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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 Savings…
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HSAs: A silver bullet for the silver loading conundrum
After the longest government shutdown in American history — ostensibly caused by the expiration of the expanded Obamacare subsidies — Republicans have debated health care…
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CEI warns House committee of dangers of deposit insurance hike
Starting with our late founder and president Fred Smith, CEI has long warned of the risks posed by government-provided deposit insurance to the nation’s banks.
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Driver Monitoring Increases Accuracy, Lowers Insurance Costs
Believe it or not, insurance companies do not want to overcharge you. They want to charge just the right amount — as little as possible…
Study
Phase Out the National Flood Insurance Program
Full Document Available in PDF Since it emerged in its current form…
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Liberalize Homeowners, Automobile, Life, and Commercial Insurance Regulation
Full Document Available in PDF A confusing patchwork of state-level…
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Develop Smart Policies to Help Homeowners Deal With Natural Catastrophes
Full Document Available in PDF Natural catastrophes such as…
Op-Eds
Judge Should Have Struck Down Entire Law (Letter to the Editor)
This editorial about a federal judge striking down Obamacare’s individual insurance-purchase mandate rightly noted that the law lacks a severability clause. Because of…
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Why Insurance Rates Rise in Calm Seasons
This year’s hurricane season, which officially ended at the beginning of this month, was the third most active season on record for the Atlantic. However,…