Consumer Finance
Credit access, rate caps, the CFPB, banking, payments and retirement savings.
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Op-Ed
The dangers of credit card populism
Capping interest rates won’t create a fairer system.
Originally published inThe Washington Times
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Policy Brief
Weakening Tri-Merge Would Make Housing Less Affordable
Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.
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Policy Brief
Fiduciary Standards Start With Transparency
The loudest voices demanding “fiduciary purity” in America’s retirement debate are often the least willing to submit themselves to basic public scrutiny. That contradiction is now impossible to ignore. This week, the Pinpoint Policy Institute filed…
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Op-Ed
Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
Originally published inRealClearMarkets
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Amicus Brief
SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
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Op-Ed
Let’s reimagine financial literacy education
We need to modernize how financial literacy is taught entirely.
Originally published inSanta Fe New Mexican
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In the News
National Media and Policy Leaders Highlight SPPI
National media, policy leaders, and regional voices alike are amplifying SPPI’s research, analysis, and solutions.
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Policy Brief
Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle
Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.
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Policy Brief
The Real Story Behind What’s “Inside” Your 401(k)
Why collective investment trusts deliver lower costs without sacrificing fiduciary protections.
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Op-Ed
Trump’s Tariffs Are Changing How Consumers Use Credit
Tariffs and credit price controls are squeezing American families From both sides.
Originally published inDC Journal