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highest court of jurisdiction in the United States

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  • White Paper No. 11

    Fifty-Five Percent

    Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.

    Patrick M. Brenner and Gregory A. Schroeder  |  August 15, 2026

  • Testimony & Comments

    SPPI Supports the OCC in Blocking Harmful State Banking Mandates

    A new comment letter from the Southwest Public Policy Institute highlights the existential threat that state-level interference poses to the national economy.

    Patrick M. Brenner  |  May 27, 2026

  • Op-Ed

    To Interchange or Not to Interchange…

    Why state-level price controls threaten $35 billion in credit card rewards and household budgeting.

    Originally published inDC Journal

    Patrick M. Brenner  |  May 27, 2026

  • Op-Ed

    Illinois and Colorado are coming for your airline miles

    Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That…

    Originally published inThe Hill

    Patrick M. Brenner  |  May 27, 2026

  • Op-Ed

    Mortgage rates just fell below a crucial psychological threshold

    The difference from a 6 percent rate is tiny, but the appeal to customers is big.

    Originally published inThe Washington Post

    Patrick M. Brenner  |  March 10, 2026

  • Policy Brief

    Construction Halted: Trump’s Tariffs Threaten Infrastructure Projects

    Tariffs on steel, aluminum, and copper are driving up costs, delaying infrastructure projects, and threatening growth across key sectors of the American economy.

    Lucas J. Parker  |  March 6, 2026

  • Op-Ed

    Sue-Pervised Retirement

    Rampant litigation against 401(k) sponsors is narrowing employees’ investment choices and eroding their retirement wealth.

    Originally published inNational Review

    Patrick M. Brenner  |  February 19, 2026

  • Policy Brief

    The CFPB’s Open Banking Mandate Is About to Break Rent

    The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.

    Patrick M. Brenner  |  December 15, 2025

  • White Paper No. 8

    1033 Error, Rule Not Sound

    The CFPB’s open-banking mandate endangers consumers.

    Patrick M. Brenner and Lucas J. Parker  |  November 24, 2025

  • Op-Ed

    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.

    Originally published inAmerican Banker

    Patrick M. Brenner  |  March 28, 2025

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Southwest Public Policy Institute

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Southwest Public Policy Institute  |  Better living through better policy

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