The CRA, Regulation Day, and the Pathway for Regulatory Repeal
Politics / Regulation / U.S. Domestic Policy

The CRA, Regulation Day, and the Pathway for Regulatory Repeal

The phenomenon of “Midnight Regulations” — the high volume of rules issued as a lame duck President’s term winds down — has been well documented by the American Action Forum, as have Congressional attempts to curb the Midnight trend. Building on that analysis, we decided to investigate the effect of a 1996 law that was … Continue reading

House GOP’s Dodd-Frank Fix: A Market-Based Solution
Politics / Regulation

House GOP’s Dodd-Frank Fix: A Market-Based Solution

When Wisconsin Congressman Paul Ryan started as Speaker of the House last October, he promised to outline a Republican vision on policies for the 2016 election. Last week, chairman of the House Financial Services Committee, Rep. Jeb Hensarling (R-TX), began that process by outlining a bill designed to replace the 2010 Dodd-Frank Wall Street Reform … Continue reading

Adding Government Agencies is Hurting Home Buyers
America / CFPB / Regulation

Adding Government Agencies is Hurting Home Buyers

When Americans make the monumental decision to purchase a new home, they must endure the complicated process of attaining a mortgage. Many factors are involved in this process. One of which is paying for the real estate settlement services that are involved in home buying. Examples of said services include real estate agents and brokers, … Continue reading

How Small Programs Hidden in Dodd Frank are Costing Americans Big Money
CFPB / Regulation

How Small Programs Hidden in Dodd Frank are Costing Americans Big Money

More than five years following the passage of The Dodd-Frank Wall Street Reform and Protection Act (Dodd-Frank), the question of necessity of such an extraordinarily large and overbearing act persists. This enormous document was introduced to address the issues existing in the financial system, specifically to prevent another financial crisis, but it appears to have … Continue reading

Proposed Overtime Rule: Overestimated Benefits Fail to Justify Costs
Labor Force / Regulation

Proposed Overtime Rule: Overestimated Benefits Fail to Justify Costs

This past summer, the Department of Labor (DOL) unveiled a proposed rule that could provide almost five million new workers with overtime protections. Currently, overtime regulations apply only to those earning $455 or lower weekly. If implemented, this new rule would increase the salary threshold up to $970 a week. This threshold is equivalent to … Continue reading

Economic Freedom Series: Why Do I need a Prescription for Contact Lenses?
Economy / Healthcare / Regulation

Economic Freedom Series: Why Do I need a Prescription for Contact Lenses?

The Federal Trade Commission (FTC) and Federal Drug Administration (FDA) have infringed upon my economic liberties. Collectively, these government bodies created an inefficient marketplace that burdens contact lens retailers and consumers. In hopes of curtailing market power granted to contact lens prescribers by FDA regulation, the FTC designed the Fairness to Contact Lens Consumer Act … Continue reading