By allowing companies and consumers to freely contract with other, Texas would create regulatory certainty. This would in effect bring more insurance companies to Texas, increase competition, and bring down insurance rates for consumers.
Criminal Justice
Safer Communities Through Second Chances: The Case for Federal Expungement
When criminal records follow people forever, families struggle, employers lose workers, and communities lose productive citizens. Federal law offers almost no path to redemption, even though second chances strengthen public safety and the economy. Key Points The federal expungement system is effectively nonexistent. Permanent criminal records for non-violent federal offenses undermine work opportunities, family stability,...
September 15, 2026