Representing the Southwest Public Policy Institute, I recently had the opportunity to testify before the Alaska House Finance Committee and the Alaska Senate Community and Regional Affairs Committee regarding proposed legislation on consumer credit. The bills in question, House Bill 145 and its Senate counterpart, Senate Bill 264, aim to implement rate caps similar to […]
The Southwest Public Policy Institute (SPPI) has been invited to provide expert testimony in the upcoming legislative sessions for Alaska House Bill 145 and Alaska Senate Bill 264, which will take place on April 30, 2024.
In a recent interview on Real America’s Voice, Patrick M. Brenner, President of the Southwest Public Policy Institute, sat down with host Michelle Backus to discuss a pressing issue that threatens the foundation of consumer choice and the competitive market within the United States. The topic of discussion centered around a new directive from the […]
Rethinking American Retirement and Social Security
Wells Fargo’s Flex Loan program is a labyrinth of unclear eligibility requirements and a baffling case of vanishing funds.
Experience shows that businesses pass on increased costs to consumers, hurting the very people wage hikes are supposed to help.
If CFPB found a financial institution had suffered a data breach of a similar magnitude, the fines and fees would be astronomical.
The 2022 passage of House Bill 132, which set a stringent cap of 36% on interest rates for consumer loans, is having its intended and significant repercussions on New Mexico’s financial landscape. This was no accident: by restricting the interest rates that small-dollar lenders can charge, the rate cap effectively marginalized an entire segment of […]
Recent research has shown that health care consolidations not only lower costs for health care consumers but also improve multiple indicators of quality patient care.
Components of the Inflation Reduction Act have the very real potential of inflating drug prices with arbitrary price controls. Consumers will pay the price.
