Better living through better policy.

Category: Legal and Judicial

Report: Fifty-Five Percent

Post author By Southwest Public Policy Institute
Post date August 15, 2026
No Comments on Report: Fifty-Five Percent

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.

Economic Opportunity Government Regulation Markets and Finance Poverty and Inequality Technology The Constitution Transparency

SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File

Post author By Southwest Public Policy Institute
Post date August 15, 2026
No Comments on 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.

Courts Government Regulation Markets and Finance Poverty and Inequality Top Issues

Report: Application Pending

Post author By Southwest Public Policy Institute
Post date August 3, 2026
1 Comment on Report: Application Pending

68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.

California Courts Government Regulation Markets and Finance Technology Transparency

DC Journal: California’s Crackdown on Consumer Credit Just Hit a Wall

Post author By Patrick M. Brenner
Post date June 30, 2026
No Comments on DC Journal: 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.

Courts Economic Opportunity Government Regulation Markets and Finance

SPPI Files Amicus Brief Defending Federal Reserve’s Debit Card Fee Protections

Post author By Patrick M. Brenner
Post date June 18, 2026
No Comments on SPPI Files Amicus Brief Defending Federal Reserve’s Debit Card Fee Protections

For Immediate ReleaseJune 18, 2026 Contact202-505-1769press@southwestpolicy.com Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in the U.S. District Court for the Eastern District of Kentucky for the case Linney’s Pizza v. Board of Governors […]

Courts Economic Opportunity Government Regulation Markets and Finance Top Issues

American Banker: ‘For Heaven’s sake, stop it’ DIDMCA opt outs harm interstate commerce

Post author By Patrick M. Brenner
Post date June 15, 2026
No Comments on American Banker: ‘For Heaven’s sake, stop it’ DIDMCA opt outs harm interstate commerce

State-level DIDMCA opt-outs threaten to fragment the national credit market.

Courts Government Regulation Markets and Finance Technology Top Issues

The Hill: Illinois and Colorado are coming for your airline miles

Post author By Patrick M. Brenner
Post date June 9, 2026
No Comments on The Hill: Illinois and Colorado are coming for your airline miles

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 […]

Economic Opportunity Government Regulation Markets and Finance The Constitution Top Issues

SPPI Supports the OCC in Blocking Harmful State Banking Mandates

Post author By Patrick M. Brenner
Post date May 27, 2026
No Comments on SPPI Supports the OCC in Blocking Harmful State Banking Mandates

A new comment letter from the Southwest Public Policy Institute highlights the existential threat that state-level interference poses to the national economy.