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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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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.

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Conclusion of Alaskan Legislative Session: Victory for Alaskan Consumers

The Southwest Public Policy Institute applauds the Alaskan Senate Finance Committee’s decision to not advance House Bill 145 and Senate Bill 264, ensuring continued consumer access to diverse emergency credit options.

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SPPI to Testify in Alaska Against Consumer Credit Price Control Bills

The Southwest Public Policy Institute (SPPI) has been invited to provide expert testimony in the upcoming legislative sessions for Alaska House Bill 145 and Alaska Senate Bill 264, which will take place on April 30, 2024.

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American Banker: CFPB’s latest overreach threatens to nationalize consumer finance

Originally published at americanbanker.com on March 15, 2024. In a bold move that may reshape the U.S. consumer finance landscape, Rohit Chopra’s Consumer Financial Protection Bureau has issued Consumer Financial Protection Circular 2024-01, marking a significant overreach into how Americans access financial services. This circular scrutinizes digital intermediaries, such as comparison-shopping tools and lead generators, dictating […]

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Report: 58 is the New 62

Rethinking American Retirement and Social Security

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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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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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Fox News: Hit the brakes on Elizabeth Warren’s beleaguered bureaucracy

If the CFPB is watching financial institutions for bad behavior, who’s watching the CFPB?

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Wake Gardner Chosen as Recipient of the Marianne T. Anderson Memorial Fellowship

The latest recipient of the Marianne T. Anderson Memorial Fellowship has been announced.