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The Wall Street Journal

American business-focused daily newspaper

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  • White Paper No. 12

    Oklahoma’s Parchment Guarantee

    Two Oklahoma statutes point in opposite directions for a captive risk retention group, and seven years of enforcement built on the one a court later rejected still has not answered whether the company can pay its…

    Patrick M. Brenner and Gregory A. Schroeder  |  September 27, 2026

  • TV & Radio

    How Did a Nonprofit Become America’s Insurance Regulator? | Gregory A. Schroeder on 96.3 FM KKOB

    SPPI Executive Vice President Gregory A. Schroeder joined Brandon Vogt on 96.3 FM KKOB to discuss who writes the rules for insurance and consumer credit.

    Aired on96.3 FM KKOB

    Gregory A. Schroeder  |  September 23, 2026

  • In the News

    SPPI in the News

    August coverage spanning insurance regulation, debit interchange, employee ownership, and how New Mexico policy affects national policy.

    Southwest Public Policy Institute  |  August 30, 2026

  • Press Release

    Annual Report 2026

    The Southwest Public Policy Institute is proud to release its 2026 Annual Report. What began in 2022 as a lean, technology-driven startup has grown into a national force for transparency, accountability, and market-based public policy reform.…

    Southwest Public Policy Institute  |  May 14, 2026

  • White Paper

    The Case Against 50-Year Mortgages

    How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?

    Patrick M. Brenner  |  November 8, 2025

  • Policy Brief

    The Mortgage Bankers Association’s Reply Is the Real Joke

    The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.

    Patrick M. Brenner  |  October 25, 2025

  • Policy Brief

    Compounding Interest: The Case Against the Confused Case Against the Case Against 30-Year Mortgages

    In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused…

    Patrick M. Brenner  |  October 13, 2025

  • Policy Brief

    Compounding Interest: Reader Replies, Part IV

    When you publish in The Wall Street Journal, you have to expect a few readers to come out swinging. Some disagree on principle; others on tone. And then there are those who lecture you like you…

    Patrick M. Brenner  |  October 9, 2025

  • Policy Brief

    Compounding Interest: Reader Replies, Part III

    The responses to my article for The Wall Street Journal “The Case Against 30-Year Mortgages” keep coming… They’re thoughtful, challenging, and occasionally humbling. What started as a critique of an outdated lending standard has evolved into…

    Patrick M. Brenner  |  October 9, 2025

  • Policy Brief

    Compounding Interest: Reader Replies, Part II

    When The Wall Street Journal published my op-ed, “The Case Against 30-Year Mortgages,” I expected disagreement. What I didn’t expect was the flood of thoughtful, funny, and occasionally fiery responses from readers across the country. Read…

    Patrick M. Brenner  |  October 9, 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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