Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
Category: Technology
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.
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published at thehill.com on May 27, 2026. Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That is what happened to Spirit. Now, just as travelers are watching […]
Why state-level price controls threaten $35 billion in credit card rewards and household budgeting.
America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.
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Report: Rolling the Dice
Procurement failures and vendor transition risks threaten the New Mexico Lottery.
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Weakening Tri-Merge Would Make Housing Less Affordable
Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.
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Real Clear Markets: Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
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SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.