Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
central banking system of the United States
Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
For Immediate ReleaseJune 18, 2026 [email protected] Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in the U.S. District Court for the Eastern District of Kentucky for the case Linney’s Pizza v. Board of Governors […]
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Capping interest rates won’t create a fairer system.
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.
50-year loan terms would triple total debt while government regulations continue driving up building costs
Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?