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Albuquerque Journal: A state-run bank would put taxpayers on the hook for risky loans

A state-run public bank is a dangerous experiment in government overreach that will burden taxpayers, distort credit markets, and fail where private financial institutions succeed.

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RealClearMarkets: The Real World Intrudes On Sanders and Hawley’s Rate Cap

A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.

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Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

The Price of Credit: How Rate Caps Hurt America’s Cash Poor

“The road to hell is paved with good intentions.”

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SPPI to Testify in Alaska Against Consumer Credit Price Control Bills

The Southwest Public Policy Institute (SPPI) has been invited to provide expert testimony in the upcoming legislative sessions for Alaska House Bill 145 and Alaska Senate Bill 264, which will take place on April 30, 2024.

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More Nukes, Please

A new reactor serves ratepayers — but not here.

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Does the Mother Road Need Big Government?

Trait Thompson, executive director of the Oklahoma Historical Society, is now a member of the Route 66 Centennial Commission. Nominated by U.S. Sen. Mitch McConnell (R-KY), the bureaucrat joins representatives from Illinois, Missouri, Kansas, Texas, New Mexico, Arizona, California, and his home state whom The Swamp has tasked to “study and recommend in a report […]

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Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Press Progressivism Public Opinion Reports Top Issues Updates

Report: No Loan for You, Too!

The unintended consequences of price controls on consumer access to credit.

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We’re No. 17.5! We’re No. 17.5!

The latest research from the American Legislative Exchange Council offers more cause for optimism.

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Culture Domestic Policy Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty and Inequality Top Issues

American Banker: If I Can’t Get An ‘Emergency’ Loan From A Bank, It’s Not Clear Who Possibly Can

We tested the prediction that banks will step in when payday lenders face restrictions. They didn’t want our business.

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Mental Illness: RxP to the Rescue

The deregulation answer to inadequate access