Category: Legal and Judicial

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American Banker: Out of One, Many

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

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Alaska Conservatism Domestic Policy Economic Opportunity Economy Government Regulation Illinois Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

How payday loan restrictions can hurt the people they’re meant to help

Good intentions don’t pay the bills. But choice, transparency, and access can.

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Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Top Issues Updates

Expanding 401(k) Access to Private Markets

Expanding 401(k) Access to Private Markets

Why America’s workers deserve the same investment opportunities as public pensions.

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Culture Domestic Policy Economic Opportunity Economy Education Freedom and Reform Energy & Environment Energy, Environment, and Natural Resources Government Spending Government Transparency and Accountability Health Care Infrastructure & Technology Legal and Judicial Political Thought Poverty & Welfare Press Security Top Issues Updates

SPPI Launches Champions Program

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

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Out of One, Many

From One, Many: The Consumer Financial Protection Bureau office in Washington, D.C., symbolizing the shift from a single federal regulator to dozens of state attorneys general acting as mini-CFPBs.
The Consumer Financial Protection Bureau headquarters in Washington, D.C. — once the central regulator of financial services, now overshadowed by a growing patchwork of state attorneys general enforcement.

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

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Budget and Spending Conservatism Domestic Policy Economy Firearms Government Spending Legal and Judicial Markets and Finance New Mexico Political Thought Press Progressivism Public Opinion Top Issues Updates

SPPI Welcomes Zachary Fort to Board of Directors

Introducing Zachary Fort

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 […]

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SPPI Joins National Coalition Calling for Accountability in the Non-Profit Hospital Sector

Nonprofit Hospital Accountability Coalition Letter

“Large nonprofit hospital systems have exploited taxpayer subsidies and regulatory loopholes while failing to deliver the public benefit they promise.”

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Conservatism Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme

Fred Nathan Black Market Payday Tara Jaramillo

Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.

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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Health Care Legal and Judicial Life Markets and Finance Medicaid Medicare New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Tara Jaramillo Positive Outcomes Black Market Payday
Former representative Tara Jaramillo, CEO of Positive Outcomes, Inc. and alleged loan shark.

Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.

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Alaska Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Updates

Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill

Alaska Price Control Rate Cap Bill Veto

The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.