Better living through better policy.

Tag: Housing Affordability

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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

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Housing Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

Post author By Patrick M. Brenner
Post date November 17, 2025
No Comments on Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

50-year loan terms would triple total debt while government regulations continue driving up building costs

Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Housing Infrastructure & Technology Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Reports Top Issues Transparency Updates

Report: The Case Against 50-Year Mortgages

Post author By Southwest Public Policy Institute
Post date November 8, 2025
2 Comments on Report: The Case Against 50-Year Mortgages

How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?

Tags 50-Year Mortgage, Abrazos Homes, Affordable Housing, Annual Percentage Rate (APR), Bill Pulte, Building Permits, Central Planning, Construction Costs, Consumer Price Index (CPI), Donald Trump, Economic Policy, Fannie Mae, Federal Housing Administration (FHA), Federal Reserve, financial regulation, Freddie Mac, Government Subsidies, Home Builders, Homeownership, Housing Affordability, Housing Policy, Housing Supply, Immigration Policy, Inflation, Jerome Powell, Mackenzie Bishop, Mortgage Market, Mortgage Rates, Mortgage-Backed Securities (MBS), Patrick M. Brenner, Property Taxes, Real Estate Market, Red Tape, Skilled Trades, Southwest Public Policy Institute (SPPI), Sticky Inflation, Tariffs, The Wall Street Journal (WSJ), Truth in Lending Act (TILA), Zoning Reform

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

The Wall Street Journal: The Case Against 30-Year Mortgages

Post author By Patrick M. Brenner
Post date November 8, 2025
1 Comment on The Wall Street Journal: The Case Against 30-Year Mortgages

Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.

Tags 30-Year Mortgage, 50-Year Mortgage, American Dream, Amortization, Annual Percentage Rate (APR), Central Planning, Consumer Financial Protection Bureau (CFPB), Department of Veterans Affairs (VA), Economic Policy, Fannie Mae, Federal Housing Administration (FHA), Federal Reserve, financial regulation, Freddie Mac, GI Bill, Government Subsidies, Home Owners’ Loan Corporation (HOLC), Homeownership, Housing Affordability, Housing Finance, Housing Policy, Housing Prices, Inflation, Lending Reform, Millennials, Mortgage Interest, Mortgage Rates, Mortgage-Backed Securities (MBS), Patrick M. Brenner, Real Estate Market, Southwest Public Policy Institute (SPPI), The Wall Street Journal (WSJ), Truth in Lending Act (TILA)

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