Category: State

SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case

Post author By Southwest Public Policy Institute
Post date December 30, 2025
No Comments on SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case

A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.

Tags Amicus Brief, Banking Policy, Brownstein Hyatt Farber Schreck, Card Payment Security, Checkout Transactions, Constitutional Law, Consumer Protection Policy, Corner Post Lawsuit, Court Of Appeals, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Policy, Electronic Payments, Federal Reserve Board, Fifth Amendment Takings, Financial Access, financial inclusion, financial regulation, Fraud Prevention, Household Finance, Interchange Fees, Investment Incentives, James Madison Institute, Legal Interpretation, Market Stability, Merchant Fees, National Economic Impact, Network Processing, Payment Card Policy, Payment Infrastructure, Price Controls, Public Policy Debate, Regulatory Litigation, Retail Payments, Southwest Public Policy Institute (SPPI), Transaction Monitoring, U.S. Economy

Budget and Spending Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Education Education Freedom and Reform Government Regulation Government Spending Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Santa Fe New Mexican: Let’s reimagine financial literacy education

Post author By Lucas J. Parker
Post date December 25, 2025
No Comments on Santa Fe New Mexican: Let’s reimagine financial literacy education

We need to modernize how financial literacy is taught entirely.

Tags APR Education, Compounding Interest, Consumer Finance, credit access, Credit Card Debt, Credit Scores, Debt Management, Economic Education, Economic Opportunity, Education Policy, Education Reform, Financial Curriculum Modernization, Financial Decision Making, Financial Empowerment, Financial Literacy, Financial Literacy Legislation, Financial Literacy Reform, Financial Responsibility, Financial Wellbeing, Gen Z Debt, HB 171, High School Financial Literacy, Household Debt, Interest Rates, Mortgage Education, New Mexico Education, New Mexico Policy, New Mexico Schools, Personal Finance Education, Real World Finance Skills, Responsible Borrowing, Southwest Public Policy Institute (SPPI), Student Debt, Youth Financial Education

Amicus Curiae Conservatism Corner Post, Inc. v. Board of Governors of the Federal Reserve System Courts Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal Legal and Judicial Life Markets and Finance North Dakota Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology The Constitution Top Issues Updates

Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Post author By Patrick M. Brenner
Post date December 25, 2025
No Comments on Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.

Tags Affordability Crisis, Banking Policy, Constitutional Law, Consumer Credit Policy, Corner Post Lawsuit, Court Of Appeals, credit access, Credit Availability, Credit Markets, Credit Redistribution, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Access, Economic Policy, Electronic Payments, Federal Reserve, Federal Reserve Board, Fifth Amendment Takings, financial inclusion, financial regulation, Financial Stability, Fraud Prevention, Household Finance, Interchange Fees, Interest Rate Caps, Lending Restrictions, Market Distortion, National Economic Impact, New York Fed Study, No Loan For You, Payment Infrastructure, Price Controls, Prime Borrowers, Public Policy Analysis, Regulatory Policy, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Swipe Right, Unbanked Consumers, Underbanked Consumers

Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Illinois Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Buried in Bias

Post author By Southwest Public Policy Institute
Post date December 12, 2025
1 Comment on Buried in Bias

The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.

Tags Alternative Financial Services, Amortization Schedules, Annual Percentage Rate (APR), Banking Fees, Bolen Elliehausen Miller Study, Buried In Debt Report, Center for Responsible Lending (CRL), consumer choice, Consumer Credit Policy, Consumer Lending Research, Consumer Welfare, Cost Of Living Crisis, credit access, Credit Bureau Data, Credit Denial Rates, Credit Market Regulation, Credit Rationing, Credit Stacking, Credit Supply Constraints, Deep-Subprime Borrowers, Difference-In-Differences Analysis, Economic Opportunity, Evidence-Based Policymaking, Financial Hardship, financial inclusion, Financial Literacy, financial regulation, Financial Services Policy, Free Market Finance, Housing Cost Burden, Income Volatility, Interest Rate Caps, Loan Availability, Loan Disclosures, Market Distortion, Mortgage Finance, No Loan For You, No Loan For You!, Overdraft Fees, Payday Lending, Poverty And Inequality, Price Controls, Regulatory Economics, Regulatory Harm, Risk-Based Pricing, Selection Bias, Small-Dollar Credit Research, Small-Dollar Loans, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Substitute Financial Products, Survivorship Bias, Too!, Total Cost Of Credit, Usury Laws

Agriculture Alaska Arizona California Coal, Oil, Natural Gas Colorado Conservatism Culture Domestic Policy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Life New Mexico Oklahoma Political Thought Progressivism Public Opinion Renewable Energy Texas Top Issues Updates Utah

The Washington Post: New Mexico knows Trump’s BLM nominee. Back away.

Post author By Patrick M. Brenner
Post date November 22, 2025
No Comments on The Washington Post: New Mexico knows Trump’s BLM nominee. Back away.

Former New Mexico Republican chairman Steve Pearce is the opposite of what the complex agency needs.

Tags Administrative Leadership, American West, Bureau of Land Management (BLM), Climate Policy, Conservation Policy, Donald Trump, Economic Development, Energy Policy, Environmental Policy, Environmental Protection, Executive Branch Appointments, Federal Agency Leadership, Federal Appointments, Federal Land Oversight, Federal Land Use, GOP Infighting, Government Competence, Government Reform, Grazing Permits, Land Management Policy, Mineral Rights, Natural Resources Management, New Mexico Legislature, New Mexico Politics, Oil And Gas Industry, Opinion Editorial, Otero Mesa, Partisan Politics, Patrick M. Brenner, Political Accountability, Political Analysis, Political Appointments, Political Polarization, Public Land Stewardship, Public Lands, Public Policy, Public Trust, Republican Leadership, Republican Party, Rural Policy, Southwest Public Policy Institute (SPPI), State Politics, Stevan Pearce, Susana Martinez, Tribal Nations, Trump Administration, Trump Second Term, Washington Post Opinion, Western Communities, Western Conservation, Western States Politics

Agriculture Alaska Arizona California Coal, Oil, Natural Gas Colorado Conservatism Culture Domestic Policy Economy Energy & Environment Energy, Environment, and Natural Resources Government Regulation Illinois Nevada New Mexico Oklahoma Political Thought Press Progressivism Public Opinion Texas Top Issues Updates Utah

SPPI Opposes Steve Pearce’s BLM Nomination

Post author By Patrick M. Brenner
Post date November 18, 2025
3 Comments on SPPI Opposes Steve Pearce’s BLM Nomination

The Institute warns that the Pearce nomination could undermine western land management

Tags Ben Ray Luján, Bureau of Land Management (BLM), Energy Policy, Environmental Policy, Federal Appointments, Government Accountability, Land Management Policy, Martin Heinrich, New Mexico Politics, Political Leadership, Public Lands, Senate Confirmation, Southwest Public Policy Institute (SPPI), Steve Pearce, Washington Post Op-Ed, Western Land Stewardship

Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy, Environment, and Natural Resources Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Press Top Issues

Albuquerque Journal: The first of its kind? A tribally owned professional sports team

Post author By Patrick M. Brenner
Post date October 19, 2025
No Comments on Albuquerque Journal: The first of its kind? A tribally owned professional sports team

Originally published at abqjournal.com on October 18, 2025. Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades. But where Tucker sees an opportunity for government to build a […]

Crime and Justice Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Top Issues Updates

SPPI Files Federal Complaint After New Mexico Attorney General Fails to Act

Post author By Southwest Public Policy Institute
Post date September 17, 2025
1 Comment on SPPI Files Federal Complaint After New Mexico Attorney General Fails to Act

The Southwest Public Policy Institute (SPPI) has filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding the loan-sharking lending practices of former State Representative Tara Jaramillo and her company, Positive Outcomes, Inc. The action follows years of inaction by New Mexico Attorney General Raúl Torrez and other state agencies, despite overwhelming evidence […]