Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Advisory 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.
Article V Convention of States: Overview and Model Legislation
Since the adoption of the U.S. Constitution, the power of the federal government has grown beyond the bounds originally envisioned by the Framers. Key Points: Just 16% of Americans say they trust the federal government to “do the right thing.” Federal interference has had life threatening results, especially at the border. Poor federal policy has...