Americans
citizens and nationals of the United States of America
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Op-Ed
What Does a Pizza Have to Do With a Loan?
I was reading about Linney’s Pizza v. Board of Governors of the Federal Reserve System, a case involving a Kentucky pizza shop and the fees merchants pay on debit-card transactions, and it got me thinking about…
Originally published inDC Journal
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In the News
SPPI in the Spotlight: Exposing Opioid Settlement Secrecy, Regulatory Overreach, and Real Estate Trap Doors
How SPPI is driving transparency, market competition, and accountability in public policy.
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Op-Ed
Zillow traps buyers into overpriced mortgages, and it’s costing Americans $65 billion annually
Americans who bought homes since 2022 now collectively pay an estimated $65 billion annually in avoidable mortgage costs. That figure, published in new Bankrate research based on 3.2 million mortgage originations tracked in federal housing data…
Originally published inWashington Examiner
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Op-Ed
Instead of Taxing the Rich, Let Americans Invest Like Them
America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.
Originally published inNational Review
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Op-Ed
Global carbon accounting lets unelected foreign-led NGOs pick winners and losers
Americans are increasingly being governed by rules they never voted for, written by people they will never elect, and enforced through systems they cannot challenge. Foreign-led institutions are effectively controlling U.S. domestic environmental policy. Behind the…
Originally published inWashington Examiner
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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
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Policy Brief
Housing Shock: The Cost of Investor Ownership Bans
A prohibition on institutional investors could destabilize housing markets, but a targeted exemption can protect homeowners and renters.