New Mexico
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Op-Ed
Out of One, Many
As CFPB retreats, the new danger is a jumble of state-level mandates.
Originally published inAmerican Banker
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Op-Ed
How payday loan restrictions can hurt the people they’re meant to help
Good intentions don’t pay the bills. But choice, transparency, and access can.
Originally published inAnchorage Daily News
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Press Release
SPPI Welcomes Zachary Fort to Board of Directors
The Southwest Public Policy Institute (SPPI) is proud to announce the unanimous appointment of Zachary Fort to its Board of Directors during the Institute’s quarterly board meeting held Monday, August 11th. Fort’s appointment comes as SPPI…
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Press Release
The Southwest Public Policy Institute Proudly Presents: The Economic Dunce Award
For exceptional achievement in ignoring market realities and promoting policies that backfire spectacularly.
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Policy Brief
Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme
Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.
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In the News
‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo
Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
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Press Release
Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill
The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.
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In the News
Albuquerque Journal Covers SPPI’s Legal Victory in Public Records Lawsuit
The victory guarantees access to public vehicle data to investigate the impact of EV mandates on vulnerable communities.