Topic: Illinois

state of the United States of America

DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Post author By Lucas J. Parker
Post date December 15, 2025
1 Comment on DC Journal: Trump’s Tariffs Are Changing How Consumers Use Credit

Tariffs and credit price controls are squeezing American families From both sides.

Tags Bipartisan Policy Failure, BNPL Loans, Buy Now Pay Later, Consumer Credit, Consumer Finance, Consumer Prices, Consumption Tax, Cost Of Credit, Cost Of Living, credit access, Credit Availability, Credit Card Debt, Credit Markets, Credit Shortages, Debt Reliance, Economic Freedom, Economic Growth, Economic Policy, Federal Policy, Financial Inclusivity, Financial Literacy, financial regulation, Financial Stability, Free Market Economics, Government Intervention, Hidden Taxes, Household Debt, Inflation, Inflationary Pressure, Interest Rate Caps, Lending Caps, Lending Regulation, Market Distortion, Market-Based Solutions, Middle-Class Households, Personal Finance, Populism, Price Controls, Regressive Taxes, Regulatory Overreach, Small Loan Lending, Small-Dollar Loans, Stagflation, Subprime Credit, Tariffs, Trade Policy, Trade War, Working-Class Families

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

The Death Knell for Elizabeth Warren’s CFPB

Post author By Patrick M. Brenner
Post date November 19, 2025
No Comments on The Death Knell for Elizabeth Warren’s CFPB

Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime

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

RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Post author By Patrick M. Brenner
Post date September 25, 2025
No Comments on RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Originally published at realclearmarkets.com on September 22, 2025. Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]

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

The Hill: Why senators’ efforts to kill overdraft fees is overkill

Post author By Patrick M. Brenner
Post date September 11, 2025
1 Comment on The Hill: Why senators’ efforts to kill overdraft fees is overkill

Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.

Alaska Arizona California Colorado Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Illinois Infrastructure & Technology Legal and Judicial Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Texas Top Issues Transparency Updates Utah

American Banker: Out of One, Many

Post author By Patrick M. Brenner
Post date September 3, 2025
No Comments on American Banker: Out of One, Many

As CFPB retreats, the new danger is a jumble of state-level mandates.

Alaska Conservatism Domestic Policy Economic Opportunity Economy Government Regulation Illinois Infrastructure & Technology Legal and Judicial Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

Post author By Patrick M. Brenner
Post date August 26, 2025
No Comments on Anchorage Daily News: How payday loan restrictions can hurt the people they’re meant to help

Good intentions don’t pay the bills. But choice, transparency, and access can.

Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Government Transparency and Accountability Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion State Top Issues Updates

Out of One, Many

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.

Tags Alternative Finance, Banking Compliance, Business Compliance Strategy, CFPB, Compliance Burden, Consumer Financial Protection, Consumer Protection, Consumer Rights, credit access, Credit Reporting Laws, Deregulation, economic liberty, FAIR Business Practices Act, Federal Deregulation, financial inclusion, Financial Regulatory Landscape, Financial Risk Management, Financial Services Regulation, Financial Transparency, Fintech Regulation, Free Market Policy, Junk Fee Laws, Legal Risk For Banks, Lending Restrictions, Market Innovation, Medical Debt Reporting, Merchant Cash Advance Regulation, Multi State Regulation, New York Attorney General, Payments Fraud, Peer To Peer Payments, Policy Analysis, Price Controls, Regulatory Compliance Challenges, Regulatory Patchwork, Small Business Finance, Southwest Public Policy Institute, State Attorneys General, State Consumer Laws, State Level Enforcement, State Versus Federal Regulation, Zelle Lawsuit

Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Health Care Legal and Judicial Life Markets and Finance Medicaid Medicare New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Post author By Patrick M. Brenner
Post date July 5, 2025
No Comments on ‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

Former representative Tara Jaramillo, CEO of Positive Outcomes, Inc. and alleged loan shark.

Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.

Alaska 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 Progressivism Public Opinion The Constitution Top Issues Updates

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

Post author By Southwest Public Policy Institute
Post date June 27, 2025
No Comments on 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.

Alaska Arizona California Colorado Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Texas The Constitution Top Issues Updates Utah

Fox Business: Credit card rewards are about to vanish, and guess who’s to blame?

Post author By Patrick M. Brenner
Post date April 5, 2025
1 Comment on Fox Business: Credit card rewards are about to vanish, and guess who’s to blame?

This isn’t just about miles and points; it’s about economic freedom and financial choice.

Tags Banking, Consumerism, Credit, Credit Card Rewards, Credit Card Rewards Programs, Credit Cards, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Finance, Interchange Fees, Summer Vacation, Swipe Fees, Travel