Regulation
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Policy Brief
The Debit Card Cap Goes Back to the Fed
The Eighth Circuit has set aside the Federal Reserve’s 21-cent debit card fee cap and ordered a rewrite built on marginal cost, a conflict with the D.C. Circuit that a ruling for the Board in Linney’s…
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Policy Brief
Who Paid for the Debit Card Cap
Fifteen years into the debit card cap, Federal Reserve research finds that few merchants cut prices and that banks recovered much of the lost revenue from checking customers, a record that argues against extending the approach…
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Amicus Brief
SPPI Files Amicus Brief Defending Federal Reserve’s Debit Card Fee Protections
For Immediate ReleaseJune 18, 2026 [email protected] Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in…
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In the News
Fox Business Spotlights SPPI’s Latest Report on Credit Access and Lead Generators
National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.
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Policy Brief
Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark
The FTC’s new “Click-to-Cancel” rule simplifies subscription cancellations but risks stifling innovation and imposing costly burdens on businesses and consumers alike.