Crime and Justice
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Litigation
SPPI Files Public Records Request Regarding New Mexico Lottery Contract Procurement
SPPI seeks transparency and legal clarity regarding the New Mexico Lottery Authority’s procurement process and transition planning for the state gaming system contract.
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Policy Brief
Fiduciary Standards Start With Transparency
The loudest voices demanding “fiduciary purity” in America’s retirement debate are often the least willing to submit themselves to basic public scrutiny. That contradiction is now impossible to ignore. This week, the Pinpoint Policy Institute filed…
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Op-Ed
Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
Originally published inRealClearMarkets
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Amicus Brief
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.
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Op-Ed
Trump’s Tariffs Are Changing How Consumers Use Credit
Tariffs and credit price controls are squeezing American families From both sides.
Originally published inDC Journal
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Litigation
SPPI Files Federal Complaint After New Mexico Attorney General Fails to Act
The Southwest Public Policy Institute (SPPI) has filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding the loan-sharking lending practices of former State Representative Tara Jaramillo and her company, Positive Outcomes, Inc. The…
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Policy Brief
Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme
Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.
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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.