Better living through better policy.

Category: Reports

Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Housing Infrastructure & Technology Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Reports Top Issues Transparency Updates

Report: The Case Against 50-Year Mortgages

Post author By Southwest Public Policy Institute
Post date November 8, 2025
No Comments on Report: The Case Against 50-Year Mortgages

How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?

Tags 50-Year Mortgage, Abrazos Homes, Affordable Housing, Annual Percentage Rate (APR), Bill Pulte, Building Permits, Central Planning, Construction Costs, Consumer Price Index (CPI), Donald Trump, Economic Policy, Fannie Mae, Federal Housing Administration (FHA), Federal Reserve, financial regulation, Freddie Mac, Government Subsidies, Home Builders, Homeownership, Housing Affordability, Housing Policy, Housing Supply, Immigration Policy, Inflation, Jerome Powell, Mackenzie Bishop, Mortgage Market, Mortgage Rates, Mortgage-Backed Securities (MBS), Patrick M. Brenner, Property Taxes, Real Estate Market, Red Tape, Skilled Trades, Southwest Public Policy Institute (SPPI), Sticky Inflation, Tariffs, The Wall Street Journal (WSJ), Truth in Lending Act (TILA), Zoning Reform

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

Post author By Southwest Public Policy Institute
Post date June 24, 2025
2 Comments on Report: Black Market Payday

How government price controls created an illicit supply of emergency credit.

Conservatism Culture Cybersecurity Data Domestic Policy Economic Opportunity Economy Infrastructure & Technology Legal and Judicial Life Markets and Finance New Mexico Political Thought Progressivism Public Opinion Reports Security Technology Top Issues Transparency Updates

Report: Access Granted

Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.

Conservatism Culture Domestic Policy Economic Opportunity Economy Infrastructure & Technology Life Markets and Finance Political Thought Progressivism Public Opinion Reports Technology Top Issues Updates

Report: Swipe Right

Post author By Southwest Public Policy Institute
Post date May 10, 2025
3 Comments on Report: Swipe Right

How comparison shopping tools and lead generators revolutionize consumer access to products and services.

Arizona California Colorado Culture Domestic Policy Economic Opportunity Economy Government Spending Markets and Finance Nevada New Mexico Oklahoma Political Thought Public Opinion Reports Social Security Texas Top Issues Updates Utah

Report: 58 is the New 62

Post author By Southwest Public Policy Institute
Post date February 15, 2024
No Comments on Report: 58 is the New 62

Rethinking American Retirement and Social Security

Tags Personal Finance, Retirement, Social Security

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Reports Top Issues Updates

Report: No Loan for You, Too!

Post author By Southwest Public Policy Institute
Post date June 15, 2023
1 Comment on Report: No Loan for You, Too!

Patrick M. Brenner stands outside Del Norte Credit Union during our "No Loan For You, Too!" experiment.

The unintended consequences of price controls on consumer access to credit.

Tags American Southwest Credit Union, Bank of America, Center for Responsible Lending (CRL), Credit, Del Norte Credit Union, Everyone’s Federal Credit Union, FirstLight Federal Credit Union, Four Corners Credit Union, Internationalites Federal Credit Union, Lending, Mountain America Credit Union, National Community Reinvestment Coalition (NCRC), National Consumer Law Center (NCLC), National Credit Union Administration (NCUA), Navy Federal Credit Union, No Loan For You!, Nusenda Credit Union, Otero Federal Credit Union, Payday Alternative Loan, Pentagon Federal Credit Union, Specialized Emergency Loans, The Pew Charitable Trusts, U-1st Community Federal Credit Union, U.S. Bank, U.S. Eagle Federal Credit Union, Veridian Credit Union, Wells Fargo

Arizona California Colorado Conservatism Culture Domestic Policy Government Spending Government Transparency and Accountability Legal and Judicial Nevada New Mexico Oklahoma Political Thought Progressivism Reports Texas Top Issues Utah

Report: They Lobby — You Pay

Post author By Southwest Public Policy Institute
Post date May 17, 2023
1 Comment on Report: They Lobby — You Pay

Why and How to Stop Taxpayer-Funded Advocacy

Tags Accountability, Democrat, Education Savings Accounts, Ethics, Grass Roots, Influence, Legislation, Lobbying, Nonpartisan, Open Government, Republican, School Choice, Taxpayers, Transparency

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Reports Top Issues Updates

Report: No Loan for You!

Post author By Southwest Public Policy Institute
Post date March 2, 2023
25 Comments on Report: No Loan for You!

How the war on specialized emergency loans has hurt New Mexicans.

Tags Bank of America, Credit, Lending, No Loan For You!, Specialized Emergency Loans, The Pew Charitable Trusts, U.S. Bank, Wells Fargo

Arizona California Colorado Conservatism Culture Domestic Policy Economy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Government Regulation Infrastructure & Technology Life Nevada New Mexico Oklahoma Political Thought Progressivism Public Opinion Renewable Energy Reports Texas Top Issues Updates Utah

Report: A Bright, Shining Disappointment

Post author By Southwest Public Policy Institute
Post date November 30, 2022
6 Comments on Report: A Bright, Shining Disappointment

Solar Photovoltaic’s Failure in the Southwest.

Tags Affordable Energy, Baseload Power, Blackouts, Coal Energy, Electricity, Energy Crisis, Green Energy, Intermittency, Nuclear Energy, Oil and Gas, Reliable Energy, Solar Energy

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