Poverty and Inequality
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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The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.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.
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In the News
Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators
National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.
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Press Release
Victory in Colorado: HB25-1282 Defeated
A harmful swipe fee price control bill was defeated in the Senate after passing the House, marking a major victory for economic freedom.
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Op-Ed
Don’t waste the windfall; Use opioid settlement funds where they count
America may finally be turning a corner in the opioid crisis. For the first time in years, overdose deaths are declining. The Centers for Disease Control and Prevention recently reported a 17% decrease in opioid-related fatalities…
Originally published inSanta Fe New Mexican