Poverty and Inequality
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White Paper No. 14
The Moral Hierarchy of Debt
Why America’s Most Trusted Loan Is Its Most Expensive, and Who Decided Otherwise
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
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.
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White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
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Op-Ed
My Retirement Accounts Fail In the World I Actually Live In
The rich already invest this way. Workers should be allowed to as well.
Originally published inRealClearMarkets
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Op-Ed
Instead of Taxing the Rich, Let Americans Invest Like Them
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.
Originally published inNational Review
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Op-Ed
Mortgage Bankers Association’s tri-merge credit reporting reform pushes risky overhaul
Proposal strips critical safeguards and shifts long-term costs on to American borrowers.
Originally published inThe Washington Times
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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
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Policy Brief
Housing Shock: The Cost of Investor Ownership Bans
A prohibition on institutional investors could destabilize housing markets, but a targeted exemption can protect homeowners and renters.