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    Victory in Colorado: HB25-1282 Defeated

    A harmful swipe fee price control bill was defeated in the Senate after passing the House, marking a major victory for economic freedom.

    Southwest Public Policy Institute  |  April 30, 2025

  • Op-Ed

    Credit card rewards are about to vanish, and guess who’s to blame?

    This isn’t just about miles and points; it’s about economic freedom and financial choice.

    Originally published inFox Business

    Patrick M. Brenner  |  April 4, 2025

  • Op-Ed

    Death by a thousand caps—State laws could kill credit card rewards

    A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.

    Originally published inAmerican Banker

    Patrick M. Brenner  |  March 28, 2025

  • Policy Brief

    Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

    Colorado’s interchange swipe fee cap will ultimately harm small businesses, drive up banking costs, and gut credit card rewards.

    Patrick M. Brenner  |  March 24, 2025

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