All work
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Op-Ed
When the Horseshoe Isn’t Just a Theory
Nowhere is the horseshoe theory more readily apparent than in consumer finance.
Originally published inNational Review
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Coalition Letter
SPPI Joins Coalition Urging Treasury to Close the Chinese Battery Component Loophole
The letter asks Treasury Secretary Scott Bessent and the IRS to enforce the One Big Beautiful Bill Act’s foreign-entity restrictions so Chinese-controlled battery companies cannot claim Section 45X or 48E tax credits through U.S. subsidiaries or…
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In the News
SPPI in the News
August coverage spanning insurance regulation, debit interchange, employee ownership, and how New Mexico policy affects national policy.
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Op-Ed
How Did a Nonprofit Become America’s Insurance Regulator?
States have surrendered much of their power to a private organization with almost no transparency.
Originally published inThe Wall Street Journal
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Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
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Press Release
SPPI Names Gregory A. Schroeder Executive Vice President
Lending and mortgage veteran will guide the institute’s work on credit access and consumer finance.
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Op-Ed
Indebted Americans need help, not restrictions on settlement services
According to research from The Federal Reserve Bank of New York, roughly 60% of the 175 million American adults holding credit cards carry a balance.
Originally published inAmerican Banker
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
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.