Southwest Public Policy Institute

Better living through better policy.

Press Top Issues Updates

SPPI Welcomes Silicon Valley Innovator Dain Ehring to Board of Directors

Post author By Southwest Public Policy Institute
Post date December 8, 2025
No Comments on SPPI Welcomes Silicon Valley Innovator Dain Ehring to Board of Directors

The Southwest Public Policy Institute (SPPI) is proud to announce that Dain Ehring, a nationally recognized technology entrepreneur and pioneer in financial and digital innovation, has joined its Board of Directors. Mr. Ehring has over 40 years of experience driving innovation in technology, financial services, and digital ecosystems. As CEO of DAIN ALLEN LLC, he manages strategic […]

Culture Domestic Policy Economic Opportunity Economy Education Freedom and Reform Government Regulation Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

The Need to Modernize Financial Literacy in Uncertain Economic Times

Post author By Lucas J. Parker
Post date December 6, 2025
No Comments on The Need to Modernize Financial Literacy in Uncertain Economic Times

A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.

Tags Amortization Schedules, Annual Percentage Rate (APR), Consumer Finance, Consumer Protection, Credit Market Instruction, Credit Policy Impacts, Credit Scoring Education, Credit-Market Case Studies, Debt Management Education, Decision-Making Skills, Economic Mobility, Financial Curriculum Redesign, Financial Education Reform, Financial Independence For Students, Financial Literacy, Financial Technology (Fintech) Education, High School Curriculum Modernization, High-Cost Credit Products, Household Debt Burden, Industry Practitioner Insights, Lending Transparency, Loan Scenarios, Long-Term Mortgage Misalignment, Mortgage Interest Accrual, Opportunity Cost Understanding, Payday Loan Risks, Predatory Lending Awareness, Real-World Financial Skills, Regulatory Environment, Risk Assessment Training, Southwest Public Policy Institute (SPPI), Student Financial Outcomes, Youth Financial Preparedness

Budget and Spending Conservatism Courts Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Housing Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Progressivism Public Opinion Reports Technology Top Issues Updates

Report: 1033 Error, Rule Not Sound

Post author By Southwest Public Policy Institute
Post date November 24, 2025
No Comments on Report: 1033 Error, Rule Not Sound

The CFPB’s open-banking mandate endangers consumers.

Tags Application Programming Interfaces (APIs), Authorized Third Parties, Banks And Credit Unions, Chevron Deference, Comparison Shopping Tools, Consumer Data Access, Consumer Financial Protection Bureau (CFPB), Consumer Protection Policy, Credit Karma, Cybersecurity Risks, Data Breach Risks, Data Governance, Data Monetization, Data Portability, Data Privacy Frameworks, Data Security, Data Sharing Agreements, Digital Financial Platforms, Dodd-Frank Act, Economic Freedom, Federal Court Injunction, Financial Compliance, Financial Data Aggregators, Financial Data Ecosystem, Financial Data Exchange (FDX), Financial Fraud Prevention, Financial Innovation, Financial Institutions, Financial Market Stability, Financial Privacy, Financial Regulation Reform, Financial Services Policy, financial technology, Financial Transparency, Fintech Regulation, Free Market Policy, Gramm-Leach-Bliley Act (GLBA), Lead Generators, Lending Tree, Liability Asymmetry, Loper Bright Decision, Major Questions Doctrine, Market-Based Innovation, Meta Fraud Report, National Security Risks, NerdWallet, Open Banking, Personal Financial Data Rights Rule, Plaid Data Connections, Price Controls, Regulatory Compliance, Regulatory Overreach, Rohit Chopra, Screen Scraping, Section 1033, Statutory Authority Limits, Third-Party Data Access, Trump Administration Rulemaking, Voluntary Industry Standards

Agriculture Alaska Arizona California Coal, Oil, Natural Gas Colorado Conservatism Culture Domestic Policy Energy & Environment Energy Economics Energy, Environment, and Natural Resources Life New Mexico Oklahoma Political Thought Progressivism Public Opinion Renewable Energy Texas Top Issues Updates Utah

The Washington Post: New Mexico knows Trump’s BLM nominee. Back away.

Post author By Patrick M. Brenner
Post date November 22, 2025
No Comments on The Washington Post: New Mexico knows Trump’s BLM nominee. Back away.

Former New Mexico Republican chairman Steve Pearce is the opposite of what the complex agency needs.

Tags Administrative Leadership, American West, Bureau of Land Management (BLM), Climate Policy, Conservation Policy, Donald Trump, Economic Development, Energy Policy, Environmental Policy, Environmental Protection, Executive Branch Appointments, Federal Agency Leadership, Federal Appointments, Federal Land Oversight, Federal Land Use, GOP Infighting, Government Competence, Government Reform, Grazing Permits, Land Management Policy, Mineral Rights, Natural Resources Management, New Mexico Legislature, New Mexico Politics, Oil And Gas Industry, Opinion Editorial, Otero Mesa, Partisan Politics, Patrick M. Brenner, Political Accountability, Political Analysis, Political Appointments, Political Polarization, Public Land Stewardship, Public Lands, Public Policy, Public Trust, Republican Leadership, Republican Party, Rural Policy, Southwest Public Policy Institute (SPPI), State Politics, Stevan Pearce, Susana Martinez, Tribal Nations, Trump Administration, Trump Second Term, Washington Post Opinion, Western Communities, Western Conservation, Western States Politics

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Transparency Updates

The Death Knell for Elizabeth Warren’s CFPB

Post author By Patrick M. Brenner
Post date November 19, 2025
No Comments on The Death Knell for Elizabeth Warren’s CFPB

Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime

Agriculture Alaska Arizona California Coal, Oil, Natural Gas Colorado Conservatism Culture Domestic Policy Economy Energy & Environment Energy, Environment, and Natural Resources Government Regulation Illinois Nevada New Mexico Oklahoma Political Thought Press Progressivism Public Opinion Texas Top Issues Updates Utah

SPPI Opposes Steve Pearce’s BLM Nomination

Post author By Patrick M. Brenner
Post date November 18, 2025
3 Comments on SPPI Opposes Steve Pearce’s BLM Nomination

The Institute warns that the Pearce nomination could undermine western land management

Tags Ben Ray Luján, Bureau of Land Management (BLM), Energy Policy, Environmental Policy, Federal Appointments, Government Accountability, Land Management Policy, Martin Heinrich, New Mexico Politics, Political Leadership, Public Lands, Senate Confirmation, Southwest Public Policy Institute (SPPI), Steve Pearce, Washington Post Op-Ed, Western Land Stewardship

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Housing Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

Post author By Patrick M. Brenner
Post date November 17, 2025
No Comments on Fox News: Trump’s 50-year mortgage just introduces a new kind of debt

50-year loan terms would triple total debt while government regulations continue driving up building costs

Conservatism Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Public Opinion Security Technology Top Issues Updates

RealClearMarkets: Stablecoin Rewards Are the Shortcut to Financial Trouble

Post author By Patrick M. Brenner
Post date November 12, 2025
No Comments on RealClearMarkets: Stablecoin Rewards Are the Shortcut to Financial Trouble

Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?

Conservatism Culture Debt Domestic Policy Economic Opportunity Economy Government Regulation Housing Infrastructure & Technology Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Reports Top Issues Transparency Updates

Report: The Case Against 50-Year Mortgages

Post author By Southwest Public Policy Institute
Post date November 8, 2025
1 Comment on Report: The Case Against 50-Year Mortgages

How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Housing Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Top Issues Transparency Updates

The Wall Street Journal: The Case Against 30-Year Mortgages

Post author By Patrick M. Brenner
Post date November 8, 2025
1 Comment on The Wall Street Journal: The Case Against 30-Year Mortgages

Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.