Poverty and Inequality
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Op-Ed
The Real World Intrudes On Sanders and Hawley’s Rate Cap
A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.
Originally published inRealClearMarkets
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Op-Ed
Trump can delete Elizabeth Warren’s failed experiment once and for all
CFPB is doing more harm than good, and its dissolution is not just a policy preference but an economic necessity.
Originally published inFox News
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Press Release
SPPI Applauds the Departure of CFPB Director Rohit Chopra
Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Policy Brief
The Price of Credit: How Rate Caps Hurt America’s Cash Poor
“The road to hell is paved with good intentions.”
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Op-Ed
A Boon for Foreign Call Centers, a Blow to US Jobs
With the inauguration of Donald Trump and the leadership shakeup at the Federal Communications Commission (FCC), the regulatory landscape is shifting. Brendan Carr has replaced Jessica Rosenworcel as FCC chair, and a new Republican majority now controls the Commission.…
Originally published inNewsmax
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Policy Brief
Ready for Action: SPPI Kicks Off the 2025 New Mexico Legislative Session
SPPI kicks off the 2025 New Mexico legislative session, partnering with key lawmakers to advance a bold agenda for freedom, opportunity, and prosperity.
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Op-Ed
It’s Time to Disrupt the System and Introduce Real School Reform in New Mexico
New Mexico must embrace comprehensive school choice reform, exemplified in Senator Craig Brandt’s Education Freedom Bill, to empower parents, improve educational outcomes, and make our state competitive.
Originally published inAlbuquerque Journal
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Policy Brief
An Oil and Gas Permanent Fund Dividend for New Mexico: Returning Prosperity to the People
How can we ensure these revenues benefit all New Mexicans while fostering economic sustainability?