CEI has fought excessive regulation in the financial sector from laws such as Sarbanes-Oxley and Dodd-Frank. We have scored major bipartisan victories for deregulation. These include the Jumpstart Our Business Startups (JOBS) Act, signed by President Obama in 2012, that lifted or relaxed some of the biggest burdens preventing small and midsize firms from raising capital and going public; and the Economic Growth, Regulatory Relief, and Consumer Protection Act, signed by President Trump in 2018, that lifted some of Dodd-Frank’s crushing burden on community banks and credit unions. We continue to fight to remove regulatory barriers that limit choices and increase costs for entrepreneurs, investors, and consumers.
Banking and Finance Issue Areas
Featured Posts
RealClear Markets
Book Review: Norbert Michel & Jennifer Schulp’s ‘Financing Opportunity’
America is the wealthiest nation on earth, with financial markets that are the envy of the world. Those markets have contributed to America’s rise for…
Blog
House should follow Senate in slashing BBB’s remittance tax–or eliminate it entirely
President Trump has made it clear that he wants a budget reconciliation package on his desk by July 4. In its final version of the…
Daily Calller
Social Security Now Headed For Insolvency Even Sooner Than Expected
Daily Caller cited CEI’s experts on Social Security spending Congress can’t keep dodging entitlement reform. Social Security’s $28 trillion in unfunded liabilities is about the…
Search Posts
Op-Eds
Government Run-Health Coops Would be Different
Re: "The insurance co-op is already in your neighborhood," Aug. 19 State Farm is an admirably run insurer, but its structure may…
Washington Examiner
Nanotechnology: Innovation vs. Corporate Welfare
For the sake of consumers, nanotech firms should compete in the marketplace, not in Washington. Otherwise a vibrant, dynamic, and innovative sector risks…
News Release
CEI Suggests Questions for Florida Insurance Commissioner
Scholars at the Competitive Enterprise Institute, a free market think tank, today urged Florida Insurance Commissioner Kevin McCarty to accept Rep. Scott Plakon’s invitation to…
Washington Examiner
New Credit Card Law Punished Responsible People
If your credit is good, or your credit card balance is low, you may soon pay more on every credit card bill. Why? Congress…
Washington Examiner
The Anticipated Consequences of Credit-Card Reform
Study
Principles for Property Mitigation Discounts
Legislators should be wary of efforts to mandate specific mitigation discounts without paying attention to the myriad other factors that can play a major role…
Washington Examiner
Closing Reinsurance Tax Loophole Proposed in Congress
Washington Examiner
Don’t Ban but Expand Them
In proposing his new financial regulations this summer, President Obama pledged to get tough on the big Wall Street banks whose risky practices are…
Newsletter
Swiss bank settlement, Hurricanes, Healthcare debate continues
UBS agrees to turn over to the IRS the names of 4,450 U.S. account holders. …
Washington Examiner
Regulators Tangle With Think Tank Over Fla. Market Picture
Newsletter
The Future of Coal, Rose Friedman and Florida Insurance
Environmental activists try to shut down and limit the use of coal-fired power plants. Economist and author Rose Friedman dies at age 98. Florida’s insurance…
News Release
UBS Settlement Only a Partial Victory for the Feds
The following is the statement of John Berlau, Director of the Center for Investors and Entrepreneurs at the Competitive Enterprise Institute, in reaction to…
Blog
Legal Experts and Civil Rights Commission Attack Obama Health-Care Plan As Unconstitutional
Constitutional law professor Rob Natelson argues that Obama’s health-care plan is unconstitutional in four different ways. The U.S. Commission on Civil Rights…
Washington Examiner
State Farm Wants to Make More Money From Florida
News Release
CEI Critiques FL. Commissioner McCarty’s Insurance Report
CEI CRITIQUES FL. COMMISSIONER MCCARTY’S INSURANCE REPORT “The Same Misinformation in a New Package” TALLAHASSEE, August 17, 2009 – Florida Office of Insurance Regulation…
Blog
Tim Carney on State-Level Insurance Protectionism
In one regulated area of the economy after another, it’s exasperating to hear journalists and pundits claim that, “The market has failed,” when in fact…
Newsletter
TARP Transparency, Stimulating Recession and Union Arrogance
Congress cites a lack of financial transparency in a report sharply critical of the Troubled Asset Relief Program (TARP) bailout. The economies of Germany and…
Washington Examiner
Florida Lawmaker Rips Insurance Commissioner, Vows to Bring Back Rate Deregulation Bill
Newsletter
Banking Privacy, Media Bias and Sports Betting
Federal officials reach a bank privacy agreement with Swiss bank UBS. The death of news anchor Walter Cronkite sparks debate over the ideal of journalistic…
Washington Examiner
Lesson From France-Recession Ends Without US-Style Stimulus
Washington Examiner
Lesson From France-Recession Ends Without US-Style Stimulus
The recession has ended in France, which avoided adopting a massive stimulus package like Obama’s $800 billion stimulus package. France’s conservative President…
News Release
Federal Officials Reach Bank Privacy Agreement with UBS
Statement of John Berlau, director of the Center for Investor and Entrepreneurs at the Competitive Enterprise Institute, on a reported deal between the United States…
CEI Planet
TARP Transparency: A Good Start, but Not Enough
Herbert Allison is President Obama’s newly-confirmed head of the Treasury Department’s Office of Financial Stability. On Thursday, June 25, he promised to “emphasize transparency so…
Newsletter
EU Antitrust Rebuke, Record Deficit Numbers and the Costs of Global Warming Policy
European competition regulators get chastised for hiding evidence in a case against Intel. The Congressional Budget Office reports that the federal…
CEI Planet
Insurance Against Terrorism
After hijackers destroyed the World Trade Center on 9/11, taxpayers ended up spending a lot of money to aid the injured, rebuild public infrastructure, improve…
CEI Planet
Insurance Against Terrorism
CEI Planet
Limited Government Role Seen in Tackling Catastrophe Risks
Q: What role should the federal government play in setting natural catastrophe policy? The federal government certainly has a role to play…
CEI Planet
Overhaul State’s Mitigation-Discount System
State Farm’s decision to reduce government-mandated mitigation discounts seems severe. But it’s unlikely the company would have made it — and dealt with the…
News Release
Think tank questions denial of State Farm mitigation discount rate filing request
The Florida Insurance Project of the Competitive Enterprise Institute today questioned state insurance regulators’ decision to deny State Farm’s request to reduce mandatory discounts for…
Newsletter
Microhoo Scrutiny, Terrorism Insurance and Cooling Global Temperatures
Microsoft and Yahoo face antitrust scrutiny for their recently announced 10-year search agreement. The White House proposes scaling back a federal…
News Release
CEI Announces Second Annual ‘Out of the Storm’ Conference on Insurance Reform
The Competitive Enterprise Institute’s Center for Risk, Regulation, and Markets (RRM) announced today that they will be co-hosting a conference in New Orleans along with…
CEI Planet
Neal Reintroduces Offshore Reinsurance Tax Bill
CEI Planet
Health Reform Can’t Copy Auto Insurance
Republicans and Democrats have looked to auto insurance as a model for reforming an expensive health care system that leaves millions without coverage and…
Newsletter
Apple under Investigation, CEO Pay Limits and Hurricane Safety
The Federal Communications Commission investigates Apple and AT&T over the decision to spurn Google Voice on the iPhone. The House of Representatives passes a bill…
CEI Planet
Bermuda Insurers Hit Back at Controversial Neal Bill
CEI Planet
Changing Winds Aim at Insurance
Blog
Policy Translated: The Homeowners’ Defense Act
[youtube:http://www.youtube.com/watch?v=bmzVgg0tpmo 285 234]…
News Release
Bonus Pay Bill: CBO Predicts Huge Costs to Private Sector, Broad Swaths of Employees Affected
Bonus Pay Bill: CBO Predicts Huge Costs to Private Sector, Broad Swaths of Employees Affected Statement of John Berlau, Center for Investors and Entrepreneurs Washington,…
CEI Planet
US Reinsurance Tax Bill Branded “Anti Consumer”
CEI Planet
Pay Me Later
CEI Planet
Bill Closing Tax Loophole for ‘Offshores’ Introduced
News Release
Hurricanes, Dan Rather’s Media Plan and New Insurance Taxes
Global hurricane activity reaches a 30 year low, confounding predictions of more hurricanes caused by global warming. Retired CBS newsreader Dan…
CEI Planet
Beach Houses: Owned by the Rich, Paid for by Everyone
News Release
CEI Blasts Rep. Neal’s Reinsurance Tax Bill
A Senior Fellow at the Competitive Enterprise Institute, a free market think tank, today blasted Rep. Richard Neal’s (D-MA) introduction of a bill to impose…
Blog
Obama Health-Care Plan Will Harm People With Insurance, and Raise Taxes, Obama Adviser Says
Obama’s health-care plan is drawing criticism from one of his own advisers, Harvard University’s Martin Feldstein. In today’s Washington Post, Feldstein warns that…
Blog
Dems’ Health Care Bill Looking Weaker by the Day
For the Democrats still supporting the health care overhaul, the blows just keep coming. As if the financial problems I described in a previous…
Blog
Health Insurance Reform: look at what does and doesn’t work already
“One of the methods used by statists to destroy capitalism consists in establishing controls that tie a given industry hand and…
Newsletter
Cutting Back on Healthcare, Online Privacy and Front-Running on Wall Street
House Democrats debate how to cut healthcare costs as part of their effort to pass major new legislation. Online advertisers back voluntary industry guidelines for…
CEI Planet
Protection Is a Team Effort
Floridians, don't let the current lack of hurricane activity lull you into a false sense of security. As a low-lying peninsula jutting out into the…
Blog
Our Colleague Julie Called it “Subprime Healthcare”
I think that about sums it up.
