• Policy Brief

    Compounding Interest: Reader Replies, Part IV

    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…

  • Policy Brief

    Compounding Interest: Reader Replies, Part III

    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 What started as a critique of an outdated lending standard has evolved into…

  • Policy Brief

    Compounding Interest: Reader Replies, Part II

    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…

  • Policy Brief

    Compounding Interest: Reader Replies, Part I

    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…

  • Policy Brief

    Vought Charts New Path for the CFPB

    Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.

  • Op-Ed

    Out of One, Many

    As CFPB retreats, the new danger is a jumble of state-level mandates.

    Originally published inAmerican Banker

  • Press Release

    SPPI Launches Champions Program

    New partnership program invites leaders to advance liberty, transparency, and prosperity across the nation.

  • Policy Brief

    Out of One, Many

    Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.