A Few Good Ideas in the Administration’s Cybersecurity Proposal

computer theft

In a January 2015 legislative proposal on Cybersecurity, the Administration offered three suggestions on Cybersecurity. First, information sharing between the private sector and government on cyber threats has been a useful practice in some sectors since before 2007. The Administration wants that expanded. Secondly, some courts and law enforcement seem unsure of their authority to […]

ACI Statement on the Upcoming Cybercrime Hearing

credit card 1140x445

On January 27, the House Subcommittee on Commerce, Manufacturing and Trade will host a hearing to discuss solutions to the ever-growing problem of cybercrime. The Committee has recognized the need for a solution that could help alleviate the consequences consumers face in the event of a data breach. Chip and PIN technology is one such […]

Cooler Heads Abandon a Gas Tax Increase

oil drills

For the past 6 years, consumers endured economic bad news ranging from disappointing to terrible.  Their chance of finding a good new job is so dismal that millions stopped looking.  The middle-class saw their wages and salaries stall or declined.  Their financial net worth declined a shocking 19%.  For many, the value of their home […]

What Consumers Say about Internet Regulation


As the new Congress gets into high gear, net neutrality appears to be at the top of the agenda for many. President Obama saw fit to voice support for net neutrality in last night’s State of the Union, saying he intends “to protect a free and open Internet,” as well as mentioning improving broadband networks […]

Rigidity in Privacy, Transparency and Security

private sign 1140x445

There are persisting frictions among the public and policymakers regarding three privacy orientations: those who rank privacy above security, those who rank transparency of information above privacy, and those who rank security above privacy. These tribal orientations cannot be localized into “no go” neighborhoods, so we cannot “opt out” from the consequences of each orientation. The […]

Expecting a Crush of Lenders for Low Down Payment Mortgages?

empty wallet 1140x445

The most prominent obligation for federal bank regulators – the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, and the Controller of the Currency – is to avoid another taxpayer bailout as happened in 2008. The Troubled Asset Relief Program (TARP) infused $250 billion into banks to stabilize them.  The program was embarrassing to banks […]

Equal Access to Quality Teachers – Done Right


A decade ago, Congress urged states to eliminate the disparity that left low-income students without a highly qualified teacher.  The feds think holding a degree, a teaching license and a background in the subject being taught is enough to be “highly qualified.”  However, being highly qualified does not equate to actual effectiveness in teaching.  To […]

Net Neutrality Kleptocrats


Where is the compelling collection of dashed consumer hopes that justifies transforming the US Internet into a 1930s style utility?  There is no such catalog of damage.  Instead there is a chorus of stylish but paranoid emotions over blocked content or “open and free” communications or fictional startups’ potential need for regulatory protection from competitors’ […]

The Ticket Monopoly

ticket admission

Looking back at the holiday season, giving or receiving tickets to an event would seem to have been a great gift idea. It could have been tickets to a theatre play for your significant other, Christmas concerts with the family, playoff games with dad, and Christmas Foo Fighters tickets for your rebellious teenager. But this year’s […]