financial inclusion
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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
Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking
Congress must update the Bank Secrecy Act for the 21st century…
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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.
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Policy Brief
The Real Cost of Homeownership: Beyond the Mortgage and APR
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on…
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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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Policy Brief
Out of One, Many
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
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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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Op-Ed
The CFPB Is Making It Harder For You To Pay Your Bills
The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.
Originally published inRealClearMarkets
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Policy Brief
An Overdue Course Correction at the CFPB
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.
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In the News
Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators
National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.