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.
Topic: Utah
state of the United States of America
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.
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
State-level DIDMCA opt-outs threaten to fragment the national credit market.
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 protection measures. However, while the bill’s intentions may seem noble, its real-world consequences will devastate Alaskan consumers—especially those with […]
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.
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 forefront of the Education Saving Account movement. What does that mean? Starting in the 2024-25 school year, all K-12 […]
Employment growth slows to nearly nothing in the Centennial State.
Eco-alarmists stage another assault on the American Southwest’s mineral bonanza.