Texas has the most heavily regulated title insurance market in the country. The Texas Department of Insurance sets the price and coverage of residential and commercial title insurance. The TDI also promulgates the division of premiums between title companies and agents. As a result, competition is eliminated from the title insurance market and costs are increased for both consumers and businesses.
Ranked-Choice Voting: Overview and Model Legislation
The movement to adopt ranked-choice voting as a system for elections has been growing throughout the nation. It is a complex method of voting that has a disenfranchising effect and violates the “one person, one vote” doctrine. Key Points: Ranked-choice voting is slow, confusing, and complex. RCV violates the one person, one vote doctrine. RCV...