Category: Nevada

American Banker: Death by a thousand caps—State laws could kill credit card rewards

Post author By Patrick M. Brenner
Post date March 29, 2025
No Comments on American Banker: Death by a thousand caps—State laws could kill credit card rewards

A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.

Tags Credit Card Rewards Programs, Credit Cards, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, MasterCard, Price Controls, Supreme Court of the United States (SCOTUS), Swipe Fees, Transactions, Visa

Arizona California Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada Political Thought Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Earned Wage Access: A Financial Lifeline or the Next Credit Trap?

Post author By Patrick M. Brenner
Post date February 1, 2025
No Comments on 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.

Tags Annual Percentage Rate (APR), Consumer Financial Protection Bureau (CFPB), Credit, Deceptive, Earned Wage Access (EWA), Federal Trade Commission (FTC), Finance, Lending, Payday Alternative Loan, Payday Loans, Small Dollar Loans, Truth in Lending Act (TILA), Unfair Deceptive and Abusive Practices (UDAP), Unfair Deceptive or Abusive Acts or Practices (UDAAP)

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

Victory: Court Deals FCC’s One to One Consent Rule a Major Blow

Post author By Patrick M. Brenner
Post date January 24, 2025
2 Comments on Victory: Court Deals FCC’s One to One Consent Rule a Major Blow

Businesses, consumers, and innovators scored a major victory as the FCC’s overreaching one-to-one consent rule was struck down.

Tags Choice, Comparison Shopping Tools, Competition, Consumers, Digital Intermediaries, Eric J. Troutman, Federal Communications Commission (FCC), Free Market, Insurance Marketing Coalition (IMC), Lead Generation, Lead Generators, One-to-One Consent Rule, REACH v FCC, TCPAWorld, Telephone Consumer Protection Act (TCPA)

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

Newsmax: A Boon for Foreign Call Centers, a Blow to US Jobs

Post author By Patrick M. Brenner
Post date January 23, 2025
2 Comments on Newsmax: A Boon for Foreign Call Centers, a Blow to US Jobs

Originally published at newsmax.com on January 22, 2025. 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. However, one impending issue—the FCC’s one-to-one consent rule—threatens to harm everyday Americans more than […]

Tags Eric J. Troutman, Federal Communications Commission (FCC), IMC v FCC, Insurance Marketing Coalition (IMC), One-to-One Consent Rule, REACH v FCC, Responsible Enterprises Against Consumer Harassment (REACH), TCPAWorld, Telephone Consumer Protection Act (TCPA)

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

The CFPB’s Desperate Eleventh-Hour Overreach

Post author By Patrick M. Brenner
Post date January 16, 2025
No Comments on The CFPB’s Desperate Eleventh-Hour Overreach

Rohit Chopra is lashing out with desperate, partisan overreach in his final days, prioritizing political agendas over consumer protection while creating regulatory chaos and undermining the legitimacy of his tenure and that of the CFPB.

Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Nevada Poverty and Inequality Technology Top Issues Updates

Betting on the Future: SPPI Tackling Lending Challenges at Vegas Conference

Post author By Patrick M. Brenner
Post date December 3, 2024
No Comments on Betting on the Future: SPPI Tackling Lending Challenges at Vegas Conference

Panel discussion on 'The Intersection of Policy and Data' at the 2023 Tribal Lending Conference. From left to right: Joe Lilly, Vice President of External Affairs at Caliber Financial Services; Patrick M. Brenner, President of the Southwest Public Policy Institute; and Dr. Tom Miller, Professor of Finance at Mississippi State University.

SPPI heads to Las Vegas for the Online Lenders Alliance’s annual Tribal Lending Conference to connect with industry leaders and tackle the future of financial services.

Tags Alternative Financial Services, Banking, Borrowing, Conferences, Credit, Lending, Online Lenders Alliance (OLA), Subprime Credit, Tribal Sovereignty

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

Is Elon Musk Serious with his “Delete CFPB” Tweet?

Post author By Patrick M. Brenner
Post date November 27, 2024
2 Comments on Is Elon Musk Serious with his “Delete CFPB” Tweet?

In a late-night post on his social media platform X, billionaire entrepreneur and incoming Department of Government Efficiency head Elon Musk made a bold declaration: “Delete CFPB. There are too many duplicative regulatory agencies.” Musk’s succinct yet striking comment has ignited a vital debate about the role and efficacy of the Consumer Financial Protection Bureau […]

Tags Consumer Financial Protection Bureau (CFPB), Department of Government Efficiency (DoGE), Dodd-Frank Wall Street Reform and Consumer Protection Act, Elizabeth Warren, Elon Musk, Joe Rogan, Rohit Chopra

Alaska Arizona California Colorado Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Legal and Judicial Markets and Finance Nevada New Mexico Oklahoma Political Thought Progressivism Public Opinion Texas The Constitution Top Issues Updates Utah

Newsmax: SCOTUS Decision Offers Americans Unrealized Gains

Post author By Southwest Public Policy Institute
Post date November 8, 2024
1 Comment on Newsmax: SCOTUS Decision Offers Americans Unrealized Gains

Originally published at newmax.com on November 4, 2024. The U.S. Senate investigation into Boeing’s safety practices and the FAA’s ineffective oversight revealed that Boeing, under pressure to prioritize production speed over safety, suffered quality control issues that endangered consumers. Despite these risks, the FAA’s overreliance on industry insiders failed to address Boeing’s deficiencies. The problem is not regulation; the […]

Tags Boeing Company, Chevron doctrine, Chevron v. Natural Resources Defense Council, Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Mike Lee, National Institutes of Health (NIH), Newsmax, Non-compete, Overreach, Rand Paul, REINS Act, Supreme Court of the United States (SCOTUS), Tim Walz, Tom Vilsack, U.S. Chamber of Commerce

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

Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark

Post author By Patrick M. Brenner
Post date October 18, 2024
No Comments on Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark

The FTC’s new “Click-to-Cancel” rule simplifies subscription cancellations but risks stifling innovation and imposing costly burdens on businesses and consumers alike.