Consumer Finance
Credit access, rate caps, the CFPB, banking, payments and retirement savings.
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Op-Ed
What Does a Pizza Have to Do With a Loan?
I was reading about Linney’s Pizza v. Board of Governors of the Federal Reserve System, a case involving a Kentucky pizza shop and the fees merchants pay on debit-card transactions, and it got me thinking about…
Originally published
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Op-Ed
Elizabeth Warren Came to Dance On a Grave. The Corpse Was at Home
Sen. Elizabeth Warren spent months demanding regulators kill Enova International’s bank deal. On Sept. 14 she got her wish. Enova announced a buyback. As funerals go, it was upbeat. Enova withdrew its applications with the Comptroller…
Originally published
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White Paper No. 14
The Moral Hierarchy of Debt
Why America’s most trusted loan is its most expensive, and who decided otherwise.
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Press Release
SPPI Names Gregory A. Schroeder Executive Vice President
Lending and mortgage veteran will guide the institute’s work on credit access and consumer finance.
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White Paper No. 11
Fifty-Five Percent
Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
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Testimony & Comments
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
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White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
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In the News
SPPI in the Spotlight: Exposing Opioid Settlement Secrecy, Regulatory Overreach, and Real Estate Trap Doors
How SPPI is driving transparency, market competition, and accountability in public policy.
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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
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Amicus Brief
SPPI Files Amicus Brief Defending Federal Reserve’s Debit Card Fee Protections
For Immediate ReleaseJune 18, 2026 Contact202-505-1769press@southwestpolicy.com Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in…