Annual Percentage Rate (APR)
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Policy Brief
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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Policy Brief
The Need to Modernize Financial Literacy in Uncertain Economic Times
A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.
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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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Policy Brief
The Mortgage Bankers Association’s Reply Is the Real Joke
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
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Op-Ed
The Case Against 30-Year Mortgages
Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.
Originally published inThe Wall Street Journal
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Policy Brief
Why Alaska’s Senate Bill 39 Should Be Rejected: Lessons from New Mexico’s Failed Rate Cap
Alaska’s Senate Bill 39 (SB 39) proposes a 36% APR cap on consumer loans up to $25,000. The bill aims to regulate financial services, prevent “predatory” lending, and bring state laws in line with federal consumer…
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.