Courts
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In the News
‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo
Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.
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Policy Brief
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.
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In the News
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.
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Litigation
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.
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Op-Ed
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.
Originally published inAmerican Banker
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In the News
SPPI Featured in Tangle’s Coverage of CFPB Debate
SPPI continues to argue against the agency’s overreach and its impact on financial markets.
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Op-Ed
Trump can delete Elizabeth Warren’s failed experiment once and for all
CFPB is doing more harm than good, and its dissolution is not just a policy preference but an economic necessity.
Originally published inFox News
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In the News
Brenner Quoted in National Mortgage News on FCC’s One-to-One Consent Rule Suspension
Southwest Public Policy Institute President Patrick M. Brenner was quoted in National Mortgage News on the FCC’s one-to-one consent rule being indefinitely suspended following two significant legal developments. With the 11th Circuit Court of Appeals striking…