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December 5, 2018 by Alan Daley

Consumers’ Access to Credit

Consumers’ Access to Credit

During the past two years, American consumers have enjoyed vigorous economic growth.  Our second quarter GDP was 4.1%.  The beginning of November showed an annual wage growth rate of 3.1%, 7.4 million job openings, and an unemployment rate of 3.7%.  Those economic conditions welcome recent graduates and some of the marginally attached workers into employment. […]

Filed Under: Blog, Consumer Tips / Health, Finance / Insurance, Issues Tagged With: borrowing, consumer, credit, lending

January 19, 2012 by Alan Daley

The Hill’s Congressional Blog: Improving Small Business Access to Private Capital Will Create Jobs

On the surface, last month’s economic indicators introduce a dose of positivity into the market: the private sector added 200,000 jobs and the unemployment rate dropped to 8.5 percent, its lowest point since February 2009. But take a closer look and you’ll see that small businesses are still struggling to catch up, as tight access […]

Filed Under: Blog, Finance / Insurance, Issues, Technology Tagged With: capital, credit, credit union, innovation, jobs, small business

August 8, 2011 by Alan Daley

Emperor’s New Clothes – An Independent Assessment

Reminiscent of a Stasi leg-breaking, Argentina persecuted economists for publishing inflation estimates that exceed the banana republic’s official estimates.  Encouraged by those soul-mate vaqueros, Italian politicians started a regulatory shootout with S&P and Moodys for publicly saying a downgrade may result from Italy’s excessive levels of sovereign debt.  The spaghetti western ended a few days […]

Filed Under: Blog, Consumer Tips / Health, Finance / Insurance, Issues Tagged With: credit, debt, deficit, economy, spending

June 8, 2011 by Alan Daley

Ready. Shoot. Aim: The New Debit-Swipe Fees

Payment cards work well for most consumers.  Consumers pay for merchandise or service, and from the payment, the merchant pays a little to the network and a little to the bank who issued the payment card (a so-called interchange fee, or swipe fee).  The average debit swipe fee paid to the bank is about 44 […]

Filed Under: Blog, Consumer Tips / Health, Finance / Insurance, Issues Tagged With: banks, credit, credit unions, debit, finance, swipe fees

January 24, 2009 by Prof. Joseph Fuhr

Competition Drives Cost Savings in Auto Insurance

If one thing stands out from recent news reports on auto insurance in Georgia, it’s that economic regulation and rate review are not needed to protect the state’s consumers from rate gouging. With nearly 90 auto insurance providers in the state, Georgia consumers enjoy more competition and choice of auto insurance plans than they do […]

Filed Under: Finance / Insurance, Issues, News Tagged With: auto, consumers, credit, insurance, regulation, subsidies

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Welcome

Americans are facing challenges sometimes caused by questionable public policy and regulations that raise industry costs – both of which lead to higher consumer prices and fewer choices for consumers.  ACI's focus is to support concepts which spur competition, encourage innovation, create jobs and benefit consumers overall, while maintaining reasonable and necessary consumer safeguards.

We serve as an academic voice for consumers.  Our goal is to build awareness, survey consumer attitudes on public policy issues, facilitate discussion, and offer research-based solutions that have the best interest of consumers in mind.

We encourage you to sign up for our periodic updates regarding important state and national issues, share this website with family and friends, financially support our research, and check back for updated news and resources.  Feel free to contact us and let your voice be heard.

Is a 501(c)(3) nonprofit educational and research institute founded on the belief that consumers’ interests are not satisfactorily represented by the wide variety of advocacy and consumer organizations that often represent small subsets of consumers and special interests... Read More...

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