Better living through better policy.

Tag: Household Debt

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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

Budget and Spending Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Education Education Freedom and Reform Government Regulation Government Spending Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Santa Fe New Mexican: Let’s reimagine financial literacy education

Post author By Lucas J. Parker
Post date December 25, 2025
1 Comment on Santa Fe New Mexican: Let’s reimagine financial literacy education

We need to modernize how financial literacy is taught entirely.

Tags APR Education, Compounding Interest, Consumer Finance, credit access, Credit Card Debt, Credit Scores, Debt Management, Economic Education, Economic Opportunity, Education Policy, Education Reform, Financial Curriculum Modernization, Financial Decision Making, Financial Empowerment, Financial Literacy, Financial Literacy Legislation, Financial Literacy Reform, Financial Responsibility, Financial Wellbeing, Gen Z Debt, HB 171, High School Financial Literacy, Household Debt, Interest Rates, Mortgage Education, New Mexico Education, New Mexico Policy, New Mexico Schools, Personal Finance Education, Real World Finance Skills, Responsible Borrowing, Southwest Public Policy Institute (SPPI), Student Debt, Youth Financial Education

Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Trade Updates

DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Post author By Lucas J. Parker
Post date December 15, 2025
1 Comment on DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Tariffs and credit price controls are squeezing American families From both sides.

Tags Bipartisan Policy Failure, BNPL Loans, Buy Now Pay Later, Consumer Credit, Consumer Finance, Consumer Prices, Consumption Tax, Cost Of Credit, Cost Of Living, credit access, Credit Availability, Credit Card Debt, Credit Markets, Credit Shortages, Debt Reliance, Economic Freedom, Economic Growth, Economic Policy, Federal Policy, Financial Inclusivity, Financial Literacy, financial regulation, Financial Stability, Free Market Economics, Government Intervention, Hidden Taxes, Household Debt, Inflation, Inflationary Pressure, Interest Rate Caps, Lending Caps, Lending Regulation, Market Distortion, Market-Based Solutions, Middle-Class Households, Personal Finance, Populism, Price Controls, Regressive Taxes, Regulatory Overreach, Small Loan Lending, Small-Dollar Loans, Stagflation, Subprime Credit, Tariffs, Trade Policy, Trade War, Working-Class Families

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