Skip to content
Southwest Public Policy Institute
  • Research
    • White papers
    • Policy briefs
    • Model legislation
    • Testimony & comments
    • Coalition letters
    • Litigation
    • Amicus briefs
    • All work
  • Issues
    • Consumer Finance
    • Insurance
    • Housing
    • Government Transparency & Accountability
    • Economic Opportunity
    • Energy, Environment & Natural Resources
    • Education Freedom & Reform
    • Health Care
    • Public Safety
  • Op-Eds
  • Newsroom
    • Press releases
    • In the news
    • TV & radio
    • SPPI-TV
  • Events
  • About
    • About SPPI
    • Staff
    • Board of Directors
    • Contact
Donate

Bankrate

American financial services company

  • All
  • Amicus Brief
  • Coalition Letter
  • Event
  • In the News
  • Litigation
  • Model Legislation
  • Op-Ed
  • Policy Brief
  • Press Release
  • SPPI-TV
  • Testimony & Comments
  • TV & Radio
  • White Paper
  • 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.

    Southwest Public Policy Institute  |  July 21, 2026

  • 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

    Patrick M. Brenner  |  July 8, 2026

  • Policy Brief

    Lip Service Masquerading as Credit Inclusivity

    When Wells Fargo first rolled out its Flex Loan program, it was heralded by advocates like The Pew Charitable Trusts as evidence that America’s largest banks were finally offering an “affordable” alternative to short-term credit products.…

  • Policy Brief

    The Price of Credit: How Rate Caps Hurt America’s Cash Poor

    “The road to hell is paved with good intentions.”

    Patrick M. Brenner  |  January 29, 2025

Southwest Public Policy Institute

202.505.1769  |  southwestpolicy.com  |  info@southwestpolicy.com

Post Office Box 1746  |  Bernalillo, NM 87004

Southwest Public Policy Institute  |  Better living through better policy

501(c)(3) nonprofit  |  EIN 88-2196936

Research

  • White papers
  • Policy briefs
  • Model legislation
  • Testimony & comments
  • Coalition letters
  • Litigation

Commentary

  • Op-eds
  • Press releases
  • In the news
  • TV & radio
  • SPPI-TV

Institute

  • About
  • Staff
  • Board of Directors
  • Events
  • Contact

Support

  • Donate
  • Champions
  • Newsletter

© 2026 Southwest Public Policy Institute

Privacy Policy

X  |  LinkedIn  |  Facebook  |  Instagram  |  YouTube