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OpenMarket: Risk and Consumer Freedom

  • In Praise of Pro-Consumer Tenure of Finance Regulator Kraninger

    October 16, 2019
    As she prepares to give her semi-annual testimony to Congress this week—on Wednesday to the House Financial Services Consumer Financial Protection Bureau and on Thursday to the Senate Banking Committee—Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger has much to be proud of. Since the Senate confirmed her in December 2018, Kraninger has worked diligently to make the CFPB more transparent, more accountable, and ultimately more consumer-friendly.
  • Killing Us with Kindness: Democrats' War on Vaping Costs Lives

    October 15, 2019
    Liberals are supposed to the ones whose hearts “bleed” with concern for others’ welfare. That’s why modern liberals generally reject an abstinence-only approach to regulation. They recognize that policies aimed at reducing harm, like sex education, needle exchange programs, and addiction services, are beneficial to both individuals and society while prohibition merely creates injustice and suffering.
  • Gene Editing Can Improve Health Outcomes for the Poor

    September 9, 2019
    Gene editing, specifically somatic gene therapy, cures maladies with traceable genetic origins. This revolutionary science is rapidly advancing, but not without major setbacks. Regulations designed to protect patients from dangerous applications of gene editing, both real and imaginary, are increasing the cost, slowing development, and preventing life-saving research.
  • Loco Four Loko Hysteria

    August 29, 2019
    It’s only a matter of time before Phusion Projects' new hard seltzer hits shelves, which means that it’s only a matter of time before alarmists begin calling for the ban of a product that is no more or less dangerous than any other alcoholic beverage on the market. People will not be worse off for having the option to purchase a stronger seltzer, and people will ultimately be better off for having the choice to do what they want with their bodies. So it’s only right to call out the hysteria around Four Loko’s new release for what it is: absolutely loco.
  • Lung Disease Outbreak Caused by Black Market, not Vaping

    August 27, 2019
    News media around the world have picked up on the story of “vaping-linked” hospitalizations. Most have omitted the fact that black market marijuana e-liquid has been identified as the culprit in some of these cases, while not a single case has been linked to nicotine-only e-cigarettes. Interestingly, most of those falling ill are in states where marijuana for recreational use is only available through the black market. 
  • Heretics in the Church of Tobacco Control

    August 23, 2019
    ​​​​​​​H.P. Lovecraft opined in 1931 that “if religion were true its followers would not try to bludgeon their young into artificial conformity, but would merely insist on their unbending quest for truth ….” Of all the professions in the world, one might think scientists would be most inclined to agree with this sentiment. But, as the case of Dr. Marewa Glover demonstrates, anti-tobacco research has become more religion than science, where anyone who dares to deviate from or even question the prevailing dogma is cast out as a heretic.
  • Debt Collectors Keep Credit Market Flowing

    August 20, 2019
    Debt collecting is a profession that gets little love, but given the social good done by debt collectors who operate ethically and follow the rules, maybe it’s time that we show them some affection. If not that, we should at least give them reasonable rules to play by—rules that would also benefit consumers and entrepreneurs who participate in the credit market.
  • VIDEO: Why Beer Sucks in Socialist Countries

    August 16, 2019
    The trend of younger voters allegedly becoming more favorable to socialism has alarmed and chagrined many observers recently, from members of the New York Post editorial board (“Socialism’s millennial fans don’t even know what it is”) to an Arizona Republic columnist writing in USA Today (“If millennials choose socialism, fine. Just don't make this mistake”).
  • Evils of 'Craving Engineering'

    August 7, 2019
    America is a decidedly liberal (in the sense of being tolerant) nation comprised of people with different­—often competing­—worldviews. As a culture, we value the ability to determine for ourselves what makes for a good life more than assurances that the life we choose to lead is, in fact, good. This unwavering American individualism is why we tend to reject overt attempts to control or restrain our choices.
  • Dietary Guidelines for Americans (Except Those with Eating Disorders)

    August 6, 2019
    The goal of the government's Dietary Guidelines for Americans is to provide simple advice that promotes nutritional health, but for millions of Americans it may do exactly the opposite. The recommendations, issued by the U.S. Department of Agriculture (USDA), may appear harmless. There remains, however, little evidence that the Guidelines have helped reduce obesity in America and some evidence that it may actually have made it worse.

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