All work
-
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
-
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
-
Press Release
SPPI Applauds the Departure of CFPB Director Rohit Chopra
Rohit Chopra’s tenure of regulatory overreach and punitive enforcement has harmed consumers and stifled financial innovation.
-
Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
-
In the News
Brenner Quoted in National Mortgage News on FCC’s One-to-One Consent Rule Suspension
Southwest Public Policy Institute President Patrick M. Brenner was quoted in National Mortgage News on the FCC’s one-to-one consent rule being indefinitely suspended following two significant legal developments. With the 11th Circuit Court of Appeals striking…
-
Policy Brief
The Price of Credit: How Rate Caps Hurt America’s Cash Poor
“The road to hell is paved with good intentions.”
-
Press Release
SPPI Applauds Fate of FCC’s One-to-One Consent Rule: Stay and Eleventh Circuit Ruling
The FCC’s one-to-one consent rule would have disrupted vital industries, reduced access to services, and driven up costs.
-
Press Release
Victory: Court Deals FCC’s One to One Consent Rule a Major Blow
Businesses, consumers, and innovators scored a major victory as the FCC’s overreaching one-to-one consent rule was struck down.