Top Issues
-
Policy Brief
Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.
-
Op-Ed
The first of its kind? A tribally owned professional sports team
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.…
Originally published inAlbuquerque Journal
-
Policy Brief
The Real Cost of Homeownership: Beyond the Mortgage and APR
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on…
-
Op-Ed
The Case Against 30-Year Mortgages
Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.
Originally published inThe Wall Street Journal
-
Policy Brief
Vought Charts New Path for the CFPB
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.
-
Policy Brief
Trump’s Japanese Tariff Agreement: A Winning Deal for Consumers?
A 15% tariff may look like a trade victory, but American families could end up paying the price.
-
Op-Ed
Sen. Richard Durbin’s Long-Term Love Affair With Price Controls
Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows…
Originally published inRealClearMarkets
-
Litigation
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…
-
Policy Brief
Lip Service Masquerading as Credit Inclusivity
When Wells Fargo first rolled out its Flex Loan program, it was heralded by advocates like The Pew Charitable Trusts as evidence that America’s largest banks were finally offering an “affordable” alternative to short-term credit products.…
-
Op-Ed
Why senators’ efforts to kill overdraft fees is overkill
Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.
Originally published inThe Hill