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  • Comments to FEMA on Proposed Rule to Modify the Standard Flood Insurance Policy Under the National Flood Insurance Program

    The Federal Emergency Management Agency (FEMA) proposed a rule to modify the standard flood insurance policy under the National Flood Insurance Program by creating a new “Homeowner Flood Form,” which applies specifically to homeowners of single-family homes and owners of buildings with one-to-four units. The proposed amendments reflect sensible steps to simplify the standard flood insurance policy and to provide flexibility in coverage. We have suggested additional improvements to FEMA’s proposal and its underlying analysis.

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  • Comments to DOT on Accessibility Rule for Air Travelers with Disabilities Using Wheelchairs

    In March 2024, the Department of Transportation (DOT) proposed a multifaceted regulation that would facilitate greater access to air transportation for passengers with disabilities, particularly those who depend on wheelchairs and other assistive devices. Policy Integrity submitted comments to the agency arguing that, while DOT persuasively shows that the Proposed Rule carries many important benefits, the agency should improve upon its proposal and the accompanying benefit-cost analysis in several ways

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  • Policy Integrity Suggestions Reflected in DOT’s Final Rule Requiring Automatic Refunds of Airline Tickets

    On April 24, 2024, DOT issued a final rule on airline ticket refunds which, among other things, will require airlines to offer refunds when a passenger’s itinerary is significantly changed or delayed, and will require that passengers be given a ticket voucher if a serious communicative disease prevents them from flying. We submitted comments to DOT in November 2022 explaining that, in our view, DOT’s benefit-cost analysis was underestimating the benefits of these policies. DOT’s finalized analysis discusses our comments extensively, and implements many of our suggestions.

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  • Comments to CFPB on Regulation of Overdraft Lending by Very Large Financial Institutions

    In February, the Consumer Financial Protection Bureau proposed a rule that would regulate overdraft lending by very large financial institutions. Overdraft fees amount to billions of dollars a year, and those costs are disproportionately borne by low-income households. The Proposed Rule would narrow regulatory exemptions that previously enabled banks extending overdraft credit to avoid complying with the regulatory requirements otherwise imposed on credit products. The Proposed Rule reflects a well-reasoned approach to correct market failures in the overdraft credit market, mitigating harms to consumers. We submitted comments suggesting how CFPB should improve its analysis. 

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  • Policy Integrity Recommendations Reflected in Amendments to EPA’s RMP Rule

    In February 2024, EPA finalized amendments to its Risk Management Program (RMP), under Section 112(r) of the Clean Air Act, to better protect vulnerable communities from chemical disasters that release toxic air pollution. In line with Policy Integrity’s recommendations, the final rule has been strengthened relative to the proposal and includes considerably more attention to the issues of underreporting, unquantified benefits, and the risks of catastrophic incidents. EPA has further improved the final rule to include consideration of climate change-related hazards in line with Policy Integrity’s recommendation to cover climate change-exacerbated hazards in addition to climate change-caused hazards. This will be increasingly important as the risks and magnitude of future chemical incident damages will likely only grow as climate change exacerbates severe weather that can spur power outages and chemical disasters.

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  • Comments to CFTC on Voluntary Carbon Credit Derivatives Guidance

    In December 2023, the Commodity Futures Trading Commission (CFTC) proposed guidance that identifies key features of high-integrity voluntary carbon credits (VCCs) for exchanges that list certain VCC derivatives. The Institute for Policy Integrity submitted comments that highlight additional sources of CFTC legal authority over these derivatives and suggest improvements to the proposed guidance’s discussions of additionality, leakage risk, quantification, risk of reversal, and exchanges’ discretion to set stringent standards. Finally, our comments recommend that the CFTC explore whether it has other authority to address issues with VCC integrity and whether to seek additional authority from Congress.

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  • Comments to FTC on Proposed Rule on Unfair or Deceptive Fees

    In 2021, Policy Integrity submitted a petition for rulemaking to the Federal Trade Commission (FTC) calling for a ban on the use of drip pricing. After granting the petition, the FTC in 2023 proposed a Trade Regulation Rule on Unfair or Deceptive Fees (Proposed Rule). The Institute for Policy Integrity submitted comments with suggested edits and additions to the regulatory text to ensure that the Proposed Rule fully codifies FTC's stated objectives. Our comments also suggest several actions to strengthen FTC's breakeven and cost-benefit analyses. 

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  • Comments to FAA on Proposed Rule to Limit Orbital Debris

    In September 2023, the Federal Aviation Administration (FAA) proposed a regulation that would require commercial space operators to limit or dispose of their launches’ orbital debris within 25 years. While the Proposed Rule and its accompanying regulatory impact analysis reasonably explain why orbital debris is a problem and why regulation will help address it, we explain in our comment letter that FAA should take further steps to bolster its analysis.

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  • Comments to EPA on Proposed Regulation of Trichloroethylene (TCE)

    In October, EPA issued proposed restrictions on the manufacture, processing, and distribution of a chemical called trichloroethylene (TCE). We argue in comments that aspects of the agency’s Economic Analysis of the proposed restrictions could be clarified or expanded upon to better inform policymakers and the broader public about the benefits of ending TCE use.

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  • The Continued Need for SEC Action on Climate-Related Disclosures Cover

    The Continued Need for SEC Action on Climate-Related Disclosures

    How New California and E.U. Requirements Reinforce the Economic Case for the SEC’s Proposed Rule

    On March 21, 2022, the Securities and Exchange Commission (SEC) proposed a rule that would require SEC registrants (both domestic and foreign) to provide climate-related disclosures in certain SEC filings. Since the release of the SEC Proposal in March 2022, other jurisdictions, including California and the European Union, have adopted climate-related disclosure regimes. Like many federal rules, the SEC Proposal included an assessment of its costs and benefits. This report examines how the California and E.U. disclosure regimes may affect the baseline for that cost-benefit analysis and, consequently, the SEC’s assessment of the incremental costs and benefits of its proposal. Overall, we find that the new disclosure regimes do not undermine the economic case for the SEC Proposal; if anything, they bolster it.

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