Better living through better policy.

Tag: Free Market Policy

National Review: Sue-Pervised Retirement

Post author By Patrick M. Brenner
Post date March 1, 2026
No Comments on National Review: Sue-Pervised Retirement

Rampant litigation against 401(k) sponsors is narrowing employees’ investment choices and eroding their retirement wealth.

Tags 401(k) Plans, Alternative Assets, American Retirement Crisis, American Workers Retirement, Capital Formation, Class Action Litigation, Congressional Tort Reform, Defined Benefit Pension Decline, Defined Contribution Plans, Democratizing Investment Access, Department Of Labor Regulation, Employee Retirement Income Security Act, Employer Sponsored Retirement Plans, ERISA Fiduciary Duty, ERISA Litigation, Excessive Fee Lawsuits, Fiduciary Liability, Financial Inclusivity, Financial Independence, Financial Policy Analysis, Financial Regulation Reform, Free Market Policy, Free Market Retirement Solutions, Hughes v. Northwestern, Illiquidity Premium, Institutional Investing Advantage, Investment Diversification, Investment Menu Diversity, Investment Policy Debate, Investment Regulation, Judicial Paternalism, Labor Department Rulemaking, Long Term Investing, Long Term Wealth Building, National Review Op Ed, Patrick M Brenner, Pension Fund Investing, Private Credit Investments, Private Equity Investing, Private Markets Access, Private Retirement Accounts, Public vs Private Markets, Retirement Economics, Retirement Investment Choice, Retirement Investment Freedom, Retirement Investment Innovation, Retirement Litigation Risk, Retirement Ownership, Retirement Plan Sponsors, Retirement Planning In America, Retirement Policy, Retirement Policy Reform, Retirement Portfolio Allocation, Retirement Reform, Retirement Safe Harbor Rules, Retirement Savings, Retirement Savings Shortfall, Retirement Security, Retirement System Reform, Retirement System Sustainability, Retirement Wealth Creation, Retirement Wealth Gap, Revenue Act Of 1978, Social Security Act Of 1935, Social Security Insolvency, Southwest Public Policy Institute, Target Date Funds, Tibble v. Edison, Trial Attorney Incentives, Trial Lawyer Litigation, Tussey v. ABB, University Endowment Investing, Wealth Accumulation

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Life Markets and Finance Missouri Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Taxes Top Issues Updates

SPPI Joins National Coalition Calling on Missouri to Modernize Its Tax System

Post author By Patrick M. Brenner
Post date January 6, 2026
No Comments on SPPI Joins National Coalition Calling on Missouri to Modernize Its Tax System

Coalition backs Governor Kehoe’s effort to modernize Missouri’s tax code.

Tags Americans For Prosperity, Better Living Through Better Policy, Coalition Letter, Competitive Enterprise Institute, Economic Freedom, Economic Growth Policy, Fiscal Policy Reform, Free Market Policy, Government Waste Reduction, Governor Mike Kehoe, Income Tax Elimination, Income Tax Phase Out, Market Driven Policy, Missouri Legislature, Missouri Promise, Missouri Tax Code, Missouri Tax Reform, National Policy Coalition, National Taxpayers Union, Outdated Tax System Reform, Pro Business Policy, Pro Growth Tax Policy, Public Policy Institute, Southwest Public Policy Institute (SPPI), State Tax Reform, Tax Burden Reduction, Tax Modernization, Tax Policy Reform, Tax Reform Coalition, Taxpayer Advocacy, Taxpayer Protection

Budget and Spending Conservatism Courts Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Housing Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Progressivism Public Opinion Reports Technology Top Issues Updates

Report: 1033 Error, Rule Not Sound

Post author By Southwest Public Policy Institute
Post date November 24, 2025
2 Comments on Report: 1033 Error, Rule Not Sound

The CFPB’s open-banking mandate endangers consumers.

Tags Application Programming Interfaces (APIs), Authorized Third Parties, Banks And Credit Unions, Chevron Deference, Comparison Shopping Tools, Consumer Data Access, Consumer Financial Protection Bureau (CFPB), Consumer Protection Policy, Credit Karma, Cybersecurity Risks, Data Breach Risks, Data Governance, Data Monetization, Data Portability, Data Privacy Frameworks, Data Security, Data Sharing Agreements, Digital Financial Platforms, Dodd-Frank Act, Economic Freedom, Federal Court Injunction, Financial Compliance, Financial Data Aggregators, Financial Data Ecosystem, Financial Data Exchange (FDX), Financial Fraud Prevention, Financial Innovation, Financial Institutions, Financial Market Stability, Financial Privacy, Financial Regulation Reform, Financial Services Policy, financial technology, Financial Transparency, Fintech Regulation, Free Market Policy, Gramm-Leach-Bliley Act (GLBA), Lead Generators, Lending Tree, Liability Asymmetry, Loper Bright Decision, Major Questions Doctrine, Market-Based Innovation, Meta Fraud Report, National Security Risks, NerdWallet, Open Banking, Personal Financial Data Rights Rule, Plaid Data Connections, Price Controls, Regulatory Compliance, Regulatory Overreach, Rohit Chopra, Screen Scraping, Section 1033, Statutory Authority Limits, Third-Party Data Access, Trump Administration Rulemaking, Voluntary Industry Standards

Conservatism Domestic Policy Economic Opportunity Economy Government Regulation Markets and Finance Political Thought Press Top Issues Transparency Updates

Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking

Post author By Patrick M. Brenner
Post date October 23, 2025
1 Comment on Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking

Congress must update the Bank Secrecy Act for the 21st century…

Alaska Conservatism Domestic Policy Economic Opportunity Economy Government Regulation Illinois Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

Post author By Patrick M. Brenner
Post date August 26, 2025
No Comments on Anchorage Daily News: 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.

Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion State Top Issues Updates

Out of One, Many

The Consumer Financial Protection Bureau headquarters in Washington, D.C. — once the central regulator of financial services, now overshadowed by a growing patchwork of state attorneys general enforcement.

Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.

Tags Alternative Finance, Banking Compliance, Business Compliance Strategy, CFPB, Compliance Burden, Consumer Financial Protection, Consumer Protection, Consumer Rights, credit access, Credit Reporting Laws, Deregulation, economic liberty, FAIR Business Practices Act, Federal Deregulation, financial inclusion, Financial Regulatory Landscape, Financial Risk Management, Financial Services Regulation, Financial Transparency, Fintech Regulation, Free Market Policy, Junk Fee Laws, Legal Risk For Banks, Lending Restrictions, Market Innovation, Medical Debt Reporting, Merchant Cash Advance Regulation, Multi State Regulation, New York Attorney General, Payments Fraud, Peer To Peer Payments, Policy Analysis, Price Controls, Regulatory Compliance Challenges, Regulatory Patchwork, Small Business Finance, Southwest Public Policy Institute, State Attorneys General, State Consumer Laws, State Level Enforcement, State Versus Federal Regulation, Zelle Lawsuit