Predatory lending
unfair and deceptive loan origination
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
Policy Brief
The Need to Modernize Financial Literacy in Uncertain Economic Times
A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.
White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.
Policy Brief
Why Alaska’s Senate Bill 39 Should Be Rejected: Lessons from New Mexico’s Failed Rate Cap
Alaska’s Senate Bill 39 (SB 39) proposes a 36% APR cap on consumer loans up to $25,000. The bill aims to regulate financial services, prevent “predatory” lending, and bring state laws in line with federal consumer…
Event
SPPI President, Patrick Brenner, to Speak at Independent Women’s Forum Panel
We are thrilled to announce that Patrick Brenner, president of the Southwest Public Policy Institute (SPPI), will be representing SPPI as a distinguished panelist at the Independent Women’s Forum. The panel will test a simple, powerful…