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Minimum lot sizes, maximum costs
When Americans think about the housing affordability debate, they tend to picture cranes, lumber prices, or mortgage interest rates. It is certainly important to…
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Trump’s State of the Union: A closer look at the claims
Last night, President Trump delivered a State of the Union address filled with optimism, applause lines, and bold claims about the country’s direction.
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Red tape, green bribes: Deregulation as an anti-corruption strategy
Corruption in politics is often thought of in narrower terms, such as bribes, kickbacks, or high-profile scandals with millions of dollars of fraud. However,…
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Cut the steel, cut the cost: Why Congress is right to scrap the chassis mandate
If buying a home in the US feels more expensive, that is not merely your imagination. A Harvard University study found that national single-family…
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Congress should short-circuit the nation’s electric vehicle charging program
Congress recently finalized the fiscal year 2026 budget to end the partial government shutdown while spending billions of taxpayer dollars along the way. One…
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Congress keeps propping government-backed deposit insurance up, risk keeps rising
On Sunday, the Federal Deposit Insurance Reform Act of 2005 marked its 20th anniversary. This Act consolidated the Bank Insurance Fund and the…
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Full steam ahead: How 50 years of deregulation revitalized US freight rail
This week marks the 50th anniversary of the Railroad Revitalization and Regulatory Reform Act of 1976, better known as the 4R Act. For…
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From heavy hand to light touch: How CFPB rulemaking shifted in 2025
The Consumer Financial Protection Bureau (CFPB) was established in response to the 2008 financial crisis to serve as a watchdog over financial markets and…
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When airline competition gets squeezed, so do airline seats
Aircraft cabins are under more pressure than ever. With every inch of space accounted for, airlines are making increasingly visible choices about who gets…
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Trump’s credit card interest rate cap would kneecap everyday Americans
Credit cards are an indispensable tool in the modern economy. Most adults use them for everyday purchases, emergency spending, and managing cash flow. Yet…
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Burned by the sun: How tax incentives distort the residential solar market
As the clock struck midnight on New Year’s Eve, a much-hyped tax credit boosting the installation of solar panels on residential rooftops came to…
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Let’s resolve to repeal Durbin’s debit card interchange price controls in 2026
One safe New Year’s political prediction is that the fight between retailers and financial institutions over so-called swipe fees will continue. The debate has…
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Everyone hates congestion pricing…until it is shown to save time, air, and sanity
New York City is famously referred to as “the city that never sleeps.” The hustle and bustle that makes New York City iconic makes…
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Off the rails and behind the times: How FRA rules hinder automated track inspection
The railway system has long been the backbone of the American economy by connecting communities, supporting supply chains, and carrying passengers safely to their…