All work
-
White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
-
Policy Brief
Rural Medicare Advantage Customers See Decreased Options
As the December 7 Medicare Open Enrollment deadline approaches, rural seniors face shrinking coverage options as major insurers scale back Medicare Advantage plans nationwide.
-
Op-Ed
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?
Originally published inRealClearMarkets
-
Policy Brief
The Mortgage Bankers Association’s Reply Is the Real Joke
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
-
Policy Brief
Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking
Congress must update the Bank Secrecy Act for the 21st century…
-
Policy Brief
Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.
-
Op-Ed
The first of its kind? A tribally owned professional sports team
Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades.…
Originally published inAlbuquerque Journal
-
Policy Brief
The Real Cost of Homeownership: Beyond the Mortgage and APR
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on…
-
Policy Brief
Compounding Interest: The Case Against the Confused Case Against the Case Against 30-Year Mortgages
In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused…
-
Policy Brief
Compounding Interest: Reader Replies, Part IV
When you publish in The Wall Street Journal, you have to expect a few readers to come out swinging. Some disagree on principle; others on tone. And then there are those who lecture you like you…