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.
Category: Policy Centers
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.
For Immediate ReleaseJune 18, 2026 [email protected] 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 […]
State-level DIDMCA opt-outs threaten to fragment the national credit market.
A new comment letter from the Southwest Public Policy Institute highlights the existential threat that state-level interference poses to the national economy.
Why state-level price controls threaten $35 billion in credit card rewards and household budgeting.
The rich already invest this way. Workers should be allowed to as well.
America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.
Proposal strips critical safeguards and shifts long-term costs on to American borrowers.
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The Future of Retirement is Here
The change could quietly unlock billions in hidden retirement wealth for everyday Americans.