We at CFIF have consistently highlighted the peril of federal, state and local government efforts targeting…
CFIF on Twitter CFIF on YouTube
New Study Shows How Overregulating Short-Term Lenders Harms Consumers

We at CFIF have consistently highlighted the peril of federal, state and local government efforts targeting the short-term consumer lending sector.

Less than two years ago, we specifically sounded the alarm on a New Mexico law artificially restricting interest rates on short-term consumer loans.

Well, a new study entitled "A New Mexico Consumer Survey:  Understanding the Impact of the 2023 Rate Cap on Consumers" that surveyed actual borrowers confirms our earlier warnings:

Key findings include:

•Short-term,small-dollar loans help borrowers manage their financial situations, irrespective of the borrower’s income.

•The rate cap has failed to improve the financial wellbeing of New Mexicans, specifically those who had previously relied on short-term, small-dollar loans.

•…[more]

November 27, 2023 • 03:57 PM

Liberty Update

CFIFs latest news, commentary and alerts delivered to your inbox.
Technology & Telecom
Title Filter     Display # 
# Article Title
1 Biden FCC Brings Social Engineering to the Internet

In today’s charged political environment, it’s important to avoid gratuitous hyperbole, lest one cultivate a “crying wolf” fatigue.   It’s equally important, however, to recognize and sound the alarm on grave new policy threats, lest they take root and inflict further harm upon American consumers and our economy…

2 CFIF Leads Coalition Letter Opposing Biden Administration Push for Broadband Rate Regulation

In a letter organized by the Center for Individual Freedom (CFIF) and sent today to U.S. Secretary of Commerce Gina Raimondo, nearly three dozen signatories representing more than 30 national and state free-market organizations expressed concern with the Biden Administration’s disregard for Congressional intent in its efforts to impose…

3 “Net Neutrality” Is Bidenomics for the Internet

Bidenomics continues to punish working Americans, sow uncertainty and imperil the U.S. economy.   That’s the leading reason why Joe Biden himself remains deeply unpopular, and his reelection prospects grow increasingly dubious.   According to the federal government’s own data, the Bidenomics agenda of heavy-handed…

4 Biden Administration Inexplicably Resurrects “Net Neutrality” Zombie

Joe Biden suddenly finds himself in a deep hole, yet his administration inexplicably prefers to keep digging.   His policy mismanagement has put him behind Donald Trump by ten points in a new ABC News/Washington Post survey, but he doesn’t appear interested in correcting course.   Instead, the Biden Administration now sets…

5 CFIF Opposes Attempt to Revive Failed Net Neutrality Rules

 WASHINGTON, D.C. – Federal Communications Commission (FCC) Chairwoman Jessica Rosenworcel today announced her intent to pursue net neutrality regulations once again.  In response, Center for Individual Freedom president Jeffrey Mazzella released the following statement: “Calls for so-called net neutrality are the product…

6 Elon Musk Should Tell EU Censors to Bugger Off

If Elon Musk truly believes that Twitter is a front in the "battle for the future of civilization," he has a chance to prove it. The Biden administration has already threatened to investigate Musk on multiple occasions, which isn't surprising considering its unprecedented antagonizing toward free expression. Democrats like Sen. Elizabeth…

7 Welcome Respite from Inflation: Internet Service

Across broad swaths of our economy, inflation continues to punish working Americans.  It now significantly leads the list of most urgent issues confronting the United States, with over 8 in 10 respondents in a separate survey reporting that it has caused hardship to their households in the past month.   According to the federal government…

8 New Studies Reconfirm: Light-Touch Internet Regulation Fuels Superior U.S. Performance

The sweeping term “American Exceptionalism” encompasses myriad manifestations, from unrivaled innovation to prosperity to international altruism.   The primary wellspring for that exceptionalism throughout our history remains our comparative orientation toward free markets, individual liberty and limited government.  …

9 Y2K Redux: FAA and Airline Sector Scare Tactics Obstruct 5G Rollout

Remember the Y2K scare?   Twenty years later, it elicits a wry nostalgic smile.   At the time, however, a sizeable number of technologists warned of widespread chaos as the year 1999 became 2000.  Because many computer programs in use at the time only allowed two digits instead of four to mark the year, some claimed that…

10 CFIF Supports Senator Roger Wicker’s Call for Rehearing on Biden FCC Nominee Gigi Sohn

ALEXANDRIA, VA – In a welcome development, Senator Roger Wicker (R – Mississippi) this week called for a rehearing on the Biden Administration’s controversial nomination of Gigi Sohn to sit on the Federal Communications Commission (FCC).  Senator Wicker has raised potential ethical concerns regarding Ms. Sohn after reviewing…

11 Wireless Carriers Press Forward Against Aviation Bureaucrats on 5G Rollout

Federal government incompetence, bureaucratic intransigence and crony capitalism are nothing new, and we’re already witnessing more of each as 2022 begins.   Private industry standing up against that incompetence, intransigence and crony capitalism, however, mark a refreshing and all-too-rare break from the norm.   At issue…

12 New Report: Light-Touch Regulatory Policies Allowed U.S. Broadband Infrastructure to Flourish Amid Pandemic

It’s a familiar adage that airplanes taking off and landing safely don’t make headlines.  It’s only news when one doesn’t.   Or, citing another adage, “If it bleeds, it leads.”  Where there’s no blood, few notice.   For public policy purposes going forward, however, it’…

13 Here We Go Again: Another Federal Agency Interferes with the 5G Rollout

  It’s like Bill Murray’s movie “Groundhog Day,” but not nearly as funny.   Yet another federal agency - this time the Federal Aviation Administration (FAA) - is needlessly contesting 5G deployment, apparently more concerned with protecting its bureaucratic turf than allowing the United States to launch this…

14 U.S. Senate Must Reject Biden FCC Nominee Gigi Sohn

Few quarters of American society absorbed the Covid shock serviceably, but the U.S. internet service sector offered one welcome example to the contrary.   Internet service actually improved over the course of the pandemic despite an onslaught of online traffic, and even today offers a rare exception to inflationary pressures infecting the…

15 Government Broadband Is Government Cheese

"Government Cheese" is free cheese of suspicious quality produced for those on the dole.  It is usually rated grade “B” or “C” by the USDA, and therefore unfit to sell at market.  It is made from milk that is near to being out-of-date and the result is a very hard, funky cheese of totally unnatural color.&…

16 Coalition Urges Common Sense on Broadband Infrastructure Spending

The Center for Individual Freedom (CFIF) last week joined a coalition of more than 30 free-market organizations and individuals on a letter to Congress advocating “specifically against proposals that would enact price controls, dramatically expand agency authority, and prioritize government-controlled internet.” The letter, which was organized…

17 CFIF Joins Coalition Opposing the BRIDGE Act, Legislation that Would Fail to Close Digital Divide

ALEXANDRIA, VA – The Center for Individual Freedom (CFIF) today joined a coalition of nearly two dozen free-market organizations on a letter opposing the Broadband Reform and Investment to Drive Growth in the Economy (BRIDGE) Act, introduced by Senators Michael Bennet (D-Colorado), Rob Portman (R-Ohio) and Angus King (I-Maine). The…

18 Coalition to FCC: Broadband Subsidies Meant for Truly Unserved Areas, Not Some of Nation’s Most Well-Connected and Wealthy Communities

In a letter submitted today to the Federal Communications Commission (“FCC” of “Commission”), a broad coalition of national organizations and individual policy experts from across the ideological spectrum noted widespread concerns about the accuracy of the FCC’s broadband maps and called the Commission’s attention…

19 Biden’s Broadband Boondoggle

By now you’re likely familiar with Joe Biden’s muddled and cynically expansive definition of “infrastructure,” in his transparent effort to cram an endless variety of left-wing wish list items into a $2 trillion spending package to be paid by American taxpayers.   For her part, Senator Kirsten Gillibrand (D &ndash…

20 CFIF Submits Formal Comment on NIST Proposed Rule Regarding Bayh-Dole Act of 1980

Last week, the Center for Indvidiual Freedom (CFIF) submitted a formal Comment with the U.S. Commerce Department's National Institute of Standards and Technology (NIST) on its Proposed Rule regarding the Bayh-Dole Act of 1980, which granted universities, nonprofit organizations and small business the right to patent and license inventions…

21 California’s “Net Neutrality” Law Already Raising Alarm by Imperiling Veterans

Well, things promptly took an ugly turn out in California, as they often do.   It’s amazing how quickly government campaigns to regulate internet service under the disingenuous “Net Neutrality” banner beget harmful unintended blowback.   In the latest debacle, California’s “Net Neutrality” law…

22 Justice Thomas: Sooner or Later, Courts Will Rule on Social Media

It started as one of those ridiculous controversies of the Trump era. In May and June 2017, then-President Donald Trump blocked a few Twitter trolls who were criticizing his tweets. The next month, those trolls, backed by Columbia University's Knight First Amendment Institute, sued the president, alleging that blocking them on Twitter violated the…

23 Biden Administration Shrinks from California “Net Neutrality” Challenge

With the Biden era dawning, we’ve reached a nihilistic societal point when leftists and other government interventionists don’t even attempt to advance public policy arguments based upon verifiable history, facts or evidence.   The latest illustration arrived this week, when the Biden Department of Justice (DOJ) abandoned the…

24 So-Called “Net Neutrality” Threatens a Zombie-Like Return

If you wondered how things might get worse than 2020, Bloomberg has your answer.  It reported this week that so-called “net neutrality” activists just replied, “Hold my beer”:   A Democratic Federal Communications Commission is poised to restore net neutrality rules and move aggressively to expand broadband subsidies…

25 FCC Chairman Ajit Pai, Among the Trump Administration’s Best Appointments

If asked to identify President Trump’s finest and most effective appointments, most people would reflexively name Supreme Court Justices Neil Gorsuch, Brett Kavanaugh and now Amy Coney Barrett.   To be sure, that sterling trio is already delivering positive returns by minimizing the influence of the increasingly scornful and popularity…

26 FCC and Chairman Ajit Pai Vindicated on "Net Neutrality" by Court, Experience

Remember the so-called “Net Neutrality” debate?   In fairness, Americans shouldn’t be blamed for cleansing it from their minds.   Its Orwellian name alone offended any sense of logic, considering that a heavy-handed, 1930s-era, crony-capitalist, utility-style, interventionist federal regulation of internet service…

27 “Net Neutrality”: Pandemic Vindicates FCC Chairman Ajit Pai

Among its other byproducts, the coronavirus pandemic has exposed the asininity of casting every item in leftists’ exhaustive policy wishlist in life-or-death rhetorical terms.  After all, there’s nothing like an actual existential threat to re-contextualize cheap partisan overuse of the term “existential threat,” from…

28 Federal Court Rejects Activist Lawsuit, Approves T-Mobile/Sprint Merger

Economies across Europe, China and much of the world continue to suffer stubborn economic malaise.  In contrast, the United States continues to flourish amid a renewed economic agenda of deregulation and lower taxation.  Free market forces, not sclerotic bureaucracy, have once again proven themselves the optimal path to prosperity. …

29 CFIF Testifies in Nebraska in Support of Capping Cable Franchise Fees Statewide at 3%

TESTIMONY OF TIMOTHY H. LEE SENIOR VICE PRESIDENT OF LEGAL AND PUBLIC AFFAIRS CENTER FOR INDIVIDUAL FREEDOM HEARING ON "LB1046 - CHANGE PROVISIONS RELATING TO TAXES AND FEES ON COMMUNITY ANTENNA TELEVISION SERVICE" BEFORE THE   NEBRASKA LEGISLATURE COMMITTEE ON TRANSPORTATION AND TELECOMMUNICATIONS FEBRUARY 11, 2020 Good…

30 Three Years In, FCC Chairman Ajit Pai Epitomizes Trump Appointment Successes

On November 6, 1988, two days before that year’s presidential election pitting George H. W. Bush against Michael Dukakis, George Will penned a commentary entitled “The 5,000 Reasons for Voting for Bush.”  In that piece, Will cogently explained how – whatever one’s ambivalence or even distaste toward the candidate…

 
Page 1 of 3
Notable Quote   
 
"It is tempting to dismiss COP28 as the Super Bowl of virtue signaling. But that would be to ignore the massive damage being done to our country by the unrealistic and costly climate policies of the Biden White House. The administration's wrong-headed 'leadership' on phasing out fossil fuels, which currently provide nearly 80% of U.S. energy, is a highlight of COP28; their policies are making Americans…[more]
 
 
— Liz Peek, Fox News Contributor
 
Liberty Poll   

What grade would you give the Biden administration thus far regarding all aspects of its approach to the Hamas/Israel conflict?