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.
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.
What the GAO’s review of the NAIC means for insurance consumers.
Why regulators must look beyond patient access and weigh the risks of foreign supply chain dependencies.
How SPPI is driving transparency, market competition, and accountability in public policy.
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
For Immediate ReleaseJune 18, 2026 [email protected] Washington, DC—The Southwest Public Policy Institute (SPPI), alongside the Pinpoint Policy Institute and the Taxpayers Protection Alliance Foundation (TPAF), announced today the filing of a joint amicus curiae brief in the U.S. District Court for the Eastern District of Kentucky for the case Linney’s Pizza v. Board of Governors […]
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Originally published at thehill.com on May 27, 2026. Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That is what happened to Spirit. Now, just as travelers are watching […]