Poverty & Welfare
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Press Release
SPPI Launches Champions Program
New partnership program invites leaders to advance liberty, transparency, and prosperity across the nation.
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Policy Brief
Out of One, Many
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
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Press Release
The Southwest Public Policy Institute Proudly Presents: The Economic Dunce Award
For exceptional achievement in ignoring market realities and promoting policies that backfire spectacularly.
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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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Press Release
Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill
The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.
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Press Release
SPPI Continues Global Engagement Through Partnership with Global Ties
A visiting European delegation through Global Ties discussed how regional think tanks like SPPI influence U.S. foreign policy.
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Op-Ed
The CFPB Is Making It Harder For You To Pay Your Bills
The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.
Originally published inRealClearMarkets
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Policy Brief
An Overdue Course Correction at the CFPB
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.