We at CFIF have consistently highlighted the peril of federal, state and local government efforts targeting…
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New Study Shows How Overregulating Short-Term Lenders Harms Consumers

We at CFIF have consistently highlighted the peril of federal, state and local government efforts targeting the short-term consumer lending sector.

Less than two years ago, we specifically sounded the alarm on a New Mexico law artificially restricting interest rates on short-term consumer loans.

Well, a new study entitled "A New Mexico Consumer Survey:  Understanding the Impact of the 2023 Rate Cap on Consumers" that surveyed actual borrowers confirms our earlier warnings:

Key findings include:

•Short-term,small-dollar loans help borrowers manage their financial situations, irrespective of the borrower’s income.

•The rate cap has failed to improve the financial wellbeing of New Mexicans, specifically those who had previously relied on short-term, small-dollar loans.


November 27, 2023 • 03:57 PM
A Short History of Joe's Long Record of Lying About Biden Inc.

A Short History of Joe's Long Record of Lying About Biden Inc.

The Biden family operated through at least 20 shell companies – as one does when running a completely above-board legit business venture.

Green Groups Are No Longer Promoting a Cleaner Environment

Green Groups Are No Longer Promoting a Cleaner Environment

The U.N.'s latest report says more than $4 trillion needs to be spent each year until 2030 to stop global warming.

Supreme Court Scrutinizes Yet Another Federal Regulatory Abuse

Supreme Court Scrutinizes Yet Another Federal Regulatory Abuse

Our executive branch and its federal agencies exist to execute our nation’s laws, not create them or abusively interpret them.

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Freedom to Choose: In Support of Free Market Energy Policies

Tom Pyle, President of the Institute for Energy Research and the American Energy Alliance, discusses government regulation of energy markets, why freely functioning energy markets are critical to the well-being of individuals and society, and the important work that is being done by the Save Our Cars Coalition[more]
Election 2024

William J. Conti, a Washington, DC, Lawyer and Political Analyst, discusses off-year election results, possible presidential third-party candidates and Democratic challengers to President Biden, the political implications of war in the Middle East, and the Republican primary field[more]
FCC's "Digital Equity" Rule-Making About Gov't Control of the Internet, Not Equity

FCC Commissioner Brendan Carr discusses how the Commission's recently adopted rules relating to "digital equity" amount to an overreaching and unlawful power grab that gives the government effective regulatory control over all internet services and infrastructure[more]
Patients' Lives at Risk with Medicare's Dual Payment Scheme

Dr. Keith Smith, Healthcare Expert and Cofounder and Managing Partner of the Surgery Center of Oklahoma, discusses how Medicare's dual payment scheme jeopardizes patient health, how site-neutral reimbursement provides transparency and allows the free market to step in, and other insights and lessons learned[more]
Anti-America and Anti-Semitism on College Campuses

Hans von Spakovsky, Senior Legal Fellow at The Heritage Foundation, discusses how America's top law schools have become socialist training camps, recent events surrounding the Harvard students who spoke out in support of Hamas after its bloody attack on Israel, why U.S. military academies are being sued over[more]
The FCC's Push to Resurrect Title II, 'Net Neutrality' Regulation Disaster

Timothy Lee, Senior Vice President of Legal and Public Affairs at the Center for Individual Freedom, discusses the Biden Administration's attempt to resurrect Title II, "Net Neutrality" internet regulation[more]
Perspective on the Israel-Hamas War

The Honorable Francis Rooney, Former Member of the U.S. House of Representatives (2017-2021) and Former Ambassador to the Holy See (2005-2008), discusses previous efforts to bring peace to the Middle East, including the Abraham Accords Declaration signed in 2020, the statement issued by Pope Francis on the Israel[more]
The War in Israel: An Inflection Point in History

Tzvi Kahn, Senior Iran Analyst, Research Fellow and Senior Editor at the Foundation for Defense of Democracies, discusses the history of the conflict between Hamas and Israel, how Iran engineered the attack, how the Biden Administration’s policies emboldened Iran and Hamas, and what steps the U.S. must to take[more]
Notable Quote   
"Joe Biden made cracking down on tax-cheating millionaires a centerpiece of his presidency, even securing the funds to hire new IRS agents and auditors. On Thursday, his Justice Department branded first son Hunter Biden as a quintessential tax cheat who chose to underwrite an 'extravagant lifestyle' with millions in foreign monies rather than pay his debts to Uncle Sam.In a sweeping grand jury indictment…[more]
— John Solomon, Chief Executive Officer and Editor in Chief of Just the News
Liberty Poll   

Given the large and growing number of U.S. House retirees, are you more concerned about the loss of experienced veterans or more hopeful by the potential of new talent?