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

The Southwest Public Policy Institute Proudly Presents: The Economic Dunce Award

For exceptional achievement in ignoring market realities and promoting policies that backfire spectacularly.

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

Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme

Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.

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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Health Care Legal and Judicial Life Markets and Finance Medicaid Medicare New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.

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

Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill

The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.

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Alaska Conservatism 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 Technology Top Issues Updates

RealClearMarkets: The CFPB Is Making It Harder For You To Pay Your Bills

The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.