Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
‘Black Market Payday’ Makes Headlines: Unlicensed Lending by Tara Jaramillo

free market economic policy think tank
Price controls like New Mexico’s 36% APR cap have driven vulnerable workers into the hands of unlicensed lenders.
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.
The Access Granted report exposes how chambers of commerce falsely labeled legitimate data aggregation as phishing to distract from their own failure to secure publicly accessible member directories.
Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.
The coalition urges the CFTC to cut red tape on prediction markets and embrace permissionless innovation.
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.
National media coverage affirms the importance of preserving consumer choice and innovation in financial matchmaking.
The victory guarantees access to public vehicle data to investigate the impact of EV mandates on vulnerable communities.
How comparison shopping tools and lead generators revolutionize consumer access to products and services.
A harmful swipe fee price control bill was defeated in the Senate after passing the House, marking a major victory for economic freedom.