Better living through better policy.

Category: Illinois

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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

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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

Alaska Arizona California Colorado Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Illinois Infrastructure & Technology Legal and Judicial Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Texas Top Issues Transparency Updates Utah

American Banker: Out of One, Many

Post author By Patrick M. Brenner
Post date September 3, 2025
No Comments on American Banker: Out of One, Many

As CFPB retreats, the new danger is a jumble of state-level mandates.

Alaska Conservatism Domestic Policy Economic Opportunity Economy Government Regulation Illinois Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

Post author By Patrick M. Brenner
Post date August 26, 2025
No Comments on Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

Good intentions don’t pay the bills. But choice, transparency, and access can.

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