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Native Americans in the United States

indigenous peoples of the United States

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  • White Paper No. 14

    The Moral Hierarchy of Debt

    Why America’s Most Trusted Loan Is Its Most Expensive, and Who Decided Otherwise

    Evan Chang and Patrick M. Brenner  |  October 5, 2026

  • Op-Ed

    The first of its kind? A tribally owned professional sports team

    Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades.…

    Originally published inAlbuquerque Journal

    Patrick M. Brenner  |  October 18, 2025

  • Litigation

    SPPI Files Federal Complaint After New Mexico Attorney General Fails to Act

    The Southwest Public Policy Institute (SPPI) has filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding the loan-sharking lending practices of former State Representative Tara Jaramillo and her company, Positive Outcomes, Inc. The…

    Southwest Public Policy Institute  |  September 17, 2025

  • Op-Ed

    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.

    Originally published inAnchorage Daily News

    Patrick M. Brenner  |  August 26, 2025

  • Policy Brief

    Unlicensed, Unregulated, Unpunished: Still No Justice in Tara Jaramillo’s Predatory Lending Scheme

    Tara Jaramillo’s payday lending scheme didn’t happen despite New Mexico’s interest rate cap: it happened because of it, with a little help from Fred Nathan and the price-fixing crusaders at Think New Mexico.

    Patrick M. Brenner  |  July 18, 2025

  • In the News

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

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

    Patrick M. Brenner  |  July 5, 2025

  • White Paper

    Black Market Payday

    How government price controls created an illicit supply of emergency credit.

    Patrick M. Brenner  |  June 24, 2025

  • Policy Brief

    Colorado’s War on Credit

    Colorado’s HB23-1229 threatens consumer access to credit and economic growth.

    Patrick M. Brenner  |  May 23, 2024

  • SPPI-TV

    Indian Country

    Join us on the next episode of SPPI-TV as we dive into the latest Native American current events with our special guest, Dr. Katherine Spilde. In this episode, we'll explore two significant developments: the Chaco Canyon…

    Southwest Public Policy Institute  |  June 23, 2023

  • Op-Ed

    Haaland v. Brackeen: Tribal Sovereignty Wins

    The Supreme Court of the United States affirms a significant victory for tribal sovereignty, protecting the cultural identity of Native Americans.

    Originally published inAlbuquerque Journal

    Patrick M. Brenner  |  June 22, 2023

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