Poverty and Inequality
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Op-Ed
Trump’s Tariffs Are Changing How Consumers Use Credit
Tariffs and credit price controls are squeezing American families From both sides.
Originally published inDC Journal
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Policy Brief
The CFPB’s Open Banking Mandate Is About to Break Rent
The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.
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Policy Brief
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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Policy Brief
The Need to Modernize Financial Literacy in Uncertain Economic Times
A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.
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Policy Brief
The Death Knell for Elizabeth Warren’s CFPB
Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime
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Op-Ed
Trump’s 50-year mortgage just introduces a new kind of debt
50-year loan terms would triple total debt while government regulations continue driving up building costs
Originally published inFox News
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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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Policy Brief
Rural Medicare Advantage Customers See Decreased Options
As the December 7 Medicare Open Enrollment deadline approaches, rural seniors face shrinking coverage options as major insurers scale back Medicare Advantage plans nationwide.
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Policy Brief
The Mortgage Bankers Association’s Reply Is the Real Joke
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
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Policy Brief
The Real Cost of Homeownership: Beyond the Mortgage and APR
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…