Originally published at abqjournal.com on October 18, 2025. Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades. But where Tucker sees an opportunity for government to build a […]
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on a larger point he doesn’t address. An APR calculation is mathematically accurate. Most fixed-rate 30-year mortgages are priced similarly, […]
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.
Originally published at realclearmarkets.com on September 22, 2025. Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]
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 action follows years of inaction by New Mexico Attorney General Raúl Torrez and other state agencies, despite overwhelming evidence […]
When Wells Fargo first rolled out its Flex Loan program, it was heralded by advocates like The Pew Charitable Trusts as evidence that America’s largest banks were finally offering an “affordable” alternative to short-term credit products. Bankrate’s own review of the Flex Loan paints a favorable picture, touting fast approval, lower fees than payday loans, […]
Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.
As CFPB retreats, the new danger is a jumble of state-level mandates.
Good intentions don’t pay the bills. But choice, transparency, and access can.
Why America’s workers deserve the same investment opportunities as public pensions.
