Capping interest rates won’t create a fairer system.
Topic: Federal Reserve System
central banking system of the United States
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SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
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Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle
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?
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Report: The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused Case Against 30-Year Mortgages,” he argues that such loans are fully prepayable, giving homeowners flexibility to refinance or pay […]
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American Banker: 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.
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The CFPB’s Desperate Eleventh-Hour Overreach
Rohit Chopra is lashing out with desperate, partisan overreach in his final days, prioritizing political agendas over consumer protection while creating regulatory chaos and undermining the legitimacy of his tenure and that of the CFPB.
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Alaska Arizona Budget and Spending California Colorado Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Technology Texas The Constitution Top Issues Transparency Updates Utah
SPPI Expresses Disappointment in Supreme Court Ruling Upholding CFPB Funding Structure
The Southwest Public Policy Institute warns that this decision will embolden regulatory overreach and drive consumer prices up.