OppFi
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Policy Brief
Reject Price Controls on Credit
OppFi withdrew its BNC acquisition applications on November 3, 2026, while its merger agreement remained in effect. SPPI opposes interest-rate caps as price controls and calls for statutory review that supports qualified bank entry and credit…
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Op-Ed
Elizabeth Warren Came to Dance On a Grave. The Corpse Was at Home
Sen. Elizabeth Warren spent months demanding regulators kill Enova International’s bank deal. On Sept. 14 she got her wish. Enova announced a buyback. As funerals go, it was upbeat. Enova withdrew its applications with the Comptroller…
Originally published inRealClearMarkets
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Op-Ed
What Does a Pizza Have to Do With a Loan?
I was reading about Linney’s Pizza v. Board of Governors of the Federal Reserve System, a case involving a Kentucky pizza shop and the fees merchants pay on debit-card transactions, and it got me thinking about…
Originally published inDC Journal
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Op-Ed
When the Horseshoe Isn’t Just a Theory
Nowhere is the horseshoe theory more readily apparent than in consumer finance.
Originally published inNational Review
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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal