How SPPI is driving transparency, market competition, and accountability in public policy.
Topic: Consumer protection
efforts and measures intended to protect consumers of goods or services against unfair practices in the marketplace
Originally published at thehill.com on May 27, 2026. Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That is what happened to Spirit. Now, just as travelers are watching […]
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In the News: National Media and Policy Leaders Highlight SPPI
National media, policy leaders, and regional voices alike are amplifying SPPI’s research, analysis, and solutions.
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
The Southwest Public Policy Institute (SPPI) is proud to announce that Dain Ehring, a nationally recognized technology entrepreneur and pioneer in financial and digital innovation, has joined its Board of Directors. Mr. Ehring has over 40 years of experience driving innovation in technology, financial services, and digital ecosystems. As CEO of DAIN ALLEN LLC, he manages strategic […]
A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.
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Report: 1033 Error, Rule Not Sound
The CFPB’s open-banking mandate endangers consumers.
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The Death Knell for Elizabeth Warren’s CFPB
Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime
The Southwest Public Policy Institute (SPPI) has filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding the loan-sharking lending practices of former State Representative Tara Jaramillo and her company, Positive Outcomes, Inc. The action follows years of inaction by New Mexico Attorney General Raúl Torrez and other state agencies, despite overwhelming evidence […]
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. Bankrate’s own review of the Flex Loan paints a favorable picture, touting fast approval, lower fees than payday loans, […]