Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Review Commission’s Staff Report on the Texas Department of Insurance (TDI) rightly concluded that the “Legislature cannot judge the success of the shift to file-and-use rate regulation because the system has not been fully implemented.” Conditions have little improved since the report was issued.
Higher Education
Student-Athletes Are Not Employees
College athletics is approaching a crossroads. After years of rapid, sweeping change in student-athlete compensation practices that have left a patchwork of state regulation in its wake, some in Congress now propose to reclassify collegiate student‑athletes across the country as employees of their universities. While we sympathize with the desire to provide certainty and uniformity to student-athletes and universities, and although we see the need for some revenue-sharing framework, workplace regulation...
May 19, 2026