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  • White Paper
  • White Paper No. 15

    The Other Side of the Parchment

    What a Manhattan Larceny Trial Reveals About the Boundary McCarran-Ferguson Never Drew

    Patrick M. Brenner and Gregory A. Schroeder  |  October 10, 2026

  • TV & Radio

    Why Single-Family Rentals Matter for Las Vegas Workers

    Patrick M. Brenner tells Kevin Wall and Jim Dallas why single-family rentals matter to a Las Vegas workforce that runs around the clock, and why capping investor purchases would leave renters with fewer choices.

    Aired onAM 670 KMZQLive & Local with Kevin Wall

    Patrick M. Brenner  |  September 30, 2026

  • White Paper No. 12

    Oklahoma’s Parchment Guarantee

    Two Oklahoma statutes point in opposite directions for a captive risk retention group, and seven years of enforcement built on the one a court later rejected still has not answered whether the company can pay its…

    Patrick M. Brenner and Gregory A. Schroeder  |  September 27, 2026

  • In the News

    SPPI in the News

    August coverage spanning insurance regulation, debit interchange, employee ownership, and how New Mexico policy affects national policy.

    Southwest Public Policy Institute  |  August 30, 2026

  • Op-Ed

    How Did a Nonprofit Become America’s Insurance Regulator?

    States have surrendered much of their power to a private organization with almost no transparency.

    Originally published inThe Wall Street Journal

    Patrick M. Brenner  |  August 28, 2026

  • Model Legislation

    NAIC Transparency and Accountability Act

    Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.

    Patrick M. Brenner  |  August 28, 2026

  • Policy Brief

    Regulation Without Disclosure

    What the GAO’s review of the NAIC means for insurance consumers.

    Patrick M. Brenner  |  July 29, 2026

  • Op-Ed

    Instead of Taxing the Rich, Let Americans Invest Like Them

    America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.

    Originally published inNational Review

    Patrick M. Brenner  |  May 19, 2026

  • Op-Ed

    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.

    Originally published inAmerican Banker

    Patrick M. Brenner  |  March 28, 2025

  • Policy Brief

    Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme

    New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.

    Patrick M. Brenner  |  February 28, 2025

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