For exceptional achievement in ignoring market realities and promoting policies that backfire spectacularly.
Category: Top Issues
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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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Health Care Legal and Judicial Life Markets and Finance Medicaid Medicare New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates
‘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.
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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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Transparency and Accountability Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Reports Top Issues Updates
Report: Black Market Payday
How government price controls created an illicit supply of emergency credit.
The Access Granted report exposes how chambers of commerce falsely labeled legitimate data aggregation as phishing to distract from their own failure to secure publicly accessible member directories.
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Budget and Spending Conservatism Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy Economics Government Regulation Government Spending Infrastructure & Technology Life Markets and Finance Nuclear Energy Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Security Technology Top Issues Transparency Updates
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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Report: Access Granted
Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.
The coalition urges the CFTC to cut red tape on prediction markets and embrace permissionless innovation.
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.