Utah
state of the United States of America
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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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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
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Op-Ed
‘For Heaven’s sake, stop it’ DIDMCA opt outs harm interstate commerce
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Originally published inAmerican Banker
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Policy Brief
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…
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Op-Ed
Excessive regulation is fueling a health care crisis in Utah
Recent research has shown that health care consolidations not only lower costs for health care consumers but also improve multiple indicators of quality patient care.
Originally published inDeseret News
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Op-Ed
Utah Creates an Ideal Homeschool Environment with Universal ESAs
If you’re a homeschooling parent, an exciting development in Utah offers your family an impressive benefit. Earlier this year, lawmakers in Salt Lake City created the Utah Fits All Scholarship, putting the Beehive State in the…
Originally published inThe Center Square
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Policy Brief
What’s Up in Colorado?
Employment growth slows to nearly nothing in the Centennial State.
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Policy Brief
No Fertilizer, No Farms
Eco-alarmists stage another assault on the American Southwest’s mineral bonanza.
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Policy Brief
Let’s Cancel the ‘Holidays’
Sales-tax breaks are popular, but they’re lousy fiscal policy.