Florida’s Insurance Repair Shenanigans

ghost house

Each year some Florida homeowners deal with wind damage or flooding from faulty plumbing or similar unforeseen mishaps that are covered under an insurance policy.  Naturally, water removal and roof repairs often need immediate attention to lessen the spread of the damage. Homeowners are usually stressed when they call for urgent help from a tradesman […]

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 […]

USPS Should Focus on Delivering Mail

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Last year, the United States Postal Service (USPS) began plans to expand its delivery capabilities, moving into the grocery delivery business in a test markets. It started with a partnership with Amazon Fresh in San Francisco, delivering groceries in the early morning hours to customers. Now, the Postal Regulatory Commission has signed off on further […]

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 […]