All work
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Testimony & Comments
Fighting Back Against Rate Caps in Alaska: SPPI’s Testimony on Senate Bill 39
Last week, I had the opportunity to testify before the Alaska Senate Finance Committee on the dangers of Senate Bill 39, a proposal to impose a 36% APR cap on consumer credit. Additional testimony was submitted…
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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
Share, Baby, Share; How a Permanent Oil and Gas Fund Dividend Could Empower New Mexicans
And benefit the nation, too.
Originally published inNational Review
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In the News
SPPI Featured in Tangle’s Coverage of CFPB Debate
SPPI continues to argue against the agency’s overreach and its impact on financial markets.
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Policy Brief
Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme
New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Policy Brief
Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap
Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.
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Op-Ed
The Real World Intrudes On Sanders and Hawley’s Rate Cap
A national credit card rate cap may seem consumer-friendly, but history and state-level experiments shows it shrinks credit access and pushes borrowers toward costlier alternatives.
Originally published inRealClearMarkets
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Op-Ed
Trump can delete Elizabeth Warren’s failed experiment once and for all
CFPB is doing more harm than good, and its dissolution is not just a policy preference but an economic necessity.
Originally published inFox News