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    New Jersey’s New Dealership Regulations Push Out Tesla, Prevent Competition

    In a move that is blatantly anti-competitive and anti-consumer, the New Jersey Motor Vehicle Commission (NJMVC) enacted regulations that, beginning April 1, would prohibit non-franchised, non-licensed businesses from selling vehicles in the state. The regulations would effectively prohibit Tesla manufacturers from selling directly to buyers in New Jersey. You can … More

    Volcker Rule Gets Stuck on Reality

    Slate seems to have picked up on a classic regulatory problem that relates to the (still being finalized) version of the new Volcker Rule. The problem? Regulations often sound reasonable but are practically impossible to implement. Officially, the 2010 Wall Street Reform and Consumer Protection Act (known as Dodd–Frank) required … More

    Penalizing Religious Belief: No Bed of Roses

    A Washington state florist is facing a lawsuit by the state’s attorney general because she desires to conduct her business in accord with the principles of her faith. Barronelle Stutzman, owner of Arlene’s Flowers and Gifts, is being sued by the state of Washington for refusing to provide flowers for … More

    New Evidence Reveals Vast Powers of Consumer Finance Bureau

    Tucked into the 232 pages of the May 31 Federal Register—the daily catalog of new regulation—was glaring evidence that the newly created Consumer Financial Protection Bureau (CFPB) will exercise nearly unlimited power over how Americans obtain credit and loans and manage their money. That it will do so absent accountability … More

    Happy Birthday, Obamacare? What it Really Means for Consumers

    Today marks the one-year anniversary of Obamacare. While advocates spend the week highlighting the new law’s effects on different groups of Americans, we are doing the same. A review of the facts on the ground and the conclusions of Heritage research over the past year reveals the far-reaching negative consequences. … More

    Breaking Health Care Research: After One Year, the Effects of Obamacare Are Grim

    This week marks the first anniversary of Obamacare. In response, Heritage analyst Brian Blase has provided a one-year checkup on the provisions that are already in place and the effects Americans are experiencing as a result. Obamacare’s more popular provisions were supposedly front-loaded, and liberals are taking full advantage of … More

    In the Green Room: Professor Todd Zywicki on Proposed Financial Reforms

    After the panel, Professor Zywicki, a Senior Scholar of the Mercatus Center and contributor to the popular legal blog The Volokh Conspiracy, sat down with us for an “In the Green Room” segment. We talked about the problems we face if Congress enacts the CFPA, the real causes behind our current financial crisis, and what principles should undergird real financial regulatory reform. More

    Consumer Financial Protection: An Alternative

    Creating a new “Consumer Financial Protection Agency” (CFPA), as proposed in the financial regulation bill now before the House, would raise costs for consumers, reduce the number and type of products available to them, increase the micro-management of financial services firms, and greatly increase the confusion caused by differing and … More

    Morning Bell: Don't Enable The Financial-Regulatory Complex

    This Saturday, tens of thousands of Americans marched on Washington to protest the unprecedented amount of power being concentrated in Washington, DC under the Obama administration. And even the New York Times admits they have a point: “The government is the nation’s biggest lender, insurer, automaker and guarantor against risk … More

    Moral Hazards are Not Something to Toy With

    The recently enforced Consumer Products Safety Improvement Act created many unintended consequences for toy manufacturers and oddly enough, even for your local library, but most of which, blinded parents’ sense of caution when it comes to buying toys for their children. This regulation, which went into effect on February 10, … More