A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.
Tag: Lending
Musk’s declaration marks a defining victory for the Southwest Public Policy Institute, affirming our relentless efforts to expose and dismantle the CFPB.
Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
“The road to hell is paved with good intentions.”
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Banking on Failure: House Bill 130’s Public Bank Will Deepen New Mexico’s Credit Crisis
A public bank is a forced gamble with taxpayer dollars that ignores market realities, mandates risky lending, and risks compounding the damage caused by the artificial credit crisis created by New Mexico’s interest rate cap.
SPPI heads to Las Vegas for the Online Lenders Alliance’s annual Tribal Lending Conference to connect with industry leaders and tackle the future of financial services.
We are excited to announce that Patrick M. Brenner, President of the Southwest Public Policy Institute (SPPI), will be attending this year’s Lend360 conference in Nashville! As one of the leading voices in financial services policy, Patrick will be on-site to discuss SPPI’s latest groundbreaking research advocating for the online lending industry. At SPPI, we […]
The recent “upgrade” to GovLoans.gov has turned into a major security risk, with antivirus alerts flagging the official site as potentially malicious.
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.