Better living through better policy.

Tag: Market Distortion

Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Post author By Patrick M. Brenner
Post date December 25, 2025
No Comments on Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.

Tags Affordability Crisis, Banking Policy, Constitutional Law, Consumer Credit Policy, Corner Post Lawsuit, Court Of Appeals, credit access, Credit Availability, Credit Markets, Credit Redistribution, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Access, Economic Policy, Electronic Payments, Federal Reserve, Federal Reserve Board, Fifth Amendment Takings, financial inclusion, financial regulation, Financial Stability, Fraud Prevention, Household Finance, Interchange Fees, Interest Rate Caps, Lending Restrictions, Market Distortion, National Economic Impact, New York Fed Study, No Loan For You, Payment Infrastructure, Price Controls, Prime Borrowers, Public Policy Analysis, Regulatory Policy, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Swipe Right, Unbanked Consumers, Underbanked Consumers

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

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

Buried in Bias

Post author By Southwest Public Policy Institute
Post date December 12, 2025
1 Comment on Buried in Bias

The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.

Tags Alternative Financial Services, Amortization Schedules, Annual Percentage Rate (APR), Banking Fees, Bolen Elliehausen Miller Study, Buried In Debt Report, Center for Responsible Lending (CRL), consumer choice, Consumer Credit Policy, Consumer Lending Research, Consumer Welfare, Cost Of Living Crisis, credit access, Credit Bureau Data, Credit Denial Rates, Credit Market Regulation, Credit Rationing, Credit Stacking, Credit Supply Constraints, Deep-Subprime Borrowers, Difference-In-Differences Analysis, Economic Opportunity, Evidence-Based Policymaking, Financial Hardship, financial inclusion, Financial Literacy, financial regulation, Financial Services Policy, Free Market Finance, Housing Cost Burden, Income Volatility, Interest Rate Caps, Loan Availability, Loan Disclosures, Market Distortion, Mortgage Finance, No Loan For You, No Loan For You!, Overdraft Fees, Payday Lending, Poverty And Inequality, Price Controls, Regulatory Economics, Regulatory Harm, Risk-Based Pricing, Selection Bias, Small-Dollar Credit Research, Small-Dollar Loans, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Substitute Financial Products, Survivorship Bias, Too!, Total Cost Of Credit, Usury Laws

Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Housing Markets and Finance Political Thought Poverty and Inequality Public Opinion Reader Replies Top Issues Transparency Updates

The Mortgage Bankers Association’s Reply Is the Real Joke

Post author By Patrick M. Brenner
Post date October 25, 2025
No Comments on The Mortgage Bankers Association’s Reply Is the Real Joke

Mortgage Bankers Association

The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.