credit access
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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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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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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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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
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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 Death Knell for Elizabeth Warren’s CFPB
Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime
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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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Policy Brief
Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.