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.
Criminal Justice
Accountability, Transparency, and Public Safety: A Conservative Approach to Bail Bond Oversight
Texas’s fragmented bail system lacks oversight, allowing bondsmen to profit while repeat offenders cycle through release with little accountability. Statewide regulation would strengthen enforcement, improve data transparency, and better protect public safety across counties. Key Points The current regulations for bondsmen in Texas provides limited oversight and a lack of consistency, leading to incongruous enforcement...
July 27, 2026