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Domestic Policy Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Poverty and Inequality Public Opinion The Center for Economic Opportunity Top Issues

The Wells Fargo Flex Loan is Anything But Flexible

Wells Fargo’s Flex Loan program is a labyrinth of unclear eligibility requirements and a baffling case of vanishing funds.

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Domestic Policy Economy Government Regulation Legal and Judicial Markets and Finance New Mexico Political Thought Poverty and Inequality The Center for Economic Opportunity Top Issues

Albuquerque Journal: A public bank could crowd out community-based financial institutions

The 2022 passage of House Bill 132, which set a stringent cap of 36% on interest rates for consumer loans, is having its intended and significant repercussions on New Mexico’s financial landscape. This was no accident: by restricting the interest rates that small-dollar lenders can charge, the rate cap effectively marginalized an entire segment of […]

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Domestic Policy Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Poverty and Inequality Public Opinion The Center for Economic Opportunity Top Issues Updates

Albuquerque Journal: The myth of big-bank small-dollar loans

In response to Fred Nathan’s (July 30) op-ed praising New Mexico’s efforts to end predatory lending, I must assert that the celebratory tone is premature and misguided. Two significant studies conducted by the Southwest Public Policy Institute — “No Loan For You!” published in March 2023 and “No Loan For You, Too!” published in June […]

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Conservatism Culture Domestic Policy Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Reports The Center for Economic Opportunity Top Issues Updates

Report: No Loan for You, Too!

The unintended consequences of price controls on consumer access to credit.

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Conservatism Culture Domestic Policy Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Reports The Center for Economic Opportunity Top Issues Updates

Report: No Loan for You!

How the war on specialized emergency loans has hurt New Mexicans.