Recent Projects

Policy Integrity submitted comments to the Federal Housing Finance Agency (FHFA) on its proposal to increase the guarantee fees that Freddie Mac and Fannie Mae charge for single‐family mortgages in the states with the longest average time between default and a final foreclosure sale. This would mean that the costs charged to homeowners for mortgages will be higher in those states with the strongest judicial and regulatory protections against foreclosure.

Representatives of the fossil fuel industry have urged the D.C.Circuit to ignore standard methods of cost-benefit analysis and strike down the EPA’s Mercury and Air Toxics Standards. Not only does this EPA regulation reduce mercury emissions from coal- and oil-fired power plants, it also reduces harmful particulate matter air pollution, or soot. The benefits stemming from the rule far outweigh its costs, with net benefits to the American people estimated to be as much as $80 billion per year.

In compliance with the Dodd-Frank Act, the Bureau of Consumer Financial Protection has proposed mortgage regulations to address many of the concerns from the subprime mortgage crisis. Policy Integrity submitted comments to the Bureau on two mortgage servicing rules: (1) the RESPA Rule, which lays out requirements for how servicers must interact with the homeowners whose mortgages they service and (2) the TILA rule, which describes certain disclosures that mortgage servicers must send to their customers at particular points.

Policy Integrity submitted a letter to the EPA on its upcoming rulemaking regarding water quality permitting. The letter makes recommendations on improving the efficiency of EPA’s implementation and enforcement of the Clean Water Act.

The DOT and EPA finalized fuel efficiency standards today for cars and light duty trucks, increasing fuel efficiency to 54.5 mpg by Model Year 2025. The agencies calculate that consumer savings under the new standards will be comparable to lowering the price of gasoline by $1 per gallon by 2025.

The D.C. Circuit overturned an EPA rule that would have dramatically cut down interstate air pollution, ruling that the agency had exceeded its authority devising regulations affecting more than two dozen states.

Policy Integrity sent our report, Balanced Justice, to United States Sentencing Commission in response to its call for public comments on possible priority issues for forthcoming amendments to the Sentencing Guidelines. The guidelines are used to set a uniform sentencing policy for individuals and organizations convicted of felonies and serious misdemeanors.

Sadly, the idea that market forces can drive down the cost of public health regulation has lost favor in the past few years. The EPA’s long-delayed, first-ever greenhouse gas standards for new power plants (New Source Performance Standards or NSPS) offers an opportunity to make market mechanisms cool again.