Elected Officials Can Lower Costs by Getting Involved in Utility Rate Cases
December 23, 2025 — Elected officials have the opportunity to utilize their platform and resources to address rising utility bills and bring transparency to the opaque process of setting customer rates. This guide outlines how lawmakers can monitor and intervene in utility rate cases to try to lower costs for constituents.
Morgan’s Monopoly Digest – Dec 2025
December 19, 2025 — July version of Economic Liberties' monthly newsletter that covers the latest with the federal antitrust agencies — the Federal Trade Commission and the Department of Justice's Antitrust Division — and other big developments in competition policy.
Model Legislation: The Independent Dental Practice Act
December 18, 2025 — This model legislation from Economic Liberties aims to give lawmakers a ready-to-use framework to protect patients and independent dentists from the corporate takeover of dentistry.
UnitedHealth Group Is a Bank: How Policymakers Can Protect Independent Physician Practices from Becoming Loan Shark Bait
December 18, 2025 — This analysis documents how UnitedHealth Group's FDIC-insured industrial bank, something that has largely been overlooked in debates over health care consolidation, has become another lever the company uses to push independent practices toward financial dependence, closure, or sale, often during moments of acute distress and volatility.
Within Earshot: Overcoming Barriers to Over-the Counter Hearing Aid Access
November 24, 2025 — This report explores why reforms to date have not produced widespread adoption and what steps policymakers and private actors can take to spur further use. Specifically, it provides an overview of the extremely consolidated hearing aid market; outlines barriers to broader consumer adoption, including consumer concerns about purchasing a medical device without the assistance of a licensed professional, retailer concerns about such consumer reluctance, and a widespread lack of insurance coverage for OTC hearing aids; and recommends policy solutions, including reversing the vertical integration in the hearing industry and eliminating its inherent conflicts of interests while expanding insurance coverage, particularly within Medicare.
Capital Crunch: How the Fall of Local Finance and the Rise of Shareholder Primacy Warped Single-Family Homebuilding in America — And What to Do About It
November 17, 2025 — This paper examines the shift in America’s homebuilding system from decentralized abundance to financialized scarcity, why these changes have made housing unaffordable for millions of people, and what policymakers can do to rebuild a financial system that supports competition, affordability, and the productive use of land. That includes helping smaller homebuilders access capital, preventing large corporations and investors from hoarding land and homes, pursuing targeted regulatory reforms, and blocking anti-competitive tactics that raise barriers to entry.