Category: Legal and Judicial

SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case

Post author By Southwest Public Policy Institute
Post date December 30, 2025
No Comments on 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.

Tags Amicus Brief, Banking Policy, Brownstein Hyatt Farber Schreck, Card Payment Security, Checkout Transactions, Constitutional Law, Consumer Protection Policy, Corner Post Lawsuit, Court Of Appeals, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Policy, Electronic Payments, Federal Reserve Board, Fifth Amendment Takings, Financial Access, financial inclusion, financial regulation, Fraud Prevention, Household Finance, Interchange Fees, Investment Incentives, James Madison Institute, Legal Interpretation, Market Stability, Merchant Fees, National Economic Impact, Network Processing, Payment Card Policy, Payment Infrastructure, Price Controls, Public Policy Debate, Regulatory Litigation, Retail Payments, Southwest Public Policy Institute (SPPI), Transaction Monitoring, U.S. Economy

Amicus Curiae Conservatism Corner Post, Inc. v. Board of Governors of the Federal Reserve System Courts Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal Legal and Judicial Life Markets and Finance North Dakota Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology The Constitution Top Issues Updates

Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Post author By Patrick M. Brenner
Post date December 25, 2025
No Comments on Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.

Tags Affordability Crisis, Banking Policy, Constitutional Law, Consumer Credit Policy, Corner Post Lawsuit, Court Of Appeals, credit access, Credit Availability, Credit Markets, Credit Redistribution, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Access, Economic Policy, Electronic Payments, Federal Reserve, Federal Reserve Board, Fifth Amendment Takings, financial inclusion, financial regulation, Financial Stability, Fraud Prevention, Household Finance, Interchange Fees, Interest Rate Caps, Lending Restrictions, Market Distortion, National Economic Impact, New York Fed Study, No Loan For You, Payment Infrastructure, Price Controls, Prime Borrowers, Public Policy Analysis, Regulatory Policy, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Swipe Right, Unbanked Consumers, Underbanked Consumers

Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Trade Updates

DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Post author By Lucas J. Parker
Post date December 15, 2025
1 Comment on DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Tariffs and credit price controls are squeezing American families From both sides.

Tags Bipartisan Policy Failure, BNPL Loans, Buy Now Pay Later, Consumer Credit, Consumer Finance, Consumer Prices, Consumption Tax, Cost Of Credit, Cost Of Living, credit access, Credit Availability, Credit Card Debt, Credit Markets, Credit Shortages, Debt Reliance, Economic Freedom, Economic Growth, Economic Policy, Federal Policy, Financial Inclusivity, Financial Literacy, financial regulation, Financial Stability, Free Market Economics, Government Intervention, Hidden Taxes, Household Debt, Inflation, Inflationary Pressure, Interest Rate Caps, Lending Caps, Lending Regulation, Market Distortion, Market-Based Solutions, Middle-Class Households, Personal Finance, Populism, Price Controls, Regressive Taxes, Regulatory Overreach, Small Loan Lending, Small-Dollar Loans, Stagflation, Subprime Credit, Tariffs, Trade Policy, Trade War, Working-Class Families

Conservatism Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Housing Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

The CFPB’s Open Banking Mandate Is About to Break Rent

Post author By Patrick M. Brenner
Post date December 15, 2025
1 Comment on The CFPB’s Open Banking Mandate Is About to Break Rent

The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.

Budget and Spending Conservatism Courts Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Housing Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Progressivism Public Opinion Reports Technology Top Issues Updates

Report: 1033 Error, Rule Not Sound

Post author By Southwest Public Policy Institute
Post date November 24, 2025
2 Comments on Report: 1033 Error, Rule Not Sound

The CFPB’s open-banking mandate endangers consumers.

Tags Application Programming Interfaces (APIs), Authorized Third Parties, Banks And Credit Unions, Chevron Deference, Comparison Shopping Tools, Consumer Data Access, Consumer Financial Protection Bureau (CFPB), Consumer Protection Policy, Credit Karma, Cybersecurity Risks, Data Breach Risks, Data Governance, Data Monetization, Data Portability, Data Privacy Frameworks, Data Security, Data Sharing Agreements, Digital Financial Platforms, Dodd-Frank Act, Economic Freedom, Federal Court Injunction, Financial Compliance, Financial Data Aggregators, Financial Data Ecosystem, Financial Data Exchange (FDX), Financial Fraud Prevention, Financial Innovation, Financial Institutions, Financial Market Stability, Financial Privacy, Financial Regulation Reform, Financial Services Policy, financial technology, Financial Transparency, Fintech Regulation, Free Market Policy, Gramm-Leach-Bliley Act (GLBA), Lead Generators, Lending Tree, Liability Asymmetry, Loper Bright Decision, Major Questions Doctrine, Market-Based Innovation, Meta Fraud Report, National Security Risks, NerdWallet, Open Banking, Personal Financial Data Rights Rule, Plaid Data Connections, Price Controls, Regulatory Compliance, Regulatory Overreach, Rohit Chopra, Screen Scraping, Section 1033, Statutory Authority Limits, Third-Party Data Access, Trump Administration Rulemaking, Voluntary Industry Standards

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Housing Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

Post author By Patrick M. Brenner
Post date November 17, 2025
No Comments on Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

50-year loan terms would triple total debt while government regulations continue driving up building costs

Conservatism Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Public Opinion Security Technology Top Issues Updates

RealClearMarkets: Stablecoin Rewards Are the Shortcut to Financial Trouble

Post author By Patrick M. Brenner
Post date November 12, 2025
No Comments on RealClearMarkets: Stablecoin Rewards Are the Shortcut to Financial Trouble

Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?

Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Progressivism Top Issues Updates

Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling

Post author By Lucas J. Parker
Post date October 20, 2025
No Comments on Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling

A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.

Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy, Environment, and Natural Resources Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Press Top Issues

Albuquerque Journal: The first of its kind? A tribally owned professional sports team

Post author By Patrick M. Brenner
Post date October 19, 2025
No Comments on Albuquerque Journal: The first of its kind? A tribally owned professional sports team

Originally published at abqjournal.com on October 18, 2025. Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades. But where Tucker sees an opportunity for government to build a […]

Budget and Spending Conservatism Courts Crime and Justice Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology The Constitution Top Issues Updates

Vought Charts New Path for the CFPB

Post author By Lucas J. Parker
Post date October 4, 2025
2 Comments on Vought Charts New Path for the CFPB

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.

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

Tags Apple, Banking Regulation, Bureaucratic Reform, CFPB, Consent Orders, Consumer Financial Protection Bureau, Consumer Protection, Economic Policy, Financial Innovation, financial regulation, Fiscal Responsibility, Government Oversight, Regulatory Overreach, Rohit Chopra, Russell Vought, Trump Administration, US Bank, Washington Federal