Technology
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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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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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Op-Ed
Instead of Taxing the Rich, Let Americans Invest Like Them
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.
Originally published inNational Review
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White Paper No. 9
Rolling the Dice
Procurement failures and vendor transition risks threaten the New Mexico Lottery.
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Policy Brief
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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Op-Ed
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.
Originally published inRealClearMarkets
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Amicus Brief
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.