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    CFPB Servicing Rules Are Excessive and Unauthorized

    The Consumer Financial Protection Bureau (CFPB) has imposed yet more regulation on the mortgage market, as required by the Dodd–Frank statute. The latest set of requirements and restrictions focuses on mortgage servicers, those who are hired by lenders to collect payments and manage other administrative aspects of home loans. Bureau … More

    EPA’s Jackson Leaves Legacy of Higher Costs, Less Consumer Choice

    Lisa Jackson will retire from her position as head of the Environmental Protection Agency (EPA) this month as the most prolific regulator of her class of Obama administrators. This is not a distinction to be coveted. Under Jackson’s leadership, the EPA has issued 1,824 regulations. For context, the Department of … More

    Businesses Agree: Regulation Is the Wrong Approach to Cybersecurity

    A new report by the Business Roundtable (BRT) affirms what Heritage analysts and other experts have been saying for years: Cybersecurity is best enhanced by information sharing, not more regulation. Indeed, it was because of disagreements over a regulatory approach that cybersecurity efforts failed in the last Congress. The new … More

    Morning Bell: Obama's Cap-and-Trade Scheme for Cars

    Ever since the Senate rejected President Obama’s cap-and-trade scheme in 2009, his administration has been hard at work to find other ways to implement a radical, environmentalist agenda. Obama made these intentions clear at a press conference in 2010 when he explained, “Cap and trade was just one way of … More

    The Top 3 Special Interests Expecting Favors During Obama's Second Term

    President Obama enjoyed support from some key constituencies in his successful reelection bid. Some of those groups are surely expecting to benefit from another four years of his Administration. Here are three groups likely to get some sort of payout during a second Obama term. Big Labor Labor unions have … More

    Tales of the Red Tape #37: NLRB Wrongs Property Rights

    One might reasonably assume that a legal corporation on American soil—in this case, Marriott—would have the right to decide when and where off-duty employees can access its property. You know, land of the free and all that. Well, think again. The National Labor Relations Board (NLRB) last month actually invalidated … More

    Morning Bell: Time for a True Opportunity Agenda

    Occupy Wall Street’s pathetic first birthday last week confirmed that the longstanding reports of the movement’s death have not, in fact, been exaggerated. So why are we keeping it alive by talking incessantly about income inequality instead of focusing on what really matters — opportunity and upward mobility? All this … More

    The Second Coming of Cap and Trade?

    The Obama Administration, at this sensitive time, is playing down its expansive regulatory agenda, but some insiders are predicting a new onslaught of costly rules—including the imposition of cap-and-trade schemes on industry. Although Congress rejected cap-and-trade legislation in 2009, the Environmental Protection Agency (EPA) remains intent on effectively rationing the … More

    Obama's Regulatory Agenda Goes Undercover

    Throughout President Obama’s tenure, the number and cost of major regulations has approached record levels—exceeding $46 billion in new annual costs during his first three years. The impact has been economically crippling, of course, notwithstanding the administration’s boasts of regulatory benefits. Yet the White House seems rather shy of late … More

    Morning Bell: Top 3 Small Business Struggles

    Small businesses are getting a lot of focus from politicians, because they are a key engine of job creation—which has stalled in the U.S. economy. A Republican National Convention theme of “We Built It” continued the political debate over the economy yesterday. A survey by the National Federation of Independent … More