United States Congress
bicameral legislature of the United States
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Op-Ed
Elizabeth Warren Came to Dance On a Grave. The Corpse Was at Home
Sen. Elizabeth Warren spent months demanding regulators kill Enova International’s bank deal. On Sept. 14 she got her wish. Enova announced a buyback. As funerals go, it was upbeat. Enova withdrew its applications with the Comptroller…
Originally published inRealClearMarkets
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Op-Ed
When the Horseshoe Isn’t Just a Theory
Nowhere is the horseshoe theory more readily apparent than in consumer finance.
Originally published inNational Review
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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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Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
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Op-Ed
Indebted Americans need help, not restrictions on settlement services
According to research from The Federal Reserve Bank of New York, roughly 60% of the 175 million American adults holding credit cards carry a balance.
Originally published inAmerican Banker
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
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Policy Brief
Regulation Without Disclosure
What the GAO’s review of the NAIC means for insurance consumers.