Recent Research: Finance, Insurance, and Real Estate

Modernizing Insurance Regulation

The Heartland Institute
May 31, 2007

Subprime Lending

Prepared by The Heartland Institute
April 25, 2007

A Constitutional Solution to Runaway Federal Spending

Mario Loyola

The protections for individual freedom in the Constitution of the United States have been significantly weakened since the 1930s. Through periods of GOP as well Democratic majorities, the federal government’s authority has increased at the expense of the states and the people. During this time, the federal courts have abdicated their role as guardians of the constraints on federal power, eliminating a vital check-and-balance of our Constitution.