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Interest Rate Caps Harm Financial Inclusion; Bank Partnerships Spread Inclusion Around
The House Financial Services Committee held a hearing last week on small-dollar lending and proposed legislation that would limit the interest rates on such loans.
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This Week in Ridiculous Regulations
The impeachment trial ended the way everyone expected, the State of the Union address happened, and the coronavirus outbreak intensified. Agencies issued new final regulations…
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House Panel Hears Testimony on USE IT Act
On February 6, the House Energy and Commerce Subcommittee on Environment and Climate Change held a hearing on the Utilizing Significant Emissions with Innovative Technologies…
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Department of Homeland Security’s “Trusted Traveler” Programs Now Privilege Mexican Nationals over U.S. Citizens from New York
Late yesterday, it was reported that the Department of Homeland Security has suspended entry of New Yorkers into four “trusted traveler” programs. Today, the department…
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Fuel Economy Chaos – What Is it, Who Caused it, What’s the Cure
Automakers wanted easier rules and got more than they had the courage to ask for in the Trump administration’s Safer Affordable Fuel-Efficient (SAFE) Motor Vehicle…
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FCC Offers New, Promising Approach on TV White Spaces
Today, FCC Chairman Ajit Pai announced a new proposal on the use of television white spaces, unallocated bands or allocated and unused bands of spectrum…
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Trump Administration Expected to Adopt Socialized Medicine Drug Pricing Control Scheme
Regardless of the outcome of the Iowa Caucuses on Monday night, the successive presidential campaigns of Democratic Socialist Senator Bernie Sanders (I-VT) have dragged the…
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NBC/WSJ Poll: “Socialism” Not So Popular After All
NBC News and The Wall Street Journal just released a new poll that finds capitalism isn’t underwater with the American public just yet. Registered voters…
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House Energy and Commerce Democrats Release Omnibus Climate Bill
Senior Democrats on the House Energy and Commerce Committee released a discussion draft of their omnibus climate bill on January 28. The draft bill begins…
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House to Vote on PRO Act This Week
The House of Representatives is expected to vote this week on the Protecting the Right to Organize (PRO) Act. The legislation would essentially nullifies 28…
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This Week in Ridiculous Regulations
The impeachment trial continued, Brexit happened, President Trump signed the USMCA trade agreement, and the 2020 Federal Register topped 5,000 pages. Agencies issued new final…
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Worst-Case Emissions Scenario RCP8.5 Is Dead: BBC
BBC News last week rang down the curtain on the climate science fraternity’s long running malpractice of projecting climate change impacts using a worst-case emissions…
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Economic Planning and Dead Mall Legends
The kind of American chain stores and retail formats that dominated the second half of the 20th century have fallen on hard times in the…
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Trump Administration Better on Permit Approvals for Energy Projects than for Minerals Projects Like the Pebble Mine
The Trump administration is doing a good job reducing red tape and streamlining the permitting process for energy production and energy infrastructure projects, but on…
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Luddites, not Almond Milk, Pose Biggest Risk to Honeybees
A recent story in the Guardian alleges that almond growers are somehow uniquely responsible for substantial losses of honeybee hives, and that may eventually lead…
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Department of Energy Finalizes Process Rule for Appliance Efficiency Standards
There are a number of problematic Department of Energy (DOE) efficiency standards for home appliances. Perhaps worst of all is the one resulting in dishwashers…
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Study Projecting Net Carbon Dioxide Benefits through 2050 Defended
Last Friday on the Daily Kos, an anonymous blogger called “Climate Denier Roundup” (CDR) posted a hit piece on a new study by Kevin D.
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CFPB Takes a Step to End Regulation by Enforcement
After almost a decade of ambiguity, the Consumer Financial Protection Bureau has finally offered some clarity to its definition of what constitutes an “abusive” practice…
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Dangerously Inaccurate Reporting on Vaping-Linked Outbreak Persists
Coverage of the outbreak of illness linked to “vaping” has been handled poorly in general, but the New York Post's recent reporting is especially egregious.
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This Week in Ridiculous Regulations
The Federal Register had a four-day week due to Martin Luther King Day, but agencies still found time to issue new final regulations ranging from…
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Are the Climate and Capitalism at War?
Many contemporary environmentalists share two important beliefs: a) that anthropogenic climate change is the biggest threat to the future of humanity and b) that a…
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Trump Promotes Energy Abundance and Decries Prophets of Doom at Davos
President gave a powerful speech to the World Economic Forum in Davos, Switzerland, in which he challenged the politically correct platitudes and energy-rationing agenda that dominate discussion…
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House Republican Leadership Prepares Package of Climate Bills
Axios ran an exclusive interview with House Republican leaders planning a package of legislation to address climate change. According to the Axios story, the package will include…
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Dog Bites Man in Davos
J.P. Morgan Chase CEO Jamie Dimon recently said that “most state-owned enterprises don’t do a particularly good job.” The head of the world’s largest bank…
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New Study Projects Net Carbon Dioxide Benefits through at least 2050
The benefits of carbon dioxide emissions are likely to exceed costs over the next 30 years, according to a new study published in the journal…
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Divisions Between Bank Regulators Over Fair-Lending Revamp Highlight the Need for Outright Repeal
Despite hesitation from the Federal Reserve, the Office of the Comptroller of the Currency (OCC) has made clear that they plan to push forward with…
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CEI Leads Coalition in Support of the Revamping American Infrastructure Act of 2020
Today, CEI was joined by 10 other organizations in a letter to members of the House of Representatives supporting the Revamping American Infrastructure Act of…
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How Antitrust Intervention Backfires
Antitrust policy interventions into the market rarely work as intended.
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Was 2019 the Second Warmest Year, and What Does It Matter?
The temperatures we are experiencing are consistent with a modest warming, and we may be in the zone where modest warming is a net benefit.
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This Week in Ridiculous Regulations
In a busy week, President Trump signed Phase One of a trade agreement with China on Wednesday. On Thursday, the Senate ratified the USMCA trade…
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Warmest Decade – Climate Crisis Still a No Show
Is there good reason to believe climate change a “crisis” endangering the survival of civilization and the habitability of the Earth? No. If climate change…
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CDC Confirms Black Markets, not “Vaping,” Caused Outbreak
A new CDC report puts the final nail in the coffin of the idea that the spat of lung injuries that occurred beginning last summer…
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Senate Passes USMCA, Sets Bad Precedent for Future Agreements with China, UK, EU
The USMCA trade agreement passed the Senate today. USMCA is valuable damage control. Three years of unpredictable tariff increases, threats of increases, and diplomatic tensions…
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Phase One Trade Agreement with China: Tariff Stability, at the Cost of Managed Trade
Phase One of a trade deal with China has enormous value as damage control against further tariffs, but it comes at a cost. The Trump…
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New Mexico Taxpayers Foot the Bill for Union Business
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Despite Naysayers, Consumer Finance Panelists are Uniquely Qualified to Tackle Barriers to Financial Inclusion
Last week, the Consumer Financial Protection announced the membership of the newly created Taskforce on Federal Consumer Financial Law, which will work to “harmonize and…
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Minimum Wages Rise Across the Country
Twenty four states rang in 2020 with minimum wage increases. Most of the increases are modest, so the tradeoffs will be, too. But there was…
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This Week in Ridiculous Regulations
The new year started off with a literal bang, though as of this writing the worst Iran scenario seems to have been avoided. The Senate…
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EIA Projects Renewables Will be “Most Used” Energy Source in 2050—but …
“With the rapid growth of electricity generation, renewables—including solar, wind, and hydroelectric power—are the fastest-growing energy source between 2018 and 2050, surpassing petroleum and other…
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Trump Administration Rewrites the Rules for the National Environmental Policy Act
President Trump on January 9 rolled out new rules to implement the National Environmental Policy Act of 1970 (NEPA). NEPA was enacted in 1970, and…
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Brexit Update: Nigel Ashford and Iain Murray Offer Analysis
With the vote yesterday in the House of Commons to approve Prime Minister Boris Johnson’s plan for separating the United Kingdom from the European Union,…
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This Week in Ridiculous Regulations
Happy New Year, everyone. We’re doing a slightly different format this week, on account of the new year starting mid-week. With just two days’ worth…
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Proposed iHeart Media Acquisition Threatened by Antitrust Regulation
The Wall Street Journal recently reported that Liberty Media Corp, which already owns Sirius XM satellite radio, including its Pandora streaming service, and 33% of…
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Mitt Romney Made Millions off Cigarettes, Now He Wants to Kill its Competition
Though they (probably) aren’t car surfing or eating Tide pods, lawmakers and government bureaucrats are as susceptible to passing fads as bored teenagers. For government…
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Best Books of 2019: Year of Vindication for Mother of George Washington
August 25 of this past year was the 230th anniversary of the death of Mary Ball Washington, the mother of the first president of the…
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How Much Federal Regulation Was There in 2019?
Happy New Year, everyone. Now that 2019 is in the books, we have some data on how much new regulation hit the books. Note that…
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Best Books of 2019: In Defense of Openness
Most policy proposals for fighting poverty are zero-sum. The best way to help the poor, the argument goes, is to take from the rich. Van…
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This Week in Ridiculous Regulations
Federal workers got a three-day week as a Christmas present this year. Agencies still put out 323 notices, 50 proposed regulations, and 1,342 Federal Register…
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Best Books of 2019: Alienated America by Tim Carney
Tim Carney’s new book on social alienation and U.S. politics, Alienated America: Why Some Places Thrive While Others Collapse, raises the bar for Trump-era political…
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California’s New Privacy Law Will Harm Consumers and Innovation
The California Consumer Privacy Act (CCPA) goes into effect January 1, 2020. The law requires companies of a certain size that collect information on customers…