Better living through better policy.

Tag: Lending Standards

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

Washington Post: Mortgage rates just fell below a crucial psychological threshold

Post author By Patrick M. Brenner
Post date March 14, 2026
No Comments on Washington Post: 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.

Tags 30-Year Fixed Mortgage, American Housing Market, Annual Percentage Rate, APR, Asset Ownership, Auto Loans, Banking Regulation, Buy Now Pay Later, Charm Pricing, Consumer Credit, Consumer Finance, Consumer Psychology, Cost Of Borrowing, Credit Cards, Credit Markets, Credit Transparency, Debt Culture, Depository Institutions Deregulation And Monetary Control Act, Economic Behavior, Economic Perception, Financial Deregulation, Financial Disclosure, Financial Literacy, Financial Markets, financial regulation, Home Buying, Household Debt, Housing Affordability, Housing Demand, Housing Economics, Housing Finance, Housing Market, Housing Policy, Interest Rate Exportation, Interest Rate Perception, Interest Rate Psychology, Lending Regulation, Lending Standards, Lending Transparency, Loan Pricing, Marquette National Bank v. First Of Omaha Service Corp, Monthly Payments, Mortgage Advertising, Mortgage Economics, Mortgage Industry, Mortgage Interest Rates, Mortgage Marketing, Mortgage Policy, Mortgage Rate Threshold, Mortgage Rates, Mortgage Refinance, Mortgage Sentiment, Patrick M Brenner, Payday Loans, Personal Finance, Psychological Pricing, Real Estate Finance, Southwest Public Policy Institute, Subscription Economy, Total Loan Repayment, Truth In Lending Act, U.S. Household Debt, Washington Post Opinion

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

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
1 Comment 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