financial regulation
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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
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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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Amicus Brief
SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
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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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Policy Brief
The Real Story Behind What’s “Inside” Your 401(k)
Why collective investment trusts deliver lower costs without sacrificing fiduciary protections.
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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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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?