The Heartland Institute

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  • Privatization of Fannie and Freddie

    Published July 21, 2008
    Publication -
    Research and Commentaries -
    Fannie Mae and Freddie Mac are in dire straits.

  • National Flood Insurance

    Published July 15, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    The recent floods in the Midwest have devastated homes across seven states, evoking memories of the last devastating flood cycle of 1993.

  • A New Approach on Property and Casualty Insurance for the 21st Century

    Published June 26, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    Insurance is one of the key institutions that drives an economy. Without insurance to protect individuals from fraud and reduce financial risk, many of the business transactions we take for granted today would be impossible.

  • National Catastrophe Insurance Program

    Published June 19, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    Concerned about affordable homeowners' coverage in coastal areas, the national government currently is considering proposals to expand the its role in coastal insurance.

  • Research & Commentary: Student Loans

    Published June 6, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    The credit crisis has had a significant impact on all aspects of the economy. Banks have become increasingly risk-averse, raising their loan qualification standards to levels that many consumers are unable to achieve.

  • No. 118 Property & Casualty Insurance Report Card (pdf)

    Published March 17, 2008
    Publication -
    Policy Studies -
    This report card outlines the methodology and results of a joint Heartland Institute/Competitive Enterprise Institute project to produce a 50-state report card on insurance regulation.

  • Use of Credit Scoring in Insurance

    Published February 29, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    Insurers have the unenviable responsibility of crafting rate and premium structures that allow both profitability for shareholders and fairness to consumers.

  • Foreign Direct Investment

    Published February 15, 2008
    By Matthew Glans
    Publication -
    Research and Commentaries -
    Dear Friend: We live in a global economy. The economic livelihoods of every nation rely on the free movement of money and capital across national borders.

  • Modernizing Insurance Regulation

    Published May 31, 2007
    Publication -
    Research and Commentaries -
    The McCarran-Ferguson Act of 1945 ushered in the current era of state regulation of the insurance industry.

  • Subprime Lending

    Published April 25, 2007
    Publication -
    Research and Commentaries -
    Today, The Heartland Institute is releasing a new Research & Commentary package addressing subprime lending. Lawmakers are being called upon by consumer groups to restrict subprime lending.

  • Subprime Lending

    Published April 25, 2007
    Publication -
    Research and Commentaries -
    Today, The Heartland Institute is releasing a new Research & Commentary package addressing subprime lending. Lawmakers are being called upon by consumer groups to restrict subprime lending.

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