This week, Pinpoint Policy Institute submitted a formal comment letter (available here) to the National Association of Insurance Commissioners (NAIC) Credit Rating Provider (E) Working Group urging the deferral and redesign of its proposed CRP Due Diligence Framework, a proposal…
Read more"Last fall, I wrote about a small faction within the Retired Public Employees Association (RPEA) of California that was raising $350,000 for what it called a ‘forensic audit’ of CalPERS. The report was commissioned from Ted Siedle, a former SEC…
Read moreEarlier this month, an unauthorized third-party breached the National Association of Insurance Commissioners (NAIC) systems, exposing 2.1 million insurer regulatory filings PDFs, 40,000 quarterly filings, and over 45,000 licensed rating agency files from Moody’s Fitch, S&P, and others. To add…
Read moreEarlier this month, Colorado Governor Jared Polis vetoed Senate Bill 26-134, legislation that would have prohibited interchange fees from being charged on the sales tax portion of credit and debit card transactions. While supporters framed the proposal as a way…
Read moreHighlights: After two decades of litigation, a federal judge granted preliminary approval of the $38 billion Visa/Mastercard interchange fee settlement, delivering real merchant relief through the courts, not Congress. The settlement ends the "Honor All Cards" rule, cuts interchange rates,…
Read moreA new summary from the International Center for Law & Economics (ICLE) highlights the regulatory alarm around private credit, and concludes that the data do not support the current panic. Economists Lawrence Powell and Julian Morris broke down their recent…
Read moreA new white paper from the International Center for Law & Economics finds that life insurers with larger private credit allocations are stronger, not weaker, undermining the case for heavy-handed regulatory intervention. Using National Association of Insurance Commissioners (NAIC) annual…
Read more“Sen. Steve Daines (R., Mont.) is leading a group of Senate Republicans in support of a Trump administration proposal that would expand access to alternative investments in 401(k) retirement plans, arguing that American workers deserve access to the same investment…
Read moreThis week, Capitol Account reported on critics of the Trump Administration’s proposed rule which aims to expand access to alternative assets for the 90 million Americans with 401(k) plans, codifying President Trump’s executive order issued last summer. Specifically, they cite…
Read moreIn April 2025, Montana took a major step toward a more competitive economic future. With the signing of House Bill 337, Governor Greg Gianforte enacted the largest income tax cut in state history, advancing a broader strategy to attract investment,…
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