Texas has the most heavily regulated title insurance market in the country. The Texas Department of Insurance sets the price and coverage of residential and commercial title insurance. The TDI also promulgates the division of premiums between title companies and agents. As a result, competition is eliminated from the title insurance market and costs are increased for both consumers and businesses.
Local Government
Tracking Local Government Debt in Texas: 2016 – 2025
Local governments in Texas have accumulated excessive public debt. Strict reforms are necessary to restore fiscal discipline. Key points: In fiscal year 2025, local government borrowing reached nearly $561 billion in combined principal and interest, which is $17,706 in debt per capita. From 2016 to 2025, total local debt rose from $331.8 billion to $561...
November 9, 2026