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Tag: Credit Rationing

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Real Clear Markets: Credit Card Rate Caps Will Lead To a Shortage of Credit Cards

Post author By Patrick M. Brenner
Post date January 19, 2026
No Comments on Real Clear Markets: 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.

Tags Affordability Crisis, Capital Allocation, Command Economy Policies, Consumer Credit Policy, Consumer Debt, Consumer Finance Research, Consumer Protection Policy, credit access, Credit Building, Credit Card Accounts, Credit Card Interest Rates, Credit Card Limits, Credit Card Rate Caps, Credit Card Regulation, Credit Card Rewards Programs, Credit Contraction, Credit Market Infrastructure, Credit Markets, Credit Rationing, Credit Underwriting, Digital Payments, Donald Trump Economic Policy, Economic Freedom, Economic Inequality, Economic Policy Analysis, Federal Reserve Bank Of New York, financial inclusion, Financial Mobility, financial regulation, Financial Risk Pricing, Financial Stability, Fraud Protection, Free Market Economics, Household Debt, Household Finance, Housing Affordability, Inflation And Cost Of Living, Interest Rate Caps, Lending Standards, Market Distortions, Milton Friedman, Monetary Policy, National Interest Rate Cap, Online Commerce, Patrick M. Brenner, Payment Systems, Price Controls, Prime Borrowers, Regulatory Overreach, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Temporary Government Programs, Trump Credit Card Proposal

Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Illinois Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Buried in Bias

Post author By Southwest Public Policy Institute
Post date December 12, 2025
1 Comment on Buried in Bias

The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.

Tags Alternative Financial Services, Amortization Schedules, Annual Percentage Rate (APR), Banking Fees, Bolen Elliehausen Miller Study, Buried In Debt Report, Center for Responsible Lending (CRL), consumer choice, Consumer Credit Policy, Consumer Lending Research, Consumer Welfare, Cost Of Living Crisis, credit access, Credit Bureau Data, Credit Denial Rates, Credit Market Regulation, Credit Rationing, Credit Stacking, Credit Supply Constraints, Deep-Subprime Borrowers, Difference-In-Differences Analysis, Economic Opportunity, Evidence-Based Policymaking, Financial Hardship, financial inclusion, Financial Literacy, financial regulation, Financial Services Policy, Free Market Finance, Housing Cost Burden, Income Volatility, Interest Rate Caps, Loan Availability, Loan Disclosures, Market Distortion, Mortgage Finance, No Loan For You, No Loan For You!, Overdraft Fees, Payday Lending, Poverty And Inequality, Price Controls, Regulatory Economics, Regulatory Harm, Risk-Based Pricing, Selection Bias, Small-Dollar Credit Research, Small-Dollar Loans, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Substitute Financial Products, Survivorship Bias, Too!, Total Cost Of Credit, Usury Laws

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