Consumer Finance
Credit access, rate caps, the CFPB, banking, payments and retirement savings.
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Op-Ed
SCOTUS Decision Offers Americans Unrealized Gains
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…
Originally published inNewsmax
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Event
Swipe Right at Lend360: A Look at the Latest Research
We are excited to announce that Patrick M. Brenner, President of the Southwest Public Policy Institute (SPPI), will be attending this year’s Lend360 conference in Nashville! As one of the leading voices in financial services policy,…
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Policy Brief
A “Revamp” Gone Wrong: GovLoans.gov Is No Longer Safe
The recent “upgrade” to GovLoans.gov has turned into a major security risk, with antivirus alerts flagging the official site as potentially malicious.
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Policy Brief
The CFPB Attacks SoLo Funds
The Consumer Financial Protection Bureau (CFPB) has attacked SoLo Funds, the nation’s largest consumer-facing Black-led and owned fintech.
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Op-Ed
The Supreme Court has emboldened the CFPB, threatening American consumers
The Supreme Court’s recent ruling will only embolden CFPB Director Rohit Chopra, who has increasingly instituted overly broad regulatory actions.
Originally published inThe Hill
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Press Release
SPPI Expresses Disappointment in Supreme Court Ruling Upholding CFPB Funding Structure
The Southwest Public Policy Institute warns that this decision will embolden regulatory overreach and drive consumer prices up.