Texas’ outdated pursuit of “affordability” over fairness and solvency in insurance regulation over the last 10 years has been found to be wasteful and expensive-delaying innovation and reducing competition-leaving both consumers and taxpayers at risk. This paper provides four recommendations for modernizing insurance regulation in Texas.
Local Government
Texas Gave Cities a Tool for More Housing Affordability. Some Are Throwing It Away.
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,...
August 7, 2026