Patrick M. Brenner, President of the Southwest Public Policy Institute, sounds the alarm on the fragmentation of consumer finance regulation. With the CFPB scaling back, states are rushing to fill the gap—creating a patchwork of conflicting rules that raise costs, stifle innovation, and hurt consumers. In this SPPI-TV bulletin, Brenner explains how America is moving from one national regulator to fifty competing enforcers, and why Congress must act to restore coherence before every household pays the price.

Relevant reading:

• https://southwestpolicy.com/out-of-one-many/

In this special edition of SPPI-TV, Patrick M. Brenner, President of the Southwest Public Policy Institute, joins Kent Kaiser on Minnesota’s WWTC AM1280 The Patriot, guest-hosting The Jack Tomczak Show.

The 20-minute segment dives into SPPI’s groundbreaking work on consumer credit access and the dangerous consequences of government-imposed price controls and interest rate caps. Patrick and Kent discuss the Institute’s landmark studies No Loan For You! and No Loan For You, Too! — the latter featuring research contributions from Minnesota students Jack Radomski and Brandt Kringlie, who examined the state of alternative credit accessibility in their home state.

From New Mexico to Minnesota, SPPI continues to lead the charge against policies that restrict consumer choice and harm working families.

• No Loan For You!
• No Loan For You, Too!
• Jack Radomski and Brandt Kringlie
• WWTC AM1280 The Patriot
• Southwest Public Policy Institute

In this explosive episode of SPPI-TV, Patrick M. Brenner joins Brandon Vogt on News Radio KKOB to unpack Black Market Payday, the Southwest Public Policy Institute’s groundbreaking investigative report. The conversation reveals how former State Rep. Tara Jaramillo operated an unlicensed payday lending scheme through her company, Positive Outcomes, Inc., targeting low-income and Native American caregivers with interest rates as high as 2,737% APR, while state regulators looked the other way.

Patrick details how overregulation, including New Mexico’s 36% APR interest rate cap, pushed legal lenders out and opened the door to a dangerous black market for credit. The episode also dives into campaign contributions to Governor Michelle Lujan Grisham, Attorney General Raúl Torrez, and the stunning lack of enforcement despite damning evidence.

This is a must-listen for anyone concerned about consumer protection, political corruption, financial regulation, and the real-world consequences of misguided economic policy.

Relevant links:

• https://southwestpolicy.com/report-black-market-payday/
• https://omny.fm/shows/bv-today/black-market-pay-day
• https://www.santafenewmexican.com/news/local_news/former-lawmaker-accused-of-lending-scheme-vows-to-go-after-accuser/article_8ddf66cd-116f-4549-8298-02ec3031c4ce.html
• https://www.newsradiokkob.com/brandon-vogt/
• https://redstate.com/redstate-guest-editorial/2025/06/25/progressive-payday-new-mexico-democrat-probed-for-high-interest-loans-to-workers-n2190876
• https://southwestpolicy.com/report-no-loan-for-you/
• https://southwestpolicy.com/report-no-loan-for-you-too/
• https://www.americanbanker.com/opinion/if-i-cant-get-an-emergency-loan-from-a-bank-its-not-clear-who-possibly-can
• https://www.americanbanker.com/opinion/need-a-200-loan-thanks-to-rate-caps-youre-mostly-out-of-luck
• https://southwestpolicy.com/
• https://donate.southwestpolicy.com/

In this episode of SPPI-TV, Patrick Brenner sits down with Gayla Huber, President of IntegriShield, to explore the critical role her company plays in protecting brands and ensuring compliance across the alternative finance sector. From battling deceptive lead generators to navigating a maze of evolving federal and state regulations, Gayla offers a behind-the-scenes look at the enforcement challenges—and opportunities—that define the digital marketing landscape today. Tune in for an eye-opening conversation about risk, reputation, and the tools needed to stay ahead of the compliance curve.

Connect with Gayla: https://www.linkedin.com/in/gayla-huber-0525014/

Learn more about IntegriShield: https://integrishield.com/

Learn more about SPPI: https://southwestpolicy.com/

In this explosive episode of SPPI-TV, Patrick Brenner is joined by Linda DeVlieg Killman, a respected real estate broker and former commissioner of the New Mexico Real Estate Commission. Together, they pull back the curtain on the political drama surrounding her sudden and unexplained dismissal by Governor Michelle Lujan Grisham. From behind-the-scenes dysfunction at the commission to current housing market trends across the Land of Enchantment, this episode covers it all. Tune in for an unfiltered look at the intersection of real estate, regulation, and raw political power in New Mexico.

Connect with Linda: https://www.linkedin.com/in/realestateinalbuquerque/

Linda's website: https://www.realestateinabq.com/

About SPPI: https://southwestpolicy.com/

In this special episode of SPPI-TV, Southwest Public Policy Institute President Patrick M. Brenner joins Brandon Vogt on News Radio KKOB to discuss SPPI’s latest report, Swipe Right: How Comparison Shopping Tools and Lead Generators Revolutionize Consumer Access to Products and Services.

Together, they examine how platforms like NerdWallet and Credit Karma provide real value to consumers by streamlining access to credit, particularly for those underserved by traditional banking. Patrick walks through the personal experience that inspired the report, highlights the growing threat of federal regulatory overreach, and makes the case for preserving the freedom to choose in a rapidly evolving financial marketplace.

This is a fast-paced, insightful conversation about consumer empowerment, digital innovation, and the future of fintech.

Don't miss this episode if you're concerned about rising regulation and shrinking financial options.

Relevant links:

• https://southwestpolicy.com/new-mexico-agency-ordered-to-pay-30k-after-losing-transparency-lawsuit/
• https://www.abqjournal.com/news/article_b6cdc102-680d-4ac9-8495-10bacb5ac4ec.html
• https://southwestpolicy.com/albuquerque-journal-covers-sppis-legal-victory-in-public-records-lawsuit/
• https://www.newsradiokkob.com/brandon-vogt/
• https://omny.fm/shows/bv-today/consumer-benefit
• ⁠https://southwestpolicy.com/report-swipe-right/⁠
• ⁠https://www.foxbusiness.com/economy/credit-card-rewards-are-about-vanish-guess-whos-blame⁠
• ⁠https://www.foxbusiness.com/economy/products-credit-karma-nerdwallet-benefit-consumers-not-harm-them-report⁠
• ⁠https://southwestpolicy.com/⁠
• ⁠https://donate.southwestpolicy.com/

In this special episode of SPPI-TV, Southwest Public Policy Institute President Patrick M. Brenner joins Stacy Washington on SOTR Nights to discuss SPPI’s groundbreaking report, Swipe Right: How Comparison Shopping Tools and Lead Generators Revolutionize Consumer Access to Products and Services.

They explore how digital platforms like Credit Karma and NerdWallet empower everyday Americans—especially those with limited credit access—by expanding financial choices and increasing transparency. Patrick shares his personal story, outlines the threats posed by federal overreach from the CFPB and FCC, and explains why preserving consumer-driven innovation is essential for economic liberty.

If you care about free markets, personal responsibility, and fighting back against bureaucratic control, this is a conversation you won’t want to miss.

Relevant links:

• https://www.stacyontheright.com/2025/05/sotr-nights-on-sirius-05-13-25/
• https://southwestpolicy.com/report-swipe-right/
• https://www.foxbusiness.com/economy/credit-card-rewards-are-about-vanish-guess-whos-blame
• https://www.foxbusiness.com/economy/products-credit-karma-nerdwallet-benefit-consumers-not-harm-them-report
• https://southwestpolicy.com/
• https://donate.southwestpolicy.com/

Join us for an enlightening episode of SPPI-TV as we explore the world of electricity through the lens of history, current practices, and the road ahead. Hosted by Patrick M. Brenner, President of Southwest Public Policy Institute, and D. Dowd Muska, Vice President of Research, this episode welcomes Kenny Stein, Vice President for Policy at the Institute for Energy Research (IER).

In this episode, we'll delve into IER's recent report released on February 15, 2023, which provides a critical examination of restricting domestic oil and natural gas production in developed countries. It's a complex issue that calls into question the very methods we've employed to protect our environment.

The report unveils a series of contradictions and complexities:

A well-intentioned political movement aimed at halting oil and gas production in North America and Europe seems to have backfired, failing to eliminate the demand in developed nations; This movement inadvertently shifts production to countries with lower or negligible environmental standards, creating a net negative environmental impact; The U.S., with the highest environmental standards among major producers, faces a dilemma: Replacing domestic production with foreign supply would lead to overwhelmingly negative tradeoffs; With environmental scores 23.6% and 24.5% lower for the 20 largest non-U.S. oil and natural gas producers, the gap between ideals and reality is stark; Surprisingly, U.S. oil and gas production has shown that growth and environmental protection aren't mutually exclusive; emissions have decreased over the past 40 years despite increased production.

Tune in as we discuss these paradoxes and what they mean for the future of electricity. Is the current approach to environmental protection misguided? What can be done to align our goals with tangible outcomes?

Don't miss this thought-provoking episode, as we navigate the past, scrutinize the present, and envision a future where electricity production aligns more closely with our global environmental aspirations.

Relevant links:

• https://www.youtube.com/watch?v=nWfOhReP96s
• https://www.instituteforenergyresearch.org/international-issues/ier-report-shows-restricting-domestic-oil-and-natural-gas-production-leads-to-negative-environmental-outcomes/
• https://southwestpolicy.com/report-a-bright-shining-disappointment/
• https://southwestpolicy.com/poll-7-of-10-new-mexicans-prefer-affordable-and-reliable-energy/
• https://www.instituteforenergyresearch.org/
• https://www.linkedin.com/in/kenneth-stein-a514899/
• https://southwestpolicy.com/
• https://donate.southwestpolicy.com/