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Michigan

state of the United States of America

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  • White Paper
  • Policy Brief

    Transmission Without Representation

    The Senate permitting bill would vastly expand the Federal Energy Regulatory Commission’s power, letting unelected federal regulators site transmission lines over state, local and community objections, and could shift the cost of blue-state renewable mandates onto…

    Patrick M. Brenner  |  October 27, 2026

  • White Paper No. 15

    The Other Side of the Parchment

    What a Manhattan Larceny Trial Reveals About the Boundary McCarran-Ferguson Never Drew

    Patrick M. Brenner and Gregory A. Schroeder  |  October 10, 2026

  • White Paper No. 12

    Oklahoma’s Parchment Guarantee

    Two Oklahoma statutes point in opposite directions for a captive risk retention group, and seven years of enforcement built on the one a court later rejected still has not answered whether the company can pay its…

    Patrick M. Brenner and Gregory A. Schroeder  |  September 27, 2026

  • Op-Ed

    How Did a Nonprofit Become America’s Insurance Regulator?

    States have surrendered much of their power to a private organization with almost no transparency.

    Originally published inThe Wall Street Journal

    Patrick M. Brenner  |  August 28, 2026

  • Model Legislation

    NAIC Transparency and Accountability Act

    Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.

    Patrick M. Brenner  |  August 28, 2026

  • Policy Brief

    Regulation Without Disclosure

    What the GAO’s review of the NAIC means for insurance consumers.

    Patrick M. Brenner  |  July 29, 2026

  • White Paper

    Access Granted

    Nationwide, chambers of commerce have mislabeled legitimate data aggregation as phishing to cover for their own digital security failures.

    Patrick M. Brenner  |  June 21, 2025

  • Policy Brief

    Ensuring Accountability and Impact in Opioid Settlement Spending

    The $26 billion opioid settlement offers a once-in-a-generation opportunity to combat America’s deadliest drug crisis, if states and localities spend the funds transparently, strategically, and solely on opioid abatement.

    Patrick M. Brenner  |  April 15, 2025

  • Policy Brief

    More Nukes, Please

    A new reactor serves ratepayers — but not here.

    D. Dowd Muska  |  August 1, 2023

  • Policy Brief

    We’re No. 17.5! We’re No. 17.5!

    The latest research from the American Legislative Exchange Council offers more cause for optimism.

    D. Dowd Muska  |  April 17, 2023

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Southwest Public Policy Institute

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Southwest Public Policy Institute  |  Better living through better policy

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