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  • White Paper No. 11

    Fifty-Five Percent

    Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.

    Patrick M. Brenner and Gregory A. Schroeder  |  August 15, 2026

  • Press Release

    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.

    Southwest Public Policy Institute  |  June 27, 2025

  • Press Release

    SPPI Applauds Fate of FCC’s One-to-One Consent Rule: Stay and Eleventh Circuit Ruling

    The FCC’s one-to-one consent rule would have disrupted vital industries, reduced access to services, and driven up costs.

    Southwest Public Policy Institute  |  January 27, 2025

  • Event

    Betting on the Future: SPPI Tackling Lending Challenges at Vegas Conference

    SPPI heads to Las Vegas for the Online Lenders Alliance’s annual Tribal Lending Conference to connect with industry leaders and tackle the future of financial services.

    Patrick M. Brenner  |  December 3, 2024

  • Policy Brief

    FDIC’s Unbanked and Underbanked Households

    SPPI’s reports, OLA’s studies, and the FDIC’s findings highlight the urgent need to protect credit access for unbanked and underbanked households.

    Patrick M. Brenner  |  November 16, 2024

  • Press Release

    Conclusion of Alaskan Legislative Session: Victory for Alaskan Consumers

    The Southwest Public Policy Institute applauds the Alaskan Senate Finance Committee’s decision to not advance House Bill 145 and Senate Bill 264, ensuring continued consumer access to diverse emergency credit options.

    Southwest Public Policy Institute  |  May 16, 2024

  • Press Release

    Pew Charitable Trust Scraps “Consumer Finance” Project After SPPI Debunks Pew’s Findings

    Albuquerque, NM — The Pew Charitable Trusts has “archived” their Consumer Finance project and reassigned Alex Horrowitz as Project Manager of their Housing Policy Initiative. Earlier this year, the Pew Charitable Trusts released a study that…

    Southwest Public Policy Institute  |  July 12, 2023

  • SPPI-TV

    Solving the Rate Cap Puzzle

    Join host Patrick M. Brenner, president of the Southwest Public Policy Institute, in an insightful episode of SPPI-TV as he delves into the captivating world of interest rate caps and the role of the Consumer Financial…

    Patrick M. Brenner  |  May 26, 2023

  • White Paper No. 2

    No Loan for You!

    How the war on specialized emergency loans has hurt New Mexicans.

    Patrick M. Brenner and D. Dowd Muska  |  March 2, 2023

  • Op-Ed

    Here’s What Rate Caps Really Do To Consumers

    Earlier this year, as New Mexico debated legislation limiting to 36 percent the annual percentage rate for consumer loans in the state, the primary witness testified in support of the bill before the Consumer and Public…

    Originally published inSanta Fe New Mexican

    Patrick M. Brenner  |  June 11, 2022

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Southwest Public Policy Institute  |  Better living through better policy

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