Debt
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Policy Brief
Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme
New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Policy Brief
Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap
Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Op-Ed
President-elect Trump should declare a ceasefire in the war on credit
Thought exercise: What would your life look like without access to credit? No credit cards, no buying a house or vehicle without cash on hand and no access to something as simple as overdraft protection tied…
Originally published inAmerican Banker
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Testimony & Comments
A Call for Prudent Consumer Credit Legislation in Alaska
Representing the Southwest Public Policy Institute, I recently had the opportunity to testify before the Alaska House Finance Committee and the Alaska Senate Community and Regional Affairs Committee regarding proposed legislation on consumer credit. The bills…
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Policy Brief
The Wells Fargo Flex Loan is Anything But Flexible
Wells Fargo’s Flex Loan program is a labyrinth of unclear eligibility requirements and a baffling case of vanishing funds.
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Op-Ed
A public bank could crowd out community-based financial institutions
The 2022 passage of House Bill 132, which set a stringent cap of 36% on interest rates for consumer loans, is having its intended and significant repercussions on New Mexico’s financial landscape. This was no accident:…
Originally published inAlbuquerque Journal
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Op-Ed
Excessive regulation is fueling a health care crisis in Utah
Recent research has shown that health care consolidations not only lower costs for health care consumers but also improve multiple indicators of quality patient care.
Originally published inDeseret News
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Op-Ed
The myth of big-bank small-dollar loans
In response to Fred Nathan’s (July 30) op-ed praising New Mexico’s efforts to end predatory lending, I must assert that the celebratory tone is premature and misguided. Two significant studies conducted by the Southwest Public Policy…
Originally published inAlbuquerque Journal