TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
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,...
Housing affordability is one of the Lone Star State’s – and greater Houston’s – most pressing challenges. Recent estimates suggest Texas’ statewide housing shortage exceeds 300,000 homes, applying upward pressure on rents and prices in ways that squeeze working households, young families, and seniors looking to downsize. The gap is especially severe for first-time homebuyers,...