It’s No Longer Safe to Ignore Cybercrimes

computer spy

The nation-state hackers breaching our government and private information systems are the same enemies we face in the physical world.  They are the same countries that demonstrate no respect for human life, and certainly none for privacy.  Although our laws give the military and law enforcement a monopoly on fighting back against cybercriminals, the weakness […]

More Rungs on Home Ownership Ladder

House

In the week ending April 18, 2015, the House passed H.R. 650, the Preserving Access to Manufactured Housing Act.  H.R. 650 makes helpful adjustments to Consumer Financial Protection Bureau (CFPB) regulations that govern mortgages commonly used to finance the most affordable homes, i.e. manufactured homes.  The House also passed H. R. 685, the Mortgage Choice […]

ACI in the Hill’s Congress Blog: Disasters Could Be Less Disastrous

flood

No region of the United States has a monopoly on catastrophes. Our communities are exposed to floods, hurricanes, tornados, earthquakes, droughts and fires. Some of us are more accustomed to seasonal flooding and high winds, and others to drought and fires. We never know precisely when they will arrive, but we know they will surely […]

Cyber Security Might Begin With Modest Legislation

computer theft

  Several data security bills are afoot in the House.  They identify obligations triggered by a cyber-breach of entities who collect and maintain personal information of individuals.  A congressional bill, H.R. 1770, defines personally identifiable information (PID) and requires notification of consumers whenever there is an important breach of PID that is stored by a […]

Reinsurance: Rational Move for Cat Fund and Florida

hurricane

The Florida Cabinet made the right decision by authorizing the Florida Hurricane Catastrophe Fund (Cat Fund, a government entity) to buy $1 billion of reinsurance as part of its $17 billion in claims-paying resources. The $1 billion of reinsurance was bought at modest cost and it will spread the cost of any calamity beyond Florida’s […]

Too Often, Government Unjustly Seizes Property

House

We are too familiar with government-imposed taxes on income, property and consumption.  But there is a sleazier class of economic attack favored by some in government; eminent domain seizures and civil forfeiture.  These seizures are narrowly focused on assets of an individual and conducted without the owner’s assent.  In some cases, the purported justification is […]

Consumers and Companies Should Work Together

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Last month, a thoughtful report on norms for digital intelligence (i.e. spy-work) was released.  It acknowledges that the public resents being targeted for excessive, clumsy surveillance.  On the other hand, it correctly stipulates that government needs effective intelligence collection in order to protect the public from powerful, secretive foes, including China, Russia, and Iran. The […]

Exploring Personal Injury Protection Reforms

brakes

Before 1972, if you suffered bodily injury in a car crash, you might need to show that you could pay your medical costs before treatment was given.  You might hire an attorney to sue the culprit for damages and after your eventual victory; you would split the damages award one-third to the attorney and two-thirds […]

ACI in Breitbart: Post Office Keeps Speading its Losses

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This piece discusses the United States Postal Service’s (USPS) financial situation — $50 billion in losses over the last eight years.  The fact is that USPS is making profits in some of its core activities, yet trying to use its postal monopoly to expand into new, but unprofitable, ventures — such as grocery delivery and financial services.  In the […]

Good Food for Consumers

crops

The food police’s laws have suffered heretical attacks lately.  Opposition toward peanuts by parents of young children seems misplaced.  The increased incidence of allergy is likely a consequence of parental choice in feeding the children.  The standard dogma on saturated fat versus unsaturated fat has been undermined by the National Institute of Health (NIH).  This […]