No Loan For You!
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Policy Brief
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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Testimony & Comments
Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39
Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted…
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Policy Brief
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.
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Policy Brief
FDIC’s Unbanked and Underbanked Households
SPPI’s reports, OLA’s studies, and the FDIC’s findings highlight the urgent need to protect credit access for unbanked and underbanked households.
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Event
Swipe Right at Lend360: A Look at the Latest Research
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,…
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Policy Brief
A “Revamp” Gone Wrong: GovLoans.gov Is No Longer Safe
The recent “upgrade” to GovLoans.gov has turned into a major security risk, with antivirus alerts flagging the official site as potentially malicious.
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
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Press Release
SPPI Expresses Disappointment in Supreme Court Ruling Upholding CFPB Funding Structure
The Southwest Public Policy Institute warns that this decision will embolden regulatory overreach and drive consumer prices up.