A change in homeowners’ insurance regulation passed by the 78th Texas Legislature goes into effect in December 2004. Because it transforms the state from a “flexible band” to a “file and use” regulatory environment, the law – SB 14 – in theory moves Texas closer to being a free market in insurance. In the context of the homeowners’ insurance market as a whole, this paper examines the hoped-for positive outcomes and potential pitfalls of SB 14, which includes a provision for “subsequent disapproval” rulings by the insurance commissioner.
Family
Temporary Assistance for Two-Parent Families in Texas: Reorienting TANF Toward Integral Human Development and Flourishing
Temporary Assistance for Two-Parent Families in Texas: Reorienting TANF Toward Integral Human Development and Flourishing Key points: TANF was designed to promote two-parent family stability, but current implementation in Texas diverts funds away from this core purpose. Strong empirical evidence shows that children in two-parent households experience better educational, economic, and behavioral outcomes. Texas TANF...
October 21, 2026