Highlights Nevada’s SB391 targets institutional landlords without addressing the core cause of high housing costs: a severe shortage of homes. Investor activity, including institutional investment in single-family rentals, is not a driver of unaffordability and often improves housing quality and…
Read moreHighlights: Cass condemns foreign direct investment as selling off American assets, yet praises foreign-owned auto plants as industrial policy success stories. He critiques unions for undermining productivity but supports sectoral bargaining—a union-strengthening model. He dismisses critics of protectionism as fundamentalists,…
Read moreComments to House Committee on Financial Services Overview Defined contribution retirement plans, particularly 401(k)s, are the central vehicle for American retirement savings. Yet the investment options available to plan participants remain disproportionately concentrated in public markets. Institutional investors – including…
Read moreHighlights Under former CFPB Director Rohit Chopra, the agency published a rule that would more heavily regulate the use of consumer data. The CFPB proposed applying the strictures of the Fair Credit Reporting Act to data brokers, effectively regulating these…
Read moreHighlights: The International Association of Insurance Supervisors (IAIS) continues to exert outsized influence that conflicts with the U.S. state-based regulatory system, as evidenced in a draft report released Wednesday. IAIS is an international nongovernmental organization (NGO) that has no regulatory…
Read moreHighlights Private markets have grown to over $13 trillion, but retail investors are largely barred from investing in these asset classes. These markets are generally only available to institutions and “accredited investors,” or individuals with sufficiently high income or wealth…
Read moreHighlights The Consumer Financial Protection Bureau (CFPB) has been fatally flawed since its establishment in 2010. The agency has defied Congressional oversight by design, and has exerted outsized regulatory authority over the financial services industry. Last-minute regulations pertaining to overdraft…
Read moreHighlights A new report from the American Consumer Institute identifies risks that NGOs such as the National Association of Insurance Commissioners (NAIC) pose to consumers. The NAIC makes decisions behind closed doors, is exempt from standard nonprofit financial disclosures, and…
Read moreHighlights: The Federal Reserve's proposal to lower debit interchange fee caps will primarily benefit large retailers while increasing banking costs for consumers and reducing financial inclusion. Historical evidence, including studies from the Richmond Fed and the University of Chicago, demonstrates…
Read moreHighlights This morning, Oren Cass of American Compass criticizes conservative views on tax policy in The New York Times, a viewpoint that is substantially at odds with conservative policymakers and voters. Public comments from conservative policymakers and Pinpoint’s recent polling…
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