Topic: Southwest Public Policy Institute

free market economic policy think tank

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American Banker: Death by a thousand caps—State laws could kill credit card rewards

A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.

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Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

Colorado’s interchange swipe fee cap will ultimately harm small businesses, drive up banking costs, and gut credit card rewards.

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Alaska Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Testimony Top Issues Updates

Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39

Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted to the Senate Labor and Commerce Committee before the bill was advanced to the Senate Finance Committee. This legislation […]

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Alaska Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Markets and Finance Marriage and Family New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

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 protection measures. However, while the bill’s intentions may seem noble, its real-world consequences will devastate Alaskan consumers—especially those with […]

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Alaska Budget and Spending Coal, Oil, Natural Gas Conservatism Culture Domestic Policy Economic Opportunity Economy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Government Regulation Government Spending Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Taxes Top Issues Updates Welfare

National Review: Share, Baby, Share; How a Permanent Oil and Gas Fund Dividend Could Empower New Mexicans

And benefit the nation, too.

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Budget and Spending Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Updates

SPPI Featured in Tangle’s Coverage of CFPB Debate

Rohit Chopra during a Senate Banking, Housing, and Urban Affairs Committee hearing in Washington, DC, on December 11, 2024. Al Drago, Bloomberg, Getty Images

SPPI continues to argue against the agency’s overreach and its impact on financial markets.

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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Legal and Judicial Life Markets and Finance Political Thought Poverty and Inequality Progressivism Public Opinion The Constitution Top Issues Updates

Elon Musk Declares CFPB’s Demise, Validating SPPI’s Efforts

Musk’s declaration marks a defining victory for the Southwest Public Policy Institute, affirming our relentless efforts to expose and dismantle the CFPB.

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Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

SPPI Applauds the Departure of CFPB Director Rohit Chopra

Rohit Chopra during a Senate Banking, Housing, and Urban Affairs Committee hearing in Washington, DC, on December 11, 2024. Al Drago, Bloomberg, Getty Images

Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.

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Conservatism Courts Crime and Justice Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Progressivism Public Opinion Technology Top Issues Trade Updates

Brenner Quoted in National Mortgage News on FCC’s One-to-One Consent Rule Suspension

Southwest Public Policy Institute President Patrick M. Brenner was quoted in National Mortgage News on the FCC’s one-to-one consent rule being indefinitely suspended following two significant legal developments. With the 11th Circuit Court of Appeals striking down the rule and the Federal Communications Commission postponing implementation, industry experts agree that this regulation—initially set to take […]

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Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

The Price of Credit: How Rate Caps Hurt America’s Cash Poor

“The road to hell is paved with good intentions.”

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