Topic: Consumer credit

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Real Clear Markets: Credit Card Rate Caps Will Lead To a Shortage of Credit Cards

Why a national credit card rate cap would shrink access and worsen inequality.

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DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Tariffs and credit price controls are squeezing American families From both sides.

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Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Illinois Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

Buried in Bias

The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.

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Compounding Interest: Reader Replies, Part III

The responses to my article for The Wall Street Journal “The Case Against 30-Year Mortgages” keep coming… They’re thoughtful, challenging, and occasionally humbling. What started as a critique of an outdated lending standard has evolved into a larger conversation about financial literacy, honesty in measurement, and the way we misunderstand the true cost of money. […]

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RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Originally published at realclearmarkets.com on September 22, 2025. 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 with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]

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Victory for Alaskans: Governor Mike Dunleavy Vetoes Harmful Price Control Bill

The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.

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RealClearMarkets: The CFPB Is Making It Harder For You To Pay Your Bills

The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.

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Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators

National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.

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Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39

Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted to the Senate Labor and Commerce Committee before the bill was advanced to the Senate Finance Committee. This legislation […]

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American Banker: President-elect Trump should declare a ceasefire in the war on credit

Under the Biden administration, a trio of regulatory agencies have teamed up to limit consumers' access to credit, says Southwest Public Policy Institute's Patrick M. Brenner. Ting Shen/Bloomberg

Originally published at americanbanker.com on December 5, 2024. Thought exercise: What would your life look like without access to credit? No credit cards, no buying a house or vehicle without cash on hand and no access to something as simple as overdraft protection tied to a debit card. For most people, that would be somewhere between […]

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