Topic: Financial technology

technologies used in finance and the industry which produces these technologies

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Weakening Tri-Merge Would Make Housing Less Affordable

The Case Against 30-Year Mortgages The Wall Street Journal

Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.

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The CFPB’s Open Banking Mandate Is About to Break Rent

Open Banking Rent Consumer Financial Protection Bureau 1033 Rule

The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.

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SPPI Welcomes Silicon Valley Innovator Dain Ehring to Board of Directors

Dain Ehring Joins SPPI 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 years of experience driving innovation in technology, financial services, and digital ecosystems. As CEO of DAIN ALLEN LLC, he manages strategic […]

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Out of One, Many

From One, Many: The Consumer Financial Protection Bureau office in Washington, D.C., symbolizing the shift from a single federal regulator to dozens of state attorneys general acting as mini-CFPBs.
The Consumer Financial Protection Bureau headquarters in Washington, D.C. — once the central regulator of financial services, now overshadowed by a growing patchwork of state attorneys general enforcement.

Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.

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

Alaska Price Control Rate Cap Bill Veto

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

Paying bills is harder thanks to the Consumer Financial Protection Bureau CFPB

The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.

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Report: Swipe Right

Swipe Right Lead Generators Comparison Shopping Tools Rohit Chopra Consumer Financial Protection Bureau CFPB

How comparison shopping tools and lead generators revolutionize consumer access to products and services.

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Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap

Price Controls Arizona Credit Card Interchange Fees
Price Controls Arizona Credit Card Interchange Fees

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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SPPI Applauds the Departure of CFPB Director Rohit Chopra

Rohit Chopra Fired Terminated Donald Trump CFPB
Rohit Chopra during a Senate Banking, Housing, and Urban Affairs Committee hearing in Washington, DC, on December 11, 2024. Al Drago, Bloomberg, Getty Images

Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.

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Is Elon Musk Serious with his “Delete CFPB” Tweet?

Elon Musk Calls to Delete the Consumer Financial Protection Bureau CFPB

In a late-night post on his social media platform X, billionaire entrepreneur and incoming Department of Government Efficiency head Elon Musk made a bold declaration: “Delete CFPB. There are too many duplicative regulatory agencies.” Musk’s succinct yet striking comment has ignited a vital debate about the role and efficacy of the Consumer Financial Protection Bureau […]