Category: Courts

American Banker: Out of One, Many

Post author By Patrick M. Brenner
Post date September 3, 2025
No Comments on American Banker: Out of One, Many

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

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

Post author By Patrick M. Brenner
Post date August 24, 2025
No Comments on Expanding 401(k) Access to Private Markets

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

Tags 401(k) Retirement Plans, Accredited Investors, Alternative Assets, Asset Allocation Funds, Capital Formation, Closed-End Funds, Committee on Capital Markets Regulation (CCMR), Council of Economic Advisers (CEA), Defined Benefit Plans, Defined Contribution Plans, Department of Labor (DOL), ERISA Safe Harbor, Executive Order 2025, Fiduciary Duty, Illiquidity Premium, Infrastructure Investment, Investment Diversification, Keith Sonderling, Litigation Risk, Macroeconomic Growth, Private Credit, Private Equity, Public Pension Funds, Public vs Private Markets, Qualified Purchasers, Real Estate Investments, Retirement Income Growth, Retirement Security, Securities and Exchange Commission (SEC), Trial Attorneys, U.S. Economy, Venture Capital

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

Out of One, Many

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.

Tags Alternative Finance, Banking Compliance, Business Compliance Strategy, CFPB, Compliance Burden, Consumer Financial Protection, Consumer Protection, Consumer Rights, credit access, Credit Reporting Laws, Deregulation, economic liberty, FAIR Business Practices Act, Federal Deregulation, financial inclusion, Financial Regulatory Landscape, Financial Risk Management, Financial Services Regulation, Financial Transparency, Fintech Regulation, Free Market Policy, Junk Fee Laws, Legal Risk For Banks, Lending Restrictions, Market Innovation, Medical Debt Reporting, Merchant Cash Advance Regulation, Multi State Regulation, New York Attorney General, Payments Fraud, Peer To Peer Payments, Policy Analysis, Price Controls, Regulatory Compliance Challenges, Regulatory Patchwork, Small Business Finance, Southwest Public Policy Institute, State Attorneys General, State Consumer Laws, State Level Enforcement, State Versus Federal Regulation, Zelle Lawsuit

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

Post author By Patrick M. Brenner
Post date July 5, 2025
No Comments on ‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

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.

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

Report: Black Market Payday

Post author By Southwest Public Policy Institute
Post date June 24, 2025
2 Comments on Report: Black Market Payday

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

Budget and Spending Conservatism Courts Culture 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 Transparency Updates

An Overdue Course Correction at the CFPB

Post author By Patrick M. Brenner
Post date May 20, 2025
1 Comment on An Overdue Course Correction at the CFPB

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.

California Courts Culture Domestic Policy Energy & Environment Energy Economics Government Regulation Government Transparency and Accountability Infrastructure & Technology Legal Legal and Judicial Life New Mexico Political Thought Public Opinion Renewable Energy SPPI v New Mexico Taxation and Revenue Department Top Issues Transparency Transportation Updates

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

Post author By Southwest Public Policy Institute
Post date May 16, 2025
No Comments on Albuquerque Journal Covers SPPI’s Legal Victory in Public Records Lawsuit

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

Budget and Spending Courts Culture Domestic Policy Economy Energy & Environment Energy Economics Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal Legal and Judicial Markets and Finance New Mexico Renewable Energy SPPI v New Mexico Taxation and Revenue Department Taxes Technology Top Issues Transparency Transportation Updates

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

Post author By Southwest Public Policy Institute
Post date April 30, 2025
1 Comment on New Mexico Agency Ordered to Pay $30K After Losing Transparency Lawsuit

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

Tags Electric Vehicle Mandates, Electric Vehicles, Government Transparency, Inspection of Public Records Act (IPRA), Lawsuit, New Mexico Department of Taxation and Revenue (NMTRD), New Mexico Motor Vehicle Division (MVD), Open Government, Transparency

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

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

Post author By Patrick M. Brenner
Post date March 29, 2025
No Comments on American Banker: Death by a thousand caps—State laws could kill credit card rewards

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.