Arizona
state of the United States of America
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Op-Ed
Markets Are Sending a Message on Energy; Texas Should Listen
Natural gas prices across the Southwest tell a story no courtroom can dispute. Gas futures have remained below $3 per million BTU through August, settling at $2.69 in the day-ahead market as of early October. In…
Originally published inDC Journal
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Op-Ed
Sen. Richard Durbin’s Long-Term Love Affair With Price Controls
Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows…
Originally published inRealClearMarkets
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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
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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
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Policy Brief
Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap
Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Press Release
SPPI Applauds the Departure of CFPB Director Rohit Chopra
Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Press Release
SPPI Applauds Fate of FCC’s One-to-One Consent Rule: Stay and Eleventh Circuit Ruling
The FCC’s one-to-one consent rule would have disrupted vital industries, reduced access to services, and driven up costs.