Key Points
  • Consumer banking policies should encourage the increased availability of financial tools to unbanked and underbanked consumers, offer consumers a wide variety of investments and other financial services and enact safeguards to limit banks’ involvement in high risk investments.
  • Policymakers should prohibit political subdivisions from enacting lending ordinances or rules that would prevent persons from doing business with a political subdivision based on restrictions on lending practices.
  • The elimination of excessive housing regulations and increasing the production of affordable housing through free market mechanisms is an important component in encouraging economic growth.

The United States is among the most developed economies in the world. This has led to a standard of living that is simply unmatched throughout the world or throughout history. Even in such a developed and comparatively wealthy nation, policymakers still must allocate resources appropriately to encourage further economic development in their own communities and bring the benefits of a developed economy to their constituents. Encouraging economic development and adopting policies that promote that development rather than hinder it can mean an enormous improvement in the economic opportunity and quality of life for all people.

While there are myriad factors that contribute to economic development, making sure that businesses and individuals have access to capital is key. Capital and access to it is the catalyst for investment that drives job creation and economic security. Policymakers should also strive to ensure that businesses are not over-regulated. Overregulation costs the economy billions of dollars each year and hampers economic development by discouraging investment and entrepreneurship. Regulations should not proliferate to a point beyond reasonable public and consumer protections.

Creating a market-oriented housing policy that allows housing supply to fit demand and encourages the creation affordable housing through market forces can boost a state’s human capital and help to develop an area’s economy. As job opportunities grow, human capital must be there to sustain and benefit from the increased economic activity. Crafting polices that allow the most vulnerable among us to better themselves and their families by enacting common-sense housing reforms can be crucial in limiting people out of poverty.


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Model Policies

  • Resolution on Occupational Licensing Sunset Review

    Resolution on Occupational Licensing WHEREAS, [insert state here] oppose unnecessary and burdensome government regulations on commerce and individual citizens, and; WHEREAS, [insert state here] opposes the implementation of occupational licenses, certifications, and or registrations unless needed to protect immediate health, safety, or welfare of the public, …

  • Council on Efficient Government Act Sunset Review

    Council on Efficient Government Act Summary This legislation is designed to create a council on efficient government whose purpose is to ensure that each state agency focuses on its core mission and delivers goods and services effectively and efficiently by leveraging resources and contracting with private sector vendors if …

  • Public Employee Bargaining Transparency Act – Annual Meeting 2018 – Edits In PDF Draft

    Public Employee Bargaining Transparency Act Summary This model bill opens public-sector collective bargaining sessions and documents to the public. Model Policy A bill to amend the Code of [STATE] by adding a section related to transparency in public-sector collective bargaining. Section 1. {Short Title} This Act shall be known …

  • Resolution in Opposition to a Consumer Financial Protection Agency Sunset Review

    Resolution in Opposition to a Consumer Financial Protection Agency WHEREAS, Congress is considering legislation which would create a Consumer Financial Protection Agency (CFPA); and WHEREAS, the CFPA is a new federal agency that will increase spending and taxes during a time when our nation …

  • Resolution on Autonomous Vehicle Legislation and Regulation – Edits in PDF Draft

    WHEREAS, autonomous vehicles are motor vehicles equipped with technology that has the capability to direct a vehicle without real-time input or monitoring by a human operator. WHEREAS, autonomous vehicles greatly reduce human interaction with the direction of motor vehicles. WHEREAS, human error is a factor in approximately …

  • Constitutional Amendment Restricting the Use of Vehicle Fees and Taxes for Highway Purposes Sunset Review

    Constitutional Amendment Restricting the Use of Vehicle Fees and Taxes for Highway Purposes NEW SECTION: All fees collected by the State of {insert state} as license fees for motor vehicles and all excise taxes collected by the State of {insert state} on the sale, distribution or use of motor …

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Task Forces

Commerce, Insurance and Economic Development

Members of the Commerce, Insurance and Economic Development Task Force believe that economic freedom is the cornerstone of prosperity. The …