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Policy Analyst American Consumer Institute Center for Citizen Research Arlington, VA About the Organization The American Consumer Institute Center for Citizen Research (ACI) is an educational and research institute with a mission to promote economic welfare by improving the understanding and impact that public policies and regulations have on consumers in a free market. The […]

ACI Report Reveals Long-Term Consequences of Short-Term Interest Rate Caps

Today, the American Consumer Institute (ACI) released a new report anticipating negative effects on economic prosperity and opportunity in the case of government-mandated caps on short-term interest rates. An increasing number of states have restricted access to small-dollar loans with an interest rate of over 36 percent. Some federal legislators support extending that policy to […]

Coalition letter to Governor Hochul: S3081B is anti-taxpayer, anti-patient, and anti-free market

December 20, 2022 Dear Governor Hochul: As state and national organizations representing a wide range of U.S. taxpayers and consumers, we write today in opposition to S3081B, which seeks to impose penalties and pricing constraints for charging “an unconscionably excessive price” on any drug or medical product that the FDA has identified as being subject […]

ACI Files Comments on Department of Labor’s Proposed Worker Classification Rulemaking

Today, the American Consumer Institute (ACI) filed comments in response to the Department of Labor’s Notice of Proposed Rulemaking regarding the classification of workers as employees or independent contractors. ACI’s filing warns against a stricter standard for independent contractor status, considering the risks of denying freelancers access to a work structure they find satisfactory, restricting […]

ACI Study Reveals Florida Insurance Market Plagued by Attorney Fee-Shifting

Today, the American Consumer Institute (ACI) released a new study exposing the perverse incentives driving financial instability in Florida’s homeowner insurance market. The state’s generous fee-shifting policy has allowed attorneys to collect disproportionate attorney fees in assignment of benefit (AOB) lawsuits, encouraging more costly lawsuits. Today, Florida accounts for nearly 80% of the country’s insurance […]

ACI Statement: Congress should prepare to take action to keep supply chains running this holiday season

WASHINGTON — The American Consumer Institute issued the following statement: Just four freight rail employee unions are holding up a generous new collective bargaining agreement. Two thirds of freight rail employee unions support the agreement and over 70 percent of Americans believe it’s fair, but those last four unions’ refusal means America is at risk […]

ACI Files Comments on FTC’s Proposed Commercial Surveillance Rulemaking

Today, the American Consumer Institute (ACI) filed comments in response to the Federal Trade Commission’s (FTC) Advanced Notice of Proposed Rulemaking for new potential trade regulation rules related to digital commercial surveillance and consumer data privacy. ACI’s filing notes the importance of protecting consumers’ digital privacy while also critiquing the proposed rule’s overly expansive agenda, […]

ACI Statement: National Labor Relations Board vilifies Amazon for protected speech

WASHINGTON — The American Consumer Institute issued the following statement from President Steve Pociask: The National Labor Relations Board (NLRB) alleges that Amazon violated labor law when CEO Andy Jassy made broad, general comments about his thoughts on unionization in interviews with CNBC and Bloomberg. This complaint is unfortunate yet unsurprising from an administration that has continually […]

Job Opening: Policy Analyst (Washington, D.C. or Virtual Office)

About ACI The American Consumer Institute Center for Citizen Research (ACI) is a 501(c)(3) nonprofit educational and research institute with a mission to promote economic welfare by improving the understanding and impact that public policies and regulations have on consumers in a free market.  The Institute focuses on policy issues that affect society as a […]

ACI Statement: Fifth Circuit Court ruling on CFPB funding is a win for consumers

The American Consumer Institute issued the following statement from policy analyst Nate Scherer: In a ruling on Wednesday by the Fifth U.S. Circuit Court of Appeals, a three-judge panel rightly decided that the U.S. Consumer Financial Protection Bureau’s (CFPB) current funding runs afoul of the Constitution’s doctrine of separation of powers. The Fifth Circuit determined […]