Policy Brief
Analysis and commentary; the default for shorter pieces.
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Policy Brief
Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark
The FTC’s new “Click-to-Cancel” rule simplifies subscription cancellations but risks stifling innovation and imposing costly burdens on businesses and consumers alike.
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Policy Brief
The Politicization of the New Mexico Secretary of State’s Office
The Southwest Public Policy Institute (SPPI) is committed to promoting transparency and accountability in government. This policy brief addresses the ongoing politicization of the Office of the Secretary of State (SOS) in New Mexico under Maggie…
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Policy Brief
The Government Really Thinks We’re Stupid
New Mexico’s lack of transparency and fabricated data are undermining public trust, stifling honest policy debate, and disproportionately burdening lower-income families with unjust mandates.
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Policy Brief
A “Revamp” Gone Wrong: GovLoans.gov Is No Longer Safe
The recent “upgrade” to GovLoans.gov has turned into a major security risk, with antivirus alerts flagging the official site as potentially malicious.
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Policy Brief
The CFPB Attacks SoLo Funds
The Consumer Financial Protection Bureau (CFPB) has attacked SoLo Funds, the nation’s largest consumer-facing Black-led and owned fintech.
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.