Public Opinion
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Op-Ed
The Supreme Court has emboldened the CFPB, threatening American consumers
The Supreme Court’s recent ruling will only embolden CFPB Director Rohit Chopra, who has increasingly instituted overly broad regulatory actions.
Originally published inThe Hill
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Press Release
SPPI Expresses Disappointment in Supreme Court Ruling Upholding CFPB Funding Structure
The Southwest Public Policy Institute warns that this decision will embolden regulatory overreach and drive consumer prices up.
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Testimony & Comments
A Call for Prudent Consumer Credit Legislation in Alaska
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…
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Policy Brief
New Mexico’s Upcoming Special Session: Safety or Statism?
Governor Michelle Lujan Grisham’s recent announcement of yet another special legislative session in New Mexico, set to commence on July 18, 2024, ostensibly aims to enhance public safety—an objective no reasonable person would oppose. However, the…
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TV & Radio
New Interview Alert: The Dangers of CFPB’s Latest Directive on Comparison Shopping Websites
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…
Aired onReal America’s Voice
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Policy Brief
Transparency and Trust in New Mexico’s Election Technology
New Mexico recently unveiled the Online Candidate Nominating Petition Signature Portal, a digital platform designed to simplify the nomination process for candidates. This initiative, part of a broader movement to enhance electoral accessibility and security, represents…
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Policy Brief
New Mexico’s Online Candidate Nominating Petition Signature Portal
In 2023, New Mexico took a pioneering step forward in electoral processes. The recent adoption of the Online Candidate Nominating Petition Signature Portal by the Secretary of State, Maggie Toulouse Oliver, marks a significant milestone in…
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Op-Ed
CFPB’s latest overreach threatens to nationalize consumer finance
In a bold move that may reshape the U.S. consumer finance landscape, Rohit Chopra’s Consumer Financial Protection Bureau has issued Consumer Financial Protection Circular 2024-01, marking a significant overreach into how Americans access financial services. This…
Originally published inAmerican Banker