Todd Zywicki
Professor of Law
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Policy Brief
Incremental Cost Has Multiple Meanings
The Eighth Circuit said “incremental cost” has one well-understood meaning, marginal cost; economics and federal rate regulation use the term in several senses, including one that spreads a service’s own fixed costs across its units.
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In the News
SPPI in the News
August coverage spanning insurance regulation, debit interchange, employee ownership, and how New Mexico policy affects national policy.
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Op-Ed
There’s No Such Thing as Free Data
The government should allow banks and software companies to negotiate the price of financial data freely.
Originally published inNational Review
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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…
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Op-Ed
The Case Against 30-Year Mortgages
Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.
Originally published inThe Wall Street Journal
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Op-Ed
Credit card rewards are about to vanish, and guess who’s to blame?
This isn’t just about miles and points; it’s about economic freedom and financial choice.
Originally published inFox Business
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SPPI-TV
Solving the Rate Cap Puzzle
Join host Patrick M. Brenner, president of the Southwest Public Policy Institute, in an insightful episode of SPPI-TV as he delves into the captivating world of interest rate caps and the role of the Consumer Financial…