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.
Foreign Policy
Mexico’s Regime in the United States
Mexico’s Regime in the United States By: Alejandrina Elms and Melissa Ford Download the full paper here. Executive Summary Under the Sheinbaum Administration, MORENA has continued and expanded an organized U.S. political presence, including a nationwide organization strategy, political education efforts, public political activity, and documented interaction between its “foreign relations” apparatus and Mexico’s consular...
October 14, 2026