The Hill: Taxing Climate Change

As environmental catastrophes, like storms and earthquakes, appear more frequent, the ability of consumers to protect themselves from significant financial losses is more paramount than ever. But as American consumers, as well as state and local governments, prepare to cope with climate change, things will soon be much more expensive for consumers, in part due to […]

AI Can Provide a Solution to the Problem of Credit Invisibility

Today, around 26 million American consumers are considered credit invisible, meaning they do not have a credit record needed to obtain credit cards, a loan, or a mortgage even though they may be financially responsible. For Americans who are credit invisible, the use of artificial intelligence (AI) in determining credit worthiness would remove a substantial […]

Capping Interchange Fees Won’t Enhance Consumer Welfare

Each year, financial merchants such as Visa, Mastercard, American Express, and banks process 39.6 billion card transactions in the United States, amounting to 108.6 million transactions each day. To ensure these transactions are processed quickly and securely, financial merchants and banks impose interchange fees on transactions, more commonly known as swipe fees. Last year, merchants businesses paid financial […]

POLICY-ISH TALK: The PRO Act Explained – with Liya Palagashvili

What is the PRO Act? How would it affect independent workers? What are the alternative policies and social safety nets that would make sense and benefit the growing independent workforce? On this episode, Liya Palagashvili, Senior Research Fellow at the Mercatus Center at George Mason University, joins Kris to share her perspective on these important […]

The Hill’s Congress Blog: Infrastructure Policy Should Include Transition to Mileage-Based Fees

Washington policymakers continue their internal debate on how to best improve our nation’s infrastructure, be it through bipartisan legislation or budget reconciliation. With significant interest to generate revenue and a clear need to improve our road and highway systems, Congress must make real progress in transitioning away from the regressive gas tax and towards implementing a more equitable national vehicle-miles-traveled […]

Morning Consult: Reduced Rivalry in Mortgage Lending Will Cost Consumers

The leading wholesale mortgage lender as announced an ultimatum calling on independent brokers to be exclusive and not use other lenders. By forcing independent brokers to limit the options available to them, this ultimatum undermines the very principle on which the broker channel exists — shopping to find consumers the best rates and terms. This […]

Behind the Insurance Price Rise

Florida’s property insurance market is nearing collapse. This crisis is not caused by the billion-dollar storms that regularly hit the state but by unscrupulous attorneys who demand excessive legal fees to litigate claims in court. These legal actions have only homeowners in the Sunshine state facing double-digit premium rate increases on property insurance policies. Much […]

ACI Applauds Proposed Reforms To Florida’s Insurance Market

The Following is a Statement from ACI’s Policy Manager and Editor Edward Longe: “ACI praises the Florida Senate Judiciary Committee for advancing two bills that will provide much-needed reform to Florida’s insurance market. The State’s insurance market is currently facing a dual crisis of catastrophic storms and insurance fraud that are making policies unaffordable for […]

Press Release: ACI Launches New Podcast Series

The American Consumer Institute (ACI) is excited to announce the launch of our new podcast series Policy-ish Talk hosted by Kris Pusok, ACI’s policy and research director.  Each episode of the Policy-ish Talk will treat you to an in-depth conversation with policy experts, industry leaders, and top academics to explore today’s toughest social, economic, and […]