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  • The War on Coal: Collateral Damage Will Hit Non-Coal States, Too

    The combination of new Environmental Protection Agency (EPA) rules could likely end coal-fired power in the next 30 years. While the coal industry will be directly affected by the EPA’s proposal, many other industries will also feel the impact, and the economic pain will spread across the country. If the … More

    GSE Reform: Fannie and Freddie Revenue Distracting from Housing Finance Reform

    Despite what a growing number of voices are postulating, Fannie Mae and Freddie Mac have not returned to profitability. The two former government-sponsored enterprises (GSEs) are generating revenue, but it’s not because the U.S. housing finance system has been fixed. The three main reasons the GSEs are flooding the Treasury … More

    GSE Reform: FHFA Move to Crowd Out Private Mortgage Capital

    Newly appointed Federal Housing Finance Agency (FHFA) Director Mel Watt is delaying the scheduled increases of the guarantee fee that Fannie Mae and Freddie Mac charge mortgage lenders. This misguided move will discourage other firms from competing in the secondary mortgage market Fannie and Freddie charge this guarantee fee (or … More

    Union Integrity Act Protects Whistle-Blowers

    Last year, four truck drivers talked to federal investigators about safety problems at Gaines Motor Lines. A week later, they were fired. Now the Department of Labor has ordered Gaines Motor Lines to reinstate these whistle-blowers and pay more than $1 million in back pay and damages. While the law … More

    GSE Reform: Housing Finance Experts on the Future of Fannie and Freddie

    Nearly five years after one of the largest federal government bailouts in American history and the enactment of a colossal federal regulatory law (Dodd–Frank), policy leaders still wrestle with the question: How to end government guarantees in the U.S. housing finance system? To address this issue, Heritage analysts John Ligon … More

    Employee Rights Act: Protecting Workers from Union Overreach

    Sponsored by Representative Tom Price (R–GA) and Senator Orrin Hatch (R–UT), the Employee Rights Act addresses insufficient protections employees have vis-à-vis unions. The bill would guarantee employees the rights to: Vote privately in a secret ballot election before forming a union; Opt out of having their personal contact information provided … More

    Michigan Union Threatens Teachers’ Credit Scores

    Most people expect unions to protect workers, not attack their credit ratings. The Michigan Education Association (MEA) does not share these expectations. The union has threatened to damage the credit ratings of teachers who opt out of union dues. Michigan recently became a right-to-work state, meaning workers in Michigan no … More

    Federal Housing Administration Is Undermining Responsible Housing Policy

    The Federal Housing Administration (FHA) has discrepancies in its loan portfolio that are unlikely to be resolved anytime soon and will continue to pose a burden to the recovery of the housing market. With little more than $32 billion in reserves, the FHA has an estimated $70 billion in future … More