Daily Policy Digest

Economic Issues

The Federal Housing Administration's Poor Loan Making

The Federal Housing Administration's (FHA) share of loans in serious delinquency has risen by 6 percent since 2011 and 12 percent of all FHA-insured mortgages in serious delinquency in 2012 were originated after 2010...

Trade Protectionism Is Bad Policy

Technical barriers affect 30 percent of international trade and more than 60 percent of international trade in agriculture products...

Proposals Could Foster Job Creation and Innovation within States

State lawmakers should review the compliance costs of regulations before they are implemented and provide businesses with flexibility...

Entrepreneurs and Young Firms Drive Economy

Politicians frequently claim that small businesses drive a majority of job growth but based upon econometric analysis, the more accurate expression is that young businesses drive growth...

Low Interest Rates Could Create New Housing Bubble

What seems like a housing recovery is actually the result of the government's recent efforts to guarantee almost 90 percent of new mortgage debt...

Why Saving Less Is Costly

The savings rate fell to roughly 6 percent in the late 1980s (from 8 percent in the early 1980s), to 4 percent in the 1990s and to almost 2 percent in 2007 before the housing collapse...

Licensing Requirements Are Biggest Barrier for Small Businesses

Forty percent of small businesses surveyed reported being subject to licensing requirements at more than one level of government...

Risky Loans Could Create Second Bubble

Loosening loan qualifications will help more first-time home buyers into a house, but if the homeowners begin to default, the economic recovery from the last housing crisis might falter...

Farmland: Yet Another Bubble?

With prices rising by double-digits in six of the last seven years, farmers are witnessing the value of their farms skyrocket -- Iowa land selling for $2,275 per acre in 2003 is now selling for $8,700 per acre...

Republicans Must Provide Clear Economic Outlook

Republicans need to provide a fresh outlook on the benefits of conservative economics while explaining the Great Recession in terms of the free market...


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