Financial technology
technologies used in finance and the industry which produces these technologies
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Op-Ed
There’s No Such Thing as Free Data
The government should allow banks and software companies to negotiate the price of financial data freely.
Originally published inNational Review
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Policy Brief
Weakening Tri-Merge Would Make Housing Less Affordable
Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.
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Press Release
SPPI Welcomes Silicon Valley Innovator Dain Ehring to Board of Directors
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…
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Press Release
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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Op-Ed
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The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.
Originally published inRealClearMarkets
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Policy Brief
Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap
Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Policy Brief
FDIC’s Unbanked and Underbanked Households
SPPI’s reports, OLA’s studies, and the FDIC’s findings highlight the urgent need to protect credit access for unbanked and underbanked households.
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Policy Brief
The CFPB Attacks SoLo Funds
The Consumer Financial Protection Bureau (CFPB) has attacked SoLo Funds, the nation’s largest consumer-facing Black-led and owned fintech.