Texas has the most heavily regulated title insurance market in the country. Unlike most states, the government sets a fixed rate for title insurance, preventing competition for consumers’ business.
Property Rights
Restoring Private Property Rights: Regulatory Takings
Municipal regulations like zoning ordinances can infringe on private property rights and distort the housing market. Key points: Private property rights are under threat from municipal zoning ordinances and design mandates. Texas law has failed to adequately protect property owners from regulatory takings. By closing the municipal loophole, Texas can be the national leader in...
April 6, 2026