In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused Case Against 30-Year Mortgages,” he argues that such loans are fully prepayable, giving homeowners flexibility to refinance or pay […]
When you publish in The Wall Street Journal, you have to expect a few readers to come out swinging. Some disagree on principle; others on tone. And then there are those who lecture you like you just flunked Econ 101. Read the full series here. Meet Jay Wright, Adjunct Professor of Finance at Georgetown University. […]
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 What started as a critique of an outdated lending standard has evolved into a larger conversation about financial literacy, honesty in measurement, and the way we misunderstand the true cost of money.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 […]
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.
As CFPB retreats, the new danger is a jumble of state-level mandates.
New partnership program invites leaders to advance liberty, transparency, and prosperity across the nation.
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
The Southwest Public Policy Institute (SPPI) is proud to announce the unanimous appointment of Zachary Fort to its Board of Directors during the Institute’s quarterly board meeting held Monday, August 11th. Fort’s appointment comes as SPPI recognizes the dedicated service of three outgoing board members—Megan DeLaRosa, Becky Ingoglia, and Patrick O’Brien—whose terms have reached their […]
