tom Miller, Professor of Finance at Mississippi State University.

SPPI heads to Las Vegas for the Online Lenders Alliance’s annual Tribal Lending Conference to connect with industry leaders and tackle the future of financial services.

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Is Elon Musk Serious with his “Delete CFPB” Tweet?

In a late-night post on his social media platform X, billionaire entrepreneur and incoming Department of Government Efficiency head Elon Musk made a bold declaration: “Delete CFPB. There are too many duplicative regulatory agencies.” Musk’s succinct yet striking comment has ignited a vital debate about the role and efficacy of the Consumer Financial Protection Bureau […]

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FDIC’s Unbanked and Underbanked Households

The US Bank Simple Loan is anything but simple.

SPPI’s reports, OLA’s studies, and the FDIC’s findings highlight the urgent need to protect credit access for unbanked and underbanked households.

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Newsmax: SCOTUS Decision Offers Americans Unrealized Gains

Originally published at newmax.com on November 4, 2024. The U.S. Senate investigation into Boeing’s safety practices and the FAA’s ineffective oversight revealed that Boeing, under pressure to prioritize production speed over safety, suffered quality control issues that endangered consumers. Despite these risks, the FAA’s overreliance on industry insiders failed to address Boeing’s deficiencies. The problem is not regulation; the […]

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Alaska Arizona California Colorado Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Markets and Finance Nevada New Mexico Oklahoma Political Thought Progressivism Public Opinion Technology Texas The Constitution Top Issues Updates Utah

Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark

The FTC’s new “Click-to-Cancel” rule simplifies subscription cancellations but risks stifling innovation and imposing costly burdens on businesses and consumers alike.

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