Category: Courts

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Vought Charts New Path for the CFPB

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.

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

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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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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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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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‘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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Report: Black Market Payday

Specialized Emergency Payday Loans

How government price controls created an illicit supply of emergency credit.

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An Overdue Course Correction at the CFPB

Consumer Financial Protection Bureau Southwest Public Policy Institute

Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.

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Albuquerque Journal Covers SPPI’s Legal Victory in Public Records Lawsuit

New Mexico IPRA Lawsuit SPPI v NMTRD

The victory guarantees access to public vehicle data to investigate the impact of EV mandates on vulnerable communities.

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New Mexico Agency Ordered to Pay $30K After Losing Transparency Lawsuit

Electric Vehicle Mandates Hurt Poor and Minority Residents

SPPI won against New Mexico’s Taxation and Revenue Department for violating public records law.

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American Banker: Death by a thousand caps—State laws could kill credit card rewards

Credit Card Rewards Swipe Fees Interchange Fee Caps Price Controls

A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.