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This blog is a test of ethical character, the most important part of a human being. 

Visitors willing to read the entirety of this blog without getting bored or offended deserve credit, ranking near the top in an important character trait, unlike mass destructive individuals treating politics as infotainment and as opportunities to engage in fanatical, knee-jerk, poorly reasoned grandstanding. 

They likely understand that creating beneficence and accurately weighing good points are most important in ethics, aided by real meritarianism, not the ersatz meritarianism of power.

The public policy prescriptions on this site would provide at least two quadrillion dollars in economic benefits and prevented costs, including opportunity costs, over the next 200 years, much more in other ethical benefits.

Energy Policy Recommendations

Provide federal matching funds to build US roundabouts at locations having the highest expected values. Limit mean costs to no more than $305,000 per roundabout.

Eliminate fuel economy rules (CAFE) for vehicles. 

Ban the carbon offsets, cash-for-clunkers, cap-and-trade, and similar financial industry scams.

Create a nine cents per pound federal sales tax on motor vehicle fuels derived from fossil fuels. Increase the tax with the CPI plus one cent per pound each month for 22 years, then continue to increase with the CPI. Break off trade relations with any non-OPEC nation that does not enact similar or larger Pigouvian taxes on motor vehicle fossil fuels. Create a $21 per ton of carbon emissions negative externality tax on fossil fuel generated electricity from utilities. Increase the tax with the CPI plus three dollars each year for the next 26 years, then continue to increase with the CPI. Offset the regressive effect of this and other Pigouvian taxes by gradually eliminating the 15.3 percent payroll taxes on productive work, using taxes on negative externalities for Social Security and healthcare.

Slap escalating with prices taxes on imported fossil fuels costing greater than 31 percent more than the costs of production and transportation. Encourage other nations to do likewise, adding additional negative externality taxes on imports from nations that refuse.

Require non-nuclear ships and boats above 800 metric tons, docked in US ports, to go cold iron, except when facing onshore electricity outages, sailing within 2.5 hours, and or testing engineering machinery.

Create electronic vouchers to energy inspect and weatherize utility using United States buildings not already inspected and or weatherized. 

Mail, with instructions, to every United States household: an Ambient Orb, Kill-A-Watt, electric mattress pad, mini power minder, and window bubble wrap for Christmas.

Ban NIMBY lawsuits and HOA regulations restricting the use of energy conservation practices and non-fossil fuel sources of energy, along with state and local government regulations doing the same.

Create a GPS air traffic control system.

Eliminate the fraud riddled Energy Star program. Ban Energy Star labeling on products. 

Repeal the Jones Act, requiring US built ships for domestic shipping. Eliminate the harbor maintenance tax on domestic shipping.

Approve the construction and use of well-designed, well-regulated fast breeder reactors and nuclear energy facilities.

Legalize the licensed adults only use of licensed four wheel vehicles not passing federal passenger safety standards on roads and private properties having speed limits under 26 miles per hour.

Repeal the 25 percent tariff on imported light trucks.

Require government buildings to avoid using air conditioning to cool spaces below 71 degrees and to avoid heating spaces above 68 degrees, except when sufficiently beneficial for scientific or medical or military or shelf life storage reasons.

Eliminate tariffs on non-fossil fuel energy equipment, including rechargeable batteries and other energy storage equipment.

Require new electric vehicles to have standardized connections to charging stations. Require charging stations to charge competitors' electric vehicle models.

Provide federal funds to construct additional freeway ramps when the overall benefits outweigh harms.

Prohibit state, local, and judicial entities from blocking energy relevant projects and policies approved by Congressional and or executive branch entities.

Repeal the Energy Policy Act of 2005. Repeal the misnamed Energy Independence and Security Act of 2007.

Require mineral and fossil fuel extraction entities to create and sufficiently fund negative externality escrow accounts to pay for remediation of harmful leaks and land pollution caused by their activities.

Create mandatory minimum sentences of at least one day of hard labor for each $20 of harms caused by energy grid attacks, plus mandatory minimum lifetime hard labor sentences for energy grid attacks causing deaths, the same for attacks on energy grid equipment manufacturers and distributors, likewise for attacks on shipping, railroads, and trucking.

Enact these nuclear energy reforms.

Prohibit government entities from requiring vehicle purchases through dealerships and other middlemen.

Ban government entities from charging electric streetcar and cable car companies for street maintenance.

Prohibit government entities from blocking private construction of and or operation of energy projects having prior legal approval, except when new evidence beyond a reasonable doubt arises that such projects will cause at least three times as many harms as benefits.

Implement the Seams electrical grid policy conclusions.

Ban states from closing rest areas, except for short-term repairs. Auction empty land in large rest areas for gas stations and charging stations.

Pass the Atomic Energy Advancement Act.

Prohibit states from banning the sale, purchase, licensing, and registration of Federally approved hybrid and internal combustion engine vehicles obtaining at least 22 city and 28 highway miles per gallon. 

Prohibit states from banning the sale, purchase, licensing, and registration of Federally approved non-internal combustion engine vehicles.

Prohibit regulators from issuing command and control vehicle sales and purchase requirements by vehicle energy source type.

Prohibit tax expenditures for motor vehicle sales, rentals, and or purchases. 

Require proof beyond a reasonable doubt that the benefits of any government-funded charging station outweigh the costs before funding such construction.

Pass the Energy Permitting Reform Act of 2024. 

Amend the Energy Policy Act of 1992 to eliminate most of its provisions, except the toilet rules.

Move all federal motor vehicle manufacturing regulatory entities to the Department of Energy. Prohibit state motor vehicle manufacturing regulations.

Prohibit government entities from requiring environmental impact statements for new nuclear reactors using previous US proven safe or improved designs. Rely on environmental assessments instead. 

Pass an improved version of the Building American Energy Security Act of 2022, including removing parts contradicting this website.

Prohibit government entities from paying resource extracting entities to extract fewer resources.

Eliminate most government mandates requiring private energy conservation.

JT Fournier, last updated March 28, 2024

Foreign Policy Recommendations

Vaccinate at least 98 percent of children worldwide for measles. Provide insecticide sprayed mosquito netting to at least 98 percent of individuals in malaria prone areas.

Bellagio Study Group: Spend 2.5 billion dollars yearly for prevention and treatment of malaria worldwide, four billion dollars yearly for treatment of other childhood illnesses. 

Per Bjorn Lomborg: Spend $60 million each year to provide micronutrients to 140 million undernourished children. 

Per the Stop TB Partnership: Provide DOTS tuberculosis treatment to almost all TB victims. Provide hepatitis B vaccinations to high risk individuals. Increase research for dengue fever prevention and treatment.

Ethically fund, oversee, regulate, and enforce a global plan to end tuberculosis by 2030.

Create a $4.1 billion fund to conduct bio-prospecting research and development of medically beneficial substances in biological hot-spots, provided any beneficial substances discovered during the prospecting enters the public domain.

Create coordinated import controls of imported oil, so prices do not skyrocket when glitches occur.

Prohibit US government foreign aid, except aid for illness prevention, medical treatment, anti-dysgenic family planning, and defense from current and or likely future aggression. Require such aid in goods and or services, not money. 

Require delivery of aid to relevant impoverished individuals, not gangs, oligarchs, government officials, and other likely free riding attempts, except military goods and services delivered to non-corrupt officials.

Ban all US state, local, and or federal government funded and or insured loans to foreign and or multinational entities. Prohibit US government entities from insuring and or bailing out entities holding bad loans from foreign and or multinational entities.

Prohibit US partnerships, US corporations, US insured entities, and multinational entities employing US citizens from making loans to foreign governments.

Prohibit imports from entities failing to meet at least the minimum ILO health and safety standards. Prohibit imports from entities failing to pay purchasing power parity adjusted minimum wages greater than half the US Federal minimum wage.

 
William Greider: eliminate parts of trade agreements with anything similar to NAFTA's Chapter 11.

Require Peace Corps employees to have beneficial, relevant ethical, scientific, and or technical expertise. Prohibit the Peace Corps from sending any US citizen abroad to perform low skill labor.

Break off trade relations with nations requiring death, imprisonment or corporal punishment for sexual preference status.

Ban any foreign and or multinational entity from suing any US entity for libel and or slander in any US court. Ban any US entity from upholding any foreign libel, slander, and or speech crimes against US entities.

Implement the Copenhagen Consensus 2012 prescriptions.

Replace many import bans from highly unethical global and foreign entities with large negative externality taxes on imports from those entities. Encourage US allies to do likewise.

Require strict oversight of all foreign aid.

Prohibit state, local, and Federal government employees from having romantic and sexual activities with non-US citizens.

Donate and administer 16 million malaria vaccinations per year.

Withdraw US funding for and membership in the club for oligarchal dictatorships, also known as the United Nations, including voluntary contributions, except activities with sufficiently high expected values, including anti-dysgenic policies and positive eugenic policies. Sell the UN building to private entities.

Ban donations of taxpayer money to NGOs engaging in political activism, except to foreign NGOs during wars declared by Congress.

Defund USAID political programs.

Increase funding for beneficial randomized, active controlled studies, using researchers with excellent knowledge, track records, and willingness to examine all relevant factors. Require publication of all such studies, to reduce publication bias. Increase funding for replication research of such studies.

Create a federally funded internet tube channel or site teaching antitrust, helpful technologies, ethical reasoning, anti-corruption tactics, positive practices to spread beneficial genes, health practices, dysgenics prevention, methods of democracy, and other beneficial subjects, having selectable subtitles in dozens of common languages, correctly defining eugenics as increasing the percentages of genes producing beneficial long-term ethical consequences, defining dysgenics as increasing the percentages of genes producing harmful long-term ethical consequences.

Conduct a randomized, active controlled study of copper alloy plated silverware to prevent dysentery and food poisoning. Do likewise for copper alloy plated plates. And again for copper alloy interior plated drinking water receptacles. Do a study of eating utensils heated to at least 165° Fahrenheit prior to eating. Do efficacy studies of differing methods of hand washing.

Ban the export of tobacco products. Ban the foreign sale of liquor and tobacco products using brand names originating in the US.

Prohibit current or former US corporations, nonprofits, millionaires, billionaires, and trillionaires from giving financial and or material assistance to primarily political foreign and or multinational entities.

Increase research on push-pull pest mitigation plants and practices.

Ban waste disposal of non-rag, non-hazardous, non-undergarment serviceable clothing. Require used, serviceable clothing, including footwear, to be sold or given to other entities, including international charities.

Increase incentives in the Priority Review Voucher program to increase development of cultural and medical interventions having high expected values but low profitability.

Pass the Desert Locust Control Act.

Prohibit US enforcement of non-compete, non-disclosure, and or non-solicitation agreements with private entities that operate in non-democratic countries and or in countries that block self-determination of non-aggressive groups.

Prohibit secret investor-state dispute settlements. Require Congressional approval of dispute settlement arbitrators. Prohibit lawsuits seeking payments for profit losses caused by fiscal and or monetary policies. 

Withdraw from parts of treaties containing unethical claims.

Prohibit companies from countries opposing democracy, self-determination, and or basic workers' rights by non-aggressive entities from participating in US financial securities exchanges, along with companies from countries waging wars of aggression.

Prohibit exemptions to US labor, safety, and environmental regulations in so-called free trade zones.

Prohibit foreign and multinational donations to and purchases from nonprofit entities operating in the United States, except nonprofit entities devoted to providing food, housing, and healthcare to low income individuals.

Pass the Foreign Extortion Prevention Act.

Ban US government entities from constructing buildings in other countries having fewer than 8.5 equivalent air changes per hour, except emergency, ad hoc military buildings.

Sign an international agreement reducing corporate taxes in exchange for creating government non-voting, non-managing shares in corporations, thus reducing incentives for tax evasion and tax avoidance strategies.

Eliminate almost all tax avoidance de minimis loopholes on imported goods. Reduce the duty-free threshold on goods carried by international travelers from $800 to below $50. Prohibit tax exemptions on tobacco and drinking ethanol products.

Create an alternative to the World Trade Organization. Exclude China, Russia, Belarus, North Korea, and Sharia countries from membership. Exclude countries refusing repatriates. Withdraw from the World Trade Organization.

Prohibit tariffs on majority US owned business goods and services created within 1,250 miles of the 48 contiguous US states.

Prohibit US government entities from funding social science research outside the United States, except research directly relevant to US foreign policies and or international economics, including military policies.

Prohibit US government funded entities from paying ransoms and or extortion fees.

Recruit as many nations as able to sign an international treaty gradually phasing in progressive Pigouvian tax shifts, having automatic fines and or other sanctions on countries violating the treaty.

Prohibit US government funded terrorism and insurgencies, except  against declared enemies during wars declared by Congress.

Repeal the McCarran-Walter Act. Repeal the Hart-Celler Act. Repeal the Immigration Control and Reform Act of 1986.

Prohibit Federal foreign policy entities from practicing government paid domestic propaganda.

Increase the corporate overall effective Global Intangible Low-Tax Income tax rate to 17 percent.

Prohibit government contractors, including parent companies and subsidiaries, from having annual net profit margins greater than 8.6 percent, except companies receiving annual individual waivers approved by at least two-thirds of Congress. 

Require contractors to keep accurate records of costs and revenue, subject to surprise inspections by relevant government entities of all their business activities.

Eliminate offshore research and development tax avoidance and tax evasion incentives.

Make the national median annual household income the maximum annual salary for government employees, except elected officials and skilled government employees in fields having mean private sector salaries above the national median household income. To reduce free riding incentives, make the median national household income the maximum salary at USAID.

Withdraw from long-term ethical harm causing international agreements.

Withdraw from treaties involving refugees and asylum seekers.

Repeal the International Emergency Economic Powers Act.

Prohibit foreign entities, individuals born outside the United States, and hostile foreigner influenced multinational businesses from purchasing US dams, schools, utilities, farmland, pipelines, refineries, water rights, media entities, electrical plants, defense contractors, fuel tank farms, residential real estate, providers of secure government communications, and providers of essential government software starting soon, including voting and or controlling interest in such entities.

Amend the Trade Act of 1974 to remove language permitting presidents to unilaterally impose tariffs.

Ban US government assistance to foreign schools and or to US students attending foreign schools, except to US citizen students attending foreign US government accredited human medical field or veterinary field schools, costing less than a quarter of similar US schools.

JT Fournier, updated April 9, 2025

Health Policy Recommendations

Create a federally funded, universal, non-corrupt, insurance free, free to enroll health care system open to all US citizens, locally administered, employing medical workers receiving hourly wages, with strict state and federal oversight, charging $5.25 for prescriptions, $12 for physician appointments, $15 for tests, $40 per night for hospital stays, $180 for emergency room treatment, and $15 for most other medical treatments. Require healthy non-payers to perform one hour of community service per $8.10 owed. Permit those wanting to pay for other health care at private facilities that option. Eliminate Medicare, Medicaid, and the prescription drug so-called benefit. Fund comprehensive family planning, including free IUD installations. Legalize citizen re-importation of non-mood altering prescription drugs. Provide for $15 each: eye exams, hearing exams, dental exams, dental x-rays, fillings, and extractions. Permit teenagers access to birth control without parental or guardian approval. Give FDA approval to Plan B. 

Provide CDC recommended vaccines at no charge to patients.

Provide free to patients preventative care providing more overall benefits than harms, including ethical harms and economic costs.

Require children to receive all shots and vaccines recommended by the CDC for children, including hepatitis B vaccinations and vitamin K shots for newborns, along with an Epstein-Barr vaccine once one gets approved, except children with significant medical exemptions. Provide seasonal flu vaccines free to citizens. Require all foreign entrants to the US to have the same vaccines before entering the US.

Create a national registry on how individuals fare after surgeries and other treatments.

Larry Zaroff: Create a nationwide database of drugs prescribed to patients. Make the database available to working pharmacists and those permitted to write prescriptions.

Shannon Brownlee: Create "a new Institute for Effective Medicine. It would serve as a new, independent source of research dollars for medicine. It would provide independent evaluation of data generated by industry. And it would oversee the creation of clinical practice guidelines, a manual of proven best practices for physicians... without industry influence."

Increase Federal medical treatment research, development, and production by at least three percent plus the inflation rate each year for the next 40 years. Use the money to find and implement non-patentable treatments with the highest benefit-cost ratios, sometimes studying the effectiveness of substances lacking patents in new medical applications, comparing the cost effectiveness of all relevant treatments.

Cut the patient population size adjusted numbers of federally funded lower back surgeries by at least 37 percent, tonsillectomies by at least 72 percent, hysterectomies by at least 40 percent, asymptomatic endarterectomies by at least 51 percent, c-sections by at least 35 percent, carpal tunnel surgeries by at least 76 percent, knee replacement surgeries by at least 31 percent, pacemaker implant surgeries by at least 15 percent, angioplasties by at least nine percent, gallbladder removal surgeries by at least eight percent, radical prostatectomies by at least 36 percent, myringotomies by at least 42 percent, inferior vena cava filter implant surgeries by at least 22 percent, non-malignant colorectal polyp surgeries by at least 43 percent, hip replacement surgeries by at least 21 percent, renal artery stenting by at least 84 percent, knee chondroplasties by at least 99 percent.

Cut the percentage of episiotomies to less than six percent of live births.

Prohibit makers and distributors of drugs or medical devices from giving gifts to anyone in the medical industry, except first, second or third degree relatives.

Slash the number of evidence free medical procedures, for example, as proposed here.

Require anyone with a trivial, medically insignificant complaint, who demands an ambulance or emergency room treatment, to pay out  of pocket or perform 20 hours of community service or serve three days in jail (if they fail to pay or show for community service).

Increase non-patentable federal funding for pathogenic vaccine and addictive drug vaccine research, development, and production by at least 100 percent.

Increase federal funding for pain management research and education by 90 percent. Double the number of federally funded pain management clinical trials.

Implement a 70 percent negative externalities VAT on meat, except poultry, sardines, freshwater farmed fish, and destructive non-farmed animals such as nutria, feral swine, Asian carp, and constrictor snakes. Implement a 40 percent VAT on poultry. Create a 60 percent VAT on non-meat food products that provide more than 14 percent of their calories from sugars and non-sugar refined flour. Ban the retail sale to children under 17 of foods having more than 14 percent of their calories from sugars.

Fully fund the Johns Hopkins Clinical Compound Screening Initiative to test existing drugs for efficacy against illnesses they were not developed to help.

Require drug makers to remove drugs from the market when follow up studies indicate harms outweigh benefits. End federal funding for treatments with overall harms outweighing overall benefits.

Prohibit rebates for pharmaceuticals and medical devices.

Amend relevant privacy laws to collect, analyze, and publish price and quality data on doctors. Pass the National Medical Error Disclosure and Compensation Bill, creating a national database of medical errors, along with researching injury prevention and implementing injury prevention programs.

Require medical field schools to increase the number of nursing school graduates by at least 85 percent, medical school graduates 78 percent, and other medical field graduates 68 percent to qualify for federal health care funds and financial aid. Continue changing numbers of medical field graduates in proportion to population changes. Create one national medical licensing board. 

Prohibit medical field workers from working more than 15 straight hours, except during medical emergencies. Require such workers to leave their work places for at least nine hours after shifts end.

Increase funding for Toxoplasma Gondii research.

Reinstate the US entry ban on HIV positive individuals and others testing positive for pathogens likely to cost citizens more than $1,000. 

End the ban on stem cell research. 

Increase funding on flu vaccine research and production by at least $200 million per year.

Stockpile 460 million doses of smallpox vaccine, enough for every citizen and for non-Americans at places of outbreaks.

Provide Federal funding to produce and distribute vaccines costing fewer than $40 each from production to patient delivery, leaving no purchase cost for recipients.

Legalize irradiation for all legal foods.

Separate prisoners with lethal contagious pathogens from the rest of the prison population. Prohibit prisons from hiring guards having lethal contagious diseases.

Permit pharmacists, phlebotomists, paramedics, pharmacy technicians, and emergency medical technicians to administer vaccines.

Require government purchasers of pharmaceuticals and medical supplies to act as buyers' cartels, demanding cost efficient prices.

Require dietary supplements to comply with FDA drug laws, banning the sale of any not complying.

Allow competent adults to sell their body parts and to sell their future cadavers. (Bruce Gottlieb: 2,300 people a year die waiting for kidney transplants. Kidneys from dead people last eight years. Kidneys donated from the living last 17 years. Dialysis costs $40,000 per year for those waiting for a transplant.)

Increase Federal community housing funding and placements for mentally ill homeless individuals.

Ban intellectual property claims on medical treatments developed in part with government funds.

Require vaccine researchers and manufacturers to create challenge studies, recruiting study participants at least 99 percent unlikely to suffer death or long-term disabling adverse events, during vaccine lacking viral pandemics at least 40 percent likely to kill at least 80,000 Americans. Incentivize vaccine manufacturers to produce pandemic relevant vaccines as soon as relevant phase II vaccine trials begin, even if some vaccines fail to gain eventual FDA approval and must be discarded.

Require general practice medical prescribers to suggest patient appropriate doses of naltrexone to their patients in early stages of unhealthy, excessive weight and patient appropriate naltrexone to their patients unable to afford other weight loss medications. Require medical prescribers to prescribe naltrexone upon their competent adult patients' requests.

Encourage national pandemic vaccine and medication distributions based on expected values when shortages exist, roughly infection fatality rates plus permanent disability rates, times probabilities of infections, times remaining life expectancies for subgroups, with age, work, gender, health histories, numbers of individuals living together among the factors used for classifying subgroups, putting mass destructive people last: billionaires, elected officials, lobbyists, national TV news people, financializers, college administrators, retired politicians, pro sports folks, oligopoly executives, and Hollywood executives.

Fund research on many mask types, various mask air gap closing devices, and masks dried after soaking in hydrophilic solutions.

Permit probate judges to require daily antipsychotic medications for mental illness caused psychosis, regardless whether such mentally ill individuals pose a threat to themselves or others.

Require new smart phones and computers to have important health information apps and extensions pre-installed, including personalizable pandemic information.

Require quarantine detainees to participate in ethical medical research.

Prohibit products from being advertised as health enhancing, except when having approval by the FDA and having suggestive evidence from replicated, independent, controlled clinical trials.

Require the FDA to approve or not approve treatments based on ethical expected values. Require the FDA and pharmaceutical manufacturers to recommend dose sizes with greatest known situational ethical expected values, not greatest profit values, not lawsuit avoidance values, not arbitrary rules.

Ban government entities from charging sales taxes, excise taxes, and value added taxes on FDA approved pharmaceuticals, except aspirin and acetaminophen. Prohibit government entities from charging sales taxes, excise taxes, and value added taxes on medical masks and pulse oximeters and nicotine gums and blood pressure machines and air filtration equipment sufficient to filter corona viruses and most other airborne virus particles.

Prohibit pharmaceutical and medical device manufacturers from charging US entities more for each medication and or device than the mean they charge entities in other countries having per capita incomes above $14,000 per year.

Place organ donation stickers on all driving licenses and state ID cards. Require individuals to opt out if they do not wish to donate organs. Place opt out individuals lower on lists to receive organ donations.

Require 72-years-old and older drivers to pass written and road driving tests once every two years.

Prohibit the importation of medical use masks that fail to block at least 93 percent of virus-size particles.

Permit licensed pharmaceutical prescribers to prescribe mifepristone and misoprostol. Reasons: little danger, earlier abortions rather than more and later abortions.

Require all acetaminophen tablets to contain low doses of N-acetyleysteine to prevent overdoses.

Allocate at least $30 million annually for the study and development of 18-mc, noribogaine, and similar drugs.

Make tianeptine a federal Schedule II drug.

Require dietitian and secondary health classes to emphasize the benefits of intermittent fasting, low carb-high fiber foods, and avoidance of becoming overweight throughout life, given the research suggesting the rarity of individuals being able to lose weight and keep it off, along with avoidance of processed meats.

Require all new mattresses and couches to have at least 16 point font visible advisory labels that side sleepers should sleep with their lower legs dangling off. Require all new mattresses to have at least 16 point font visible advisory labels that side sleeping on mattresses softer than extra firm harms backs.

Provide federal funds to make medical field faculty pay competitive with private sector pay.

Prohibit the addition of phosphorus to corporation manufactured processed foods.

Require post-secondary schools to increase the ratio of medical field students to faculty.

Implement these pathogen testing policies.

Require each new adult size bed sold in the US to have at least one open end, so legs may hang off.

Mail at least 14 reusable KF94 or N95 masks to each United States citizen above the age of eight.

Make 80 years hard labor the mandatory minimum sentence for individuals trying to creating new pandemic pathogens or reviving pandemic pathogens from the past.

Ban food advertising, except by food retailers owning or renting fewer than 14 buildings. Prohibit all radio and television food advertising.

Prohibit the importation of medical use masks from China.

Prohibit private and government funding for any virologist or related scientist and their research, who has made public claims supporting pathogen gain of function research or made public claims defending the so-called right of scientists to pursue research with negative ethical expected values.

Eli Dourado and Joanne Peng: "areas that the NIA could invest in include building tools for understanding molecular mechanisms of aging, establishing and validating aging biomarkers, and funding more early-stage clinical trials for promising drugs."

Ban human hospitals and medical clinics from being owned by for profit entities.

Ban alcohol and tobacco advertising. Prohibit the sale, manufacture, and importation of tobacco products containing more than 0.3 percent nicotine by mass.

Prohibit states and local governments from banning mask mandates of building owners and managers.

Test more cancer drugs on humans, including many that failed on mice.

Prohibit snowboarding, Alpine skiing, mountain climbing, and rock climbing for individuals under age 18. 

Require approved helmet wearing by participants at snowboarding, Alpine skiing, mountain climbing, and rock climbing facilities.

Prohibit for-profit dentistry services by businesses and individuals unlicensed to perform those services, including veneer tech services.

Terminate FDA drug export license requirements. Prohibit patents on new medical treatments longer than two syllables and 13 letters.

Shift funding from failed dementia strategies to studying, preventing, and reversing cellular aging.

Prohibit medical providers from prescribing aspirin for joint injuries. Prohibit taxes on enteric coated aspirin tablets under 110 mg. Create a 100 percent value added tax on aspirin tablets larger than 110 mg.

Require landlords, by dates of move in, to provide properly working carbon monoxide alarms in rental properties containing landlord provided fuel burning appliances.

Pass the PASTEUR Act. Create a $100 million prize for each completely new antibiotic developed and manufactured in the US, approved by the FDA, medically successful for at least 5 years.

Prohibit current and former FTC, SEC, DOJ, FDA, and OSHA employees earning or previously earning annual government salaries greater than the median annual household income from receiving total remuneration greater than the median annual household income per year from all non-governmental entities combined. 

Prohibit former corporate executives and managers from being employed by the FTC, SEC, FDA, OSHA, and Antitrust Division.

Prohibit physical obstruction of legal health and other legal humanitarian services.

Treat deliberate, politically motivated misuse or overuse of legal health and other legal humanitarian services as terrorism.

Prohibit public funding for psychotherapy treatments not proven beyond a reasonable doubt to produce at least 35 percent better results than regression to the mean with active controls--and no fraud, p-hacking, publication biases, etc.

Prohibit public funding for currently approved antidepressant drugs for longer than five days.

Ban public funding of surgical treatments for TMD.

Require human hospitals to report causes of deaths statistics.

Require public school meals to provide at least 94 percent of their calories from plants, to deliver at least 2.8 grams of fiber per 100 calories, contain fewer than 30 percent of their calories from refined carbohydrates, and fewer than 2.1 grams of sugars per 100 calories.

Revoke FDA approval of Aducanumab.

Revoke FDA approval of Kisunla.

Goodman and Musgrave: Require cost estimates prior to any medical service over $160, except in cases where the patient or their representatives are not fit to respond and the patient needs immediate care.

Offer and recommend bird flu vaccines to livestock workers.

Ban licensing of new US physicians having medical degrees from outside the United States, Japan, Taiwan, Grenada, Australia, South Korea, New Zealand, and NATO nations.

Ban government funded knee replacement surgeries in individuals above age 77.

Require likely surgery patients and or their guardians to receive handouts listing the probabilities and expected values of harmful and beneficial surgical outcomes, along with probabilities and expected values of habitually practiced non-surgical alternatives, except in emergency cases. Require the following quote at the top of handouts: "The probabilities of beneficial surgical outcomes are likely lower than research suggests because of p-hacking, research fraud, publication bias, regression to the mean, some patients being too wimpy or demoralized to criticize procedures, benefits of post-surgery therapies outweighing surgical harms, and hundreds of other junk science causes. The likely harms of surgeries are higher for similar reasons." Create a frequently updated Federal database listing probabilities and expected values of surgical harms and benefits, the same for non-surgical alternatives, along with handout forms.

Create a mandatory minimum $800 fine and 90 hours community service punishment for communicating a medical treatment related threat to a pet or human medical treatment provider.

Prohibit industry royalty payments to individual government employed researchers, including payments through friends and relatives, for government-sponsored research.

Require packages of N95 masks to include instructions for effective reuse.

Require elected officials and political appointees above age 61 to make their health records public or resign.

Ban pharmaceutical manufacturers and middlemen from charging more than 60 percent more than the costs of manufacturing, distributing, and insuring non-patent pharmaceuticals.

Ban limited liability protections for corporations selling alternative medicine products and or performing alternative medicine procedures, including non-vitamin, non-mineral supplements, for alternative medicine relevant harms caused.

Prohibit hospice care entities from having mean after-tax profit margins greater than 6.8 percent. Prohibit hospice care entities from giving anyone more than $180,000 per year in all remuneration. Prohibit any entity from owning more than one hospice care entity. Prohibit hospice care entities from receiving government funding if more than 13 percent of their patients over the past two years live more than six months. Prohibit physicians referring patients to hospice care from receiving more than $16 per year from hospice care entities. Prohibit family members from receiving remuneration from any hospice entity they have a first degree relative in. Create a lifetime hard labor mandatory minimum sentence for murdering hospice patients.

Require all businesses developing and or manufacturing pharmaceuticals to be sole proprietorships and or have the same legal liabilities as sole proprietorships, the same for businesses owning pharmaceutical intellectual properties.

Prohibit states and local governments from banning FDA approved vaccines.

In government funded studies having p-values and sample sizes, require sample sizes and p-values within the first three sentences of abstracts and introductions.

Require public publication of every drug prescribed to judges, generals, admirals, presidents, governors, and legislators.

Streamline processes for mental health treatments, for example, permit physicians assistants and nurse practitioners to prescribe same dose mental health medications to individuals successfully on medications for at least five months.

Prohibit manufacturer, wholesaler, and retailer pharmaceutical and medical device prices greater than 15 percent more than the mean of other NATO countries.

Pass the Over-the-Counter Hearing Aid Act of 2016.

Prohibit government entities from renting medical equipment. Prohibit government entities from paying rental costs for medical equipment rented to patients. Require government entities to purchase medical equipment for their use and patient use, lending sufficiently beneficial or sufficiently harm preventing equipment to patients at no cost to patients.

Prohibit the over-the-counter sale of phenylephrine.

Ban the insertion of stents for chest pain.

Ban government paid shoulder impingement surgeries and functional endoscopic sinus surgeries.

Prohibit the sale of new SUVs and pickups having hood heights greater than 39 inches.

Require professional sports entities and intercollegiate sports having post-secondary schools to pay for any disability payments sent to former professional and intercollegiate athletes for injuries sustained or aggravated by participation in professional or intercollegiate sports.

Require government funded weight loss programs to prescribe and or recommend lifetime use of diets, exercises, movement intensive jobs, and weight loss medications, providing information on all FDA approved alternatives.

For each dollar the median US patient's monthly supply of a pharmaceutical for a chronic illness exceeds both $40 for payees and three times its production costs, reduce relevant intellectual property rights 30 days.

Approve the over-the-counter sale of female oral contraceptives. Prohibit abortion parental consent laws.

Permit the over-the-counter sale of adjustable arch hard orthotics.

Prohibit cosmetic butt, breast, and penile implant procedures.

Require livestock and veterinary workers to receive covid, pneumonia, seasonal flu, and bird flu vaccines when available.

Prohibit disability claims and compensation for emotional trauma.

Gradually increase the percentage of well run phase II and phase III trials done by Federal entities having no medical conflicts of interests.

Ban all homeopathic medications and supplements.

Prohibit medical and social science researchers and sponsors from hiding study procedures and results, except for House approved national security reasons.

Require licenses and a minimum age of 16 to operate motorized vehicles having motor assisted top speeds above 20 mph on public roads. Prohibit such vehicles from operating on public sidewalks, except to cross sidewalks.

Prohibit individuals under age 18 from being passengers on motor assisted, top speed above 20 mph eBikes, motorcycles, and tricycles.

Prohibit anyone from deliberately disabling another individual because the other individual seeks to self-identify as disabled.

Require bicycle, tricycle, and motorcycle operator and passenger helmet wearing on public roads.

Give FDA approval for the sale of pharmaceuticals and other medical treatments approved in the majority of Northwestern European countries, along with preventative therapies, except medical therapies and treatments for changing ethics related acts and beliefs.

Ban government in vitro fertilization funding for women above age 39.

Prohibit government funded treatment for erectile dysfunction and or penis enlargement.

Prohibit any individual having both a prior violent crime conviction and clinically diagnosed schizophrenia from living in any household possessing firearms.

Prohibit so-called recovered memory therapy, revoking licenses of psychology field workers practicing it.

Pass the Pharmacists Fight Back Act, limiting the power of destructive middlemen.

Prohibit the retail sale of oral phenylephrine.

Ban billing patients for psychoanalytic therapies. Ban government funded psychoanalytic therapies. Ban government funded psychoanalytic research and education. Ban government funding and billing of patients for therapies promoting nurture assumptions.

Ban patents on treatment delivery methods.

Implement these pharmacy benefit manager reforms.

Conduct additional safety studies on Belviq, a weight loss drug removed from sale in the US.

Prohibit government funded fertility treatments, except highly eugenic sperm banks and or egg banks for both IQ and ethical character.

Pass the Affordable Prescriptions for Patients Act, except amend it for more affordability.

Prohibit sperm and egg banks from collecting and revealing the height and or sports achievements of sperm and egg donors.

Create a chain of government funded dental clinics providing free fillings, extractions, medically required procedures, and other basic, non-cosmetic services.

Prohibit the American Medical Association from having any government oversight and policy making powers.

Require digital new motor vehicle audio and temperature controls to disable while the motor vehicle is in motion, except windows.

Prohibit court ordered psychological therapies for non-criminal acts, except colossal environmental self-improvement therapies and or medication based therapies.

Prohibit government funding for addiction treatments to illegal drugs.

Remove from WIC and other Federal food programs: meat and foods containing more than 20 percent of their calories from unhealthy carbs, including fructose, except tilapia, catfish, sardines, and hexapods.

Ban the prescribing of opiates for osteoarthritis and other chronic joint  and or connective tissue injuries.

Prohibit NIH employees from obtaining royalties on NIH activities.

Prohibit deliberate gene edits, gene therapies, and or embryo selections for height, greed, worse health, and or dark tetrad traits.

Greatly increase the number of well done, well- reasoned federal studies researching off label use of  drugs having no current intellectual property right holders.

Keep beneficial government inspections from falling behind schedules by the highest expected value means available.

Prohibit government entities from issuing gene therapy and or embryo selection guidelines and other regulations based on arbitrary deontological rules and other non-consequentialist assertions. 

Require government guidelines and other regulations for gene therapy and or embryo selection to solely consider overall benefits and harms to current and future generations, including for germline gene editing.

Ban IV vitamin and or supplement infusion therapies for individuals without vitamin deficiencies.

Ban use of non-voice only cell phones by individuals under 18, except during emergencies, in personal domiciles or by under 18 individuals employed at least 20 hours per week.

Require individuals to be 18-years-old and consenting before receiving a circumcision.

Sue weight loss medication advertisers for fraud for failing to include large increases in weight in their advertisements as an adverse event from discontinuing their medications. 

Create a death penalty mandatory minimum for knowingly selling more than $1,000 in fraudulent medications.

Permit legally binding contracts for interpersonal sperm donation.

Require at least annual, random, and stealthy FDA inspections of all facilities where drugs for the US market are tested or manufactured. Ban facilities and their executives from United States medical markets for repeated or systemic fraud. Reject any private medical study from foreign facilities with rates of positive efficacy results higher than the 70th percentile of similar U.S. facilities.

JT Fournier, updated April 9, 2025

Financial Policy Recommendations

Choose long-term ethical benefit maximizing monetary policies.

Prohibit the issuance of state and federal waivers for health, labor, safety, and financial regulations, except when those waivers have been approved by majorities of relevant legislatures or voters.

Require all lenders to obtain, directly from the IRS, the prior three years tax transcripts for loan applicants on loans exceeding $24,000. Require transcript communication by non-forgeable methods. Repeal laws prohibiting lenders from obtaining those transcripts.

Require regulators to take a daily oath to regulate according to the law. Fire and replace regulators who refuse to regulate according to law. End all FBI, regulator, and other law enforcement partnerships with lobbyists, financiers, and corporations.

Make executives and proprietors criminally liable for repeated wage theft.

Require mandatory credit counseling before individuals declare bankruptcy. Require individuals with larger incomes and larger assets to repay more of what they owe when filing for bankruptcy.

Per Peter Swire and as Daniel Prieto notes: institute "a $50 cap and automatic dispute resolution for identity theft losses, similar to the basic anti-fraud provisions for credit cards."

Centralize federal financial regulators and regulations in one agency under control of an elected attorney general, with oversight by the House to prevent corruption driven hiring and firing. At least triple the number of financial regulators and investigators.

Limit financial institutions to thirteen-to-one leverage ratios in bad times and eight-to-one ratios in good times.

Require regulations applying to one financial instrument to apply to all similar instruments, regardless whether labels differ. Create new transparency rules.

Turn government-supported financial enterprises into nonprofit government agencies, then slowly break them up and sell them or kill them.

Charge banking entities having more than $960 million in deposits or 0.19 percent of national deposits an additional $22 of deposit insurance per year, per each $1000 in balances, counting all entities with their parent entities.

Strengthen SEC disclosure rules and enforcement.

Implement some of the prescriptions here.

Permit bankruptcy courts to alter home mortgage terms. Prohibit mortgage lenders from repackaging loans. Eliminate FHA housing insurance.

Require publicly traded entities having assets greater than $11 million or gross receipts greater than $15 million per year to make their tax returns public.

Require high school and vocational school students to receive at least 20 hours of morally risk-neutral personal finance education and require high schools to provide such.

Ban new home mortgage loans exceeding 8.5 times the local median annual household income. Ban new non-business motor vehicle loans exceeding $41,000. Prohibit new for-profit loans exceeding $11,000 to individuals under age 29, except mortgage loans, business loans, and loans recommended on this site.

Prohibit financial bailouts of corporations not getting equivalent or greater market rate equity in return. Unwind bankrupt financial entities with no compensation given to equity owners. Unwind too big to fail businesses. Prevent investment banks from having limited liability protections. Prohibit the federal government from suing states and local governments to protect predatory financial entities.

Prohibit U.S. banks from doing business with shell banks or businesses involved in money laundering. Enact sanctions on nations cavalier about banks doing business with shell banks or businesses heavily into money laundering.

Support international efforts to reduce money-laundering, tax evasion, and rogue banking. (Rich criminals say it would violate their right to privacy. Too bad. Their right to criminal privacy is outweighed by the rights of others to protection from crime and by the benefit created by preventing parasites from profiting. Almost no one complains that the government has access to the financial records of ordinary wage earners, individuals who cannot afford battalions of lawyers to defend themselves. Yet financial criminals expect special privileges to do harm.)

Repeal the Private Securities Litigation Reform Act, Gramm-Leach-Bliley Act, Commodity Futures Modernization Act, and legal elements of the National Home Ownership Strategy. Prohibit entities participating in offshore futures trading from importing into the U.S.

Require states, Washington DC, and territories having populations greater than 40,000 to appoint mortgage regulators.

Ban government contracting with inverted corporations, including when it conflicts with trade agreements. Ban federal contracts with entities requiring employees to sign mandatory arbitration containing contracts.

Adopt the EU credit card and debit card caps on interchange fees.

Require credit card entities to give customers at least 23 days to make a payment before adding late fees. Ban credit cards offering more than $28,000 in credit.

Prohibit credit issuing entities from charging interest exceeding the inflation rate plus five percentage points. 

Pass H.R. 3221, banning federal contracting with companies engaging in fraudulent practices.

Increase funding for and the number of investigators at the Financial Crimes Enforcement Network by at least 60 percent.

Pass most of these anti-money laundering proposals.

Ban naked short selling. 

Ban securitization, also known as pooling and selling loans, except in specific cases ordered by bankruptcy judges or Congressional majorities.

Require banking entities to publicly list all assets and liabilities.

Pass a law permitting the treasury secretary to implement efficient, thorough capital controls to slash the trade deficit when the harms from trade deficits become excessive.

Pressure giant banks to break up per Dean Baker: "banks would be given sliding targets, say an asset cap of $1 trillion in three years, $600 billion in five years, and $200 billion in ten years. They would face large and growing fines on the amount of assets they held in excess of these caps... after three years they could face a penalty of 1 cent for every dollar in assets they held in excess of $1 trillion. This means that if JP Morgan still has a level of assets near its $1.6 trillion current level after the first deadline it would pay $6 billion a year in penalties. The penalty could rise to 1.5 cents on the dollars for assets over $1 trillion at the point where the $600 billion ceiling took effect. In that case, they would be paying a penalty of 1.5 cents on their assets above $1 trillion and 1 cent on their assets between $600 billion and $1 trillion."

Require annual remuneration above nine times median annual family income at any publicly traded corporation to be severely restricted stock, with only five percent transferable per year.

Ban FDIC, SIPC, and NCUA insurances for foreign entities and foreign owned US entities.

William Greider: "Restore the boundaries between commercial banking and investment banking... [a]ssign the Federal Reserve's regulatory role to a new public agency that is visible and politically accountable." Prohibit all proprietary trading by all commercial banks and credit unions.

Robert Reich: "Credit-rating agencies should no longer be paid by the companies whose issues are being rated; they should be paid by those who use their ratings... investors like pension funds and mutual funds should not be getting investment advice from the same banks that profit off their investments; the advice should come from sources without a financial stake... investment banks [must] return to being partnerships and the capital on their books be their own, not yours or your pension fund's."

Prohibit individuals convicted of financial crimes from working in  financial industries again. Prohibit executives from bailed out financial businesses from working in financial industries again.

Regulate derivatives at least as strongly as stocks. Prohibit government insured entities from buying and selling derivatives. Ban capital relief trades using derivatives. Prohibit government entities from bailing out derivative trading and holding entities.

Prohibit for-profit loan originators from providing insurance for such loans.

Ban loan making entities from giving loans to their managers and or employees earning more than the median household income per year.

Ban entities receiving government loans, bailouts, and or tax entitlements from giving bonuses.

Ban the creation and sale of new credit default swaps, collateralized debt obligations, and other mortgage-backed securities. Prohibit entities with more than $400 million in assets or deposits from owning existing mortgage-backed securities.

Ban dark pools.

Prohibit entities failing to pay Finra ordered arbitration awards from financial industry activities, including through relatives and other intermediaries, except savings accounts.

Create a new Pecora Commission to investigate and prosecute high-cost financial crimes. Ban leveraged buyouts. Strictly regulate futures contracts in industries where cartels, monopolies, or oligopolies exist.

Pass the Ending Too Big to Jail Act and Corporate Executive Accountability Act.

Pass the Nondebtor Release Prohibition Act of 2021.

Prohibit banks and government entities from lending to other entities for those other entities' purposes of investing in bonds, futures, equities, and or derivatives.

Treat corporate board members as corporate employees for regulatory purposes.

Willem Buiter: "Regulate all systemically important highly leveraged financial enterprises, whatever they call themselves: commercial bank, investment bank, universal bank, hedge fund, SIV, CDO, private equity fund or bicycle repair shop... all systemically important financial infrastructure or plumbing: payment, clearing, settlement systems, mechanisms and platforms, and the associated provision of custodial services... on a cross-border basis. Anything that is not explicitly allowed is forbidden. To get a new instrument or new institution approved, there will have to be testing, scrutiny by regulators... and other... parties, and pilot projects... once a new instrument or institution has been approved, it is only available ‘with a prescription'. For instance, only professional counter-parties rather than the general public could be permitted."

Prohibit credit and debit card providers, along with payment services, from collecting personal information beyond defaults, incomes, addresses, bankruptcies, phone numbers, credit scores, contact emails, late payments, missed payments, special education history, and criminal convictions.

Prohibit the issuance of any home mortgage having monthly payments larger than 28 percent of a buyer's mean monthly gross income.

Permit the elected Central Bank chairperson to make Central Bank appointments and firings with Central Bank inspector general approval. Require the Central Bank to have an independent inspector general. Prohibit current and or former financial industry executives from having regulatory and or supervisory positions at the central bank. Require the Central Bank to reveal information about all loans it makes. Provide for the impeachment of the Central Bank chairperson by 65 percent Congressional vote.

Prohibit government insured entities from paying any individual more than six times the median annual household income in all forms of annual remuneration.

Prohibit government entities from making secret grants, loans, gifts, and remuneration, except for well-reasoned intelligence agency and Department of Defense activities. Require reporting of spending on such activities to relevant inspectors general and other relevant oversight entities.

Prohibit federally insured financial entities from making or selling any financial instruments other than loans and their own stocks.

Ban anyone from being an executive and or board member at more than one government insured business at the same time.

Require 50 percent deferral of corporate executive remuneration above 160,000 dollars per year for at least 9 years, paying relevant corporate criminal fines and or health, labor, safety, financial or environmental civil judgments from the deferred pay when such wrongful activities occurred during the executives' tenures in charge, except when the executives exhibited swiftness in stopping ongoing wrongful activities during their first 60 days in charge.

Prohibit government loans lasting longer than 60 days to financial entities.

Eliminate waivers for fraud and abuse.

Prohibit financial industry loans for weddings, vacations, honeymoons, pleasure boats, and racing motor vehicles.

Improve the Sherman Act, including eliminating the maximum penalty rule.

Prohibit US judges from applying less stringent than US financial laws.

Cancel tax treaties with countries not providing tax query information. Prohibit US banks from doing business with entities in countries aiding tax evasion by US citizens.

Eliminate the Enron loophole and other rules exempting trading from regulations.

Require credit scores in free credit reports.

Repeal the misnamed JOBS Act.

Ban mergers and acquisitions at any business receiving bailouts or tax entitlements. Ban government bailouts of any business exceeding the trading value of the business without government taking 100 percent ownership, then reselling later or running as government-owned, privately run. Ban any entity receiving government bailouts or tax entitlements from paying any employee more than five times the median annual household income per year in all forms of annual remuneration, except physicians in non-executive positions. 

Pass the Specter Amendment altering the Exchange Act, allowing anti-fraud actions against enablers of fraud.

Require creditors to resell foreclosed houses within 60 days of foreclosures to individuals planning to use the houses as their primary residences. Fine creditors $340 per day each day after 60 the homes remain unsold.

Ban trusts and pension instruments from investing in foreign debts. Ban US government entities from insuring and or bailing out foreign businesses, multinational businesses, and foreign government debts.

Ban states and local governments from purchasing bonds from private entities.

Require states and local governments to have balanced budgets.

Ban any bailouts or government insurances for corporations currently or previously holding or trading crypto fake currencies. Ban any bailouts or government insurances for financial entities currently or previously providing or withholding financial services from citizens based on the political beliefs of such citizens, reducing the likelihood of corruption resulting from politicians and businesses tacitly trading government money for political partisanship.

Ban any individual and or business having majority ownership of a business filing for bankruptcy from having majority ownership of any other business forever.

Ban pension funds from investing in foreign, multinational, and or private equity firms.

Ban any chief decision maker of a business filing for bankruptcy from being chief decision maker for any other business forever.

Ban any individual applying for personal bankruptcy from being chief decision maker for any business forever.

Ban any individual applying for personal bankruptcy from being majority owner of any business forever.

Eliminate Federal agency policy statements contradicting antitrust laws.

Prohibit donations to charities affiliated with current or former Federal elected officials or political appointees and or military officers above O-4 by corporations, foreign entities, and multinational entities.

Make lifetime hard labor the recommended sentence for control fraud exceeding $240,000. Fine those convicted of identity theft tax fraud $200,000 plus any fraudulently obtained funds.

Ban all forms of credit risk insurance for corporations.

Ban endowments and pension funds from investing in private-equity. Ban pension funds from investing in foreign and multinational entities. Ban individuals handling pension investments from earning more than twice the median annual household income per year. Ban government entities from pre-funding government worker pensions. Ban labor unions from having investments, except credit union savings and checking accounts, plus real estate they perform union work from. Require labor union donations to political entities be approved buy a majority of union members.

Make recusals for financial and or relationship conflicts of interest mandatory for judges and investigators, enforced by an independent Federal entity.

Require executives of foreign companies traded in the United States to follow domestic disclosure rules.

Prohibit executives and board members from selling their stocks in their corporations until at least 1,500 days after leaving their corporations.

Require most banks and credit unions to provide FedNow services to their financial law abiding US citizen customers having sufficient funds in their accounts and accurate identification.

Increase the Department of Justice's antitrust division enforcement employment by at least 960 individuals, along with an adequate budget. Increase the FTC budget and employment by at least 350 percent.

Enact most of these banking reforms.

Prohibit anyone ever employed in the software, advertising, financial, lobbying or multi-level marketing industries from serving as legally binding arbitrators.

Per Matt Stoller, revoke some executive orders concerning the Office of Information and Regulatory Affairs.

Savvy Emailer: "Make it illegal for financial institutions to transact off balance sheet."

Prohibit former government employed lawyers from working for firms representing financial crime defendants.

Require all financial entities operating in the United States to follow regulations at least as strict as US regulations everywhere in the world they undertake financial transactions, including non-parent businesses. Require such entities to permit US regulators to access and evaluate their trading information.

Require corporations to incorporate with the federal government. Nullify state incorporations.

Require parent entities to have civil and criminal liability for crimes and harms committed by shell companies.

Prohibit anything from taking out a life insurance policy on an individual without that individual's knowledge. Prohibit corporations from taking out life insurance policies on individuals unless those individuals' first degree relatives are the main beneficiaries.

Require credit card accepting businesses to give at least a two percent discount to customers paying with cash, debit cards, money orders, and or cashiers' checks, compared to customers using credit cards.

Hand Central Bank and Office of the Comptroller of the Currency regulatory duties to the FDIC and other government entities. Increase regulatory funding and regulator employment. Eliminate the Office of the Comptroller of the Currency.

Place a $440,000 cap on executive lawsuits against companies.

Prohibit current or former executives at for-profit banks and or private equity firms from being employed by the Central Bank. Prohibit former Central Bank employees from working for for-profit banks and or private equity firms.

Require selection of board members for publicly traded companies by shareholders in proportion to shares held, excluding shareholders with shares below a federally mandated level. Ban the top two executives from voting. Require a re-election of top executives at publicly traded companies by board members any time a majority of board members request such.

Ban anyone having a remuneration receiving position with a for-profit financial company from concurrently working for any government regulating entity.

Ban judges and federal elected officials, along with their spouses and first degree relatives, from owning income earning financial instruments, except checking accounts and savings accounts and their residential real estate.

Amend laws to not include maximum punishments for financial crimes causing greater than $200,000 in harms.

Pass HR 5912, prohibiting the industrial loan company loophole.

Ban payment for order flow.

Pass the Securities and Exchange Commission Real Estate Leasing Authority Revocation Act.

Ban rent-to-own and similar schemes.

Require foreign and multinational entities operating in the United States to obey US financial regulations everywhere they operate, including laws not currently enforced.

Enact these antitrust reforms.

Permit states to establish public banks or credit unions roughly modeled on the Bank of North Dakota, to maximize beneficence to citizens.

Ban capital appreciation bonds.

Bill Black: hire 1,000 more FBI white collar crime agents. Have them focus on major financial crimes.

Require punishments for white collar repeat convictions to be greater than previous punishments for similar crimes.

Ban any government entity from obtaining and paying any financial instrument with interest rates greater than four nominal points above the inflation rate.

Prohibit the financial industry from making appointments to the central bank.

Ban government sponsored and or appointed entities from giving secret loans, grants, bailouts, and redistributions, except for Department of Defense research and development, along with other military activities during US declared wars.

Require appointment of Central Bank inspectors general by Congress. Require appointment of bank examiners by the head of the Central Bank, making bank examiners federal employees.

Implement some of Overcoming Short-termism.

Require mergers and or acquisitions to honor the debts and pension obligations of both entities. 

Require Antitrust Division and House majority approvals for national or regional mergers and or acquisitions creating Herfindahl Indexes greater than 0.18 and or increases in Herfindahl Indexes by greater than 0.01, calculated by summing the squared market shares.

Require the largest competitor having a book value greater than $40 million in a national or regional market having a Herfindahl Index greater than 0.18 to break up unless receiving permission from the Antitrust Division and a House majority to operate at a Herfindahl index above 0.18. Continue breaking up the next largest competitors until the Herfindahl Index drops below 0.18. Require competitors permitted to operate at an index greater than 0.18 to meet some well-reasoned requirements of public utilities.

Ban any entity seeking bankruptcy protection from giving renumeration to any individual employee and or contractor exceeding $160 thousand per annum from the time of filing, except physicians.

Ban private entities from making appointments to government oversight and law enforcement entities.

Eliminate the carried interest loophole.

Ban any contract requiring individuals to waive fiduciary and or other ethical duties. Reinstate the full financial fiduciary rule.

Repeal the misnamed Economic Growth, Regulatory Relief, and Consumer Protection Act.

Pass the 21st Century Glass-Steagall Act and the 21st Century Antitrust Act.

Ban all loan making corporations and government entities from giving weight to religious and or ethnoracial considerations in making loans.

Pass the Accountable Capitalism Act.

Prohibit dividends to managers during the first four years following a buyout.

Prohibit government contracts with foreign and or multinational entities having convictions anywhere exceeding five days incarceration and or $25,000 in fines.

Ban anyone, who received remuneration greater than twice the median annual household income in any year from sports, defense, finance, media, telecom, gaming, insurance, tobacco, lobbying, auditing, pharmaceutical, fossil fuel or real estate businesses, from government jobs paying more per year than the median annual household income, except in medical fields.

Implement most of these auditing reforms.

Ban for profit pharmacy benefit managers.

Ban investment advisers from advising entities to invest in private equity. Require all entities with private equity like structures to be regulated at least as strictly as investment banks.

Amend laws prohibiting government co-owners of businesses from having voting power to give government voting power in proportion to ownership percentages.

Ban current and former financial industry executives from financial regulatory positions. Prohibit legal credentials holding employees of the Federal Trade Commission and the DOJ Antitrust Division from owning income earning financial instruments, except checking accounts and savings accounts and their residential real estate.

Require withdrawal of trust funds to pay the debts of grantors unable or unwilling to pay their debts.

Ban any individual who accepted more than $2,000 for any speaking engagement from elected public offices and political appointments.

Prohibit any for-profit entity owned by other entities from receiving loans from those owning entities.

Require Congressional majority approval of Central Bank emergency lending exceeding 1.5 billion dollars.

Ban the ownership of older than four-year-old single and twin unit housing by for profit corporations, except FDIC insured banks.

Prohibit government entities from contracting with entities owned by private equity firms.

Pass the IRS Whistleblower Program Improvement Act of 2021.

Ban ownership of older than 20-year-old multi-unit housing by out of state corporations.

KJ Boyle: create and sufficiently fund a Department of Justice anti-price fixing division.

Grant the Commodity Futures Trading Commission request for a 13 percent increase in funding. Strike Footnote 563 from the July 26th, 2013 CFTC guidance and policy statement.

Enact some policies from here.

Ban new non-recourse loans exceeding $2.5 million to individuals and to businesses having any executive receiving more than $2.6 million per year in all remuneration. Ban businesses owing money on loans greater than $4.2 million from increasing executive remuneration at rates greater than the inflation rate.

Ban regulators and other law enforcement entities from offering plea bargain fines and other settlements for less than 150 percent of financial harms caused.

Repeal the Community Reinvestment Act.

Prohibit non-individual pension funds from investing in financial instruments other than domestic index funds, US Federal bonds, and domestic savings accounts.

Pass the Credit Card Competition Act of 2022.

Prohibit the hiring of regulators, who previously received remuneration from entities subject to regulation by the would-be regulators, except for teaching how to catch crooked tricks roles.

Prohibit current and former regulators from receiving remuneration from entities regulated by the current and former regulators' government agencies.

Prohibit any entity having more than 1.5 percent foreign ownership from receiving US tax entitlements. Prohibit any entity having more than 1.5 percent foreign ownership from receiving bailouts from US government entities.

Pass the Ending Insider Trading in Commodities Act.

Prohibit current and former pension fund managers from receiving gifts or remuneration from financial entities other than their managed pension funds, plus their savings and checking accounts, the same for union managers.

Repeal the misnamed Pension Protection Act and Section 209 of the National Securities Markets Improvement Act of 1996.

Prohibit states from having weaker financial regulations than federal financial regulations. Permit states to have stricter financial regulations than federal financial regulations.

Require government law enforcement entities to hire, employ, and pay public corporation auditors, perform the audits, then require the corporations audited to reimburse government entities for auditing costs.

Prohibit 401(k) accounts from investing, except in index funds, savings accounts, and the highest grade bonds.

Amend laws specifying maximum fines for financial crimes to have no maximum.

Create claw back laws and rules for every industry having executives capable of financial crimes.

Implement Francine McKenna's auditing reforms.

Require all foreign and multinational corporations selling financial instruments in the United States to comply with US auditing and financial rules unless following stricter foreign rules.

Ban stock options for corporate executives remunerated more than twice the median household income per year.

Prohibit financial regulators fired for failing to regulate according to laws from future government employment and from receiving gifts and or any form of remuneration from financial industry entities.

Prohibit current and former financial regulators from receiving gifts and or any form of remuneration from financial industry entities.

Repeal Rule 10b-18. Prohibit open-market stock buybacks.

Prohibit special purpose acquisition companies.

Require at least 10.5 percent down payments on home, auto, and or business loans exceeding $24,000.

Ban central bank employees earning more than the median annual household income per year from owning income earning financial instruments other than checking accounts, savings accounts, and their residential real estate.

Prohibit directors of businesses filing for bankruptcy from being partners, sole owners, board members, and or top executives of businesses in the future.

Prohibit any non-federal product from being labeled as currency.

Ban anonymously owned businesses from financial transactions with US entities.

Prohibit businesses from making loans to employees and contractors, including Form 1099 recipients.

Ban private equity entities from buying existing businesses, nonprofits, and residential properties.

Pass the ENABLERS Act, requiring broader reporting of international money laundering. Pass S.3316, a bill to help anti-money laundering whistleblowers. Expand whistleblowing protections and awards to cover all government entities involved in financial regulations.

Require financial criminal laws to require a preponderance of evidence of intent rather than proof beyond a reasonable doubt, including intent to be negligent.

Promote interagency sharing of probable financial crime information.

Enact more anti-money laundering policies.

Increase the cap on the Commodities Futures Trading Commission's whistleblower fund.

Prohibit any producer or wholesaler from giving rebates to retailers and retail purchasing employees.

Require stress tests to check for low probability, high harm outcomes.

Freeze assets of nations or their citizens when those nations refuse to extradite individuals likely guilty of US financial crimes exceeding $600,000 in harms.

Prohibit the transfer of assets from US entities to tax haven entities, including through middlemen.

Pass the Ending Insider Trading in Commodities Act.

Prohibit entities registered in tax havens from conducting business activities with US entities.

Pass the State Antitrust Enforcement Venue Act.

Ban the central bank from buying stocks and bonds, except US treasury securities and from manufacturing companies having all employees working in the United States.

Pass a federal law against perpetuities.

Seize up to four times the financial harms done available assets from non-arrestable, non-extraditable individuals having US financial crime arrest warrants or unpaid US civil judgments or unpaid US civil settlements.

Ban the FDIC and NCUA from insuring anything other than customer savings and checking accounts of US dollars.

Increase the maximum FDIC insurance for banking to 900 million dollars at a new basic services US Postal Bank and or new basic services Central Bank, adhering to the economic and regulatory prescriptions on this blog at a minimum. Prohibit bailing out depositors' deposits above $250,000, failing to take advantage of these new banks or methods of dispersing deposits.

Prohibit financial industry executive

remuneration packages incentivizing more risky than risk neutral behavior. 

Pass a law similar to the UK's Insolvency Act 1986, banning business directors from trading while their businesses are insolvent, making business directors personally liable for violations.

Create strict mandatory minimum punishments for risk reckless bank owners and employees. Prohibit e

lobbying entities from participation in government insurance programs.

Pass the Merger Filing Fee Modernization Act.

Amend the Uniform Securities Act to remove civil liability exemptions for relevant accessory actors.

Prohibit states and local governments from borrowing money using financial instruments having interest rates above the inflation rate. Prohibit states and local governments from paying any financial instrument fees, except outstanding balances and inflation rate interest.

Ban limited liability protections for lobbying and private equity firms.

Ban limited liability protections for non-manufacturing corporations having market caps greater than 22 billion dollars, defining manufacturing to include non-fossil fuel energy companies but exclude companies having more than four percent of their sales and or profits from media and or software.

Do not require evidence of motives and or cooperation for antitrust and other financial crime convictions.

Prohibit banks and credit unions from seizing funds in accounts they declare dormant.

Create a failed home mortgage right to rent. Permit employed foreclosed on or falling behind on payments homeowners to pay market rate rents by automatic payroll deduction to remain living in those homes.

Ban individuals having net worths under two times the median annual household income from buying stocks and bonds, except index funds.

Ban the sale and transfer of unregulated securities.

Pass the Safe Access to Cash Act of 2022.

Pass the Ocean Shipping Reform Act of 2021 and the Investor Choice Act of 2021.

Give state and local governments $6.50 per citizen, per year exclusively for state and local government initiated antitrust and other anti-financial crime legal actions against corporations having book values greater than $20 million. Legalize antitrust lawsuits by local governments.

Prohibit business directors' insurance.

Eliminate all so-called home ownership society and so-called anti-red lining laws, rules, orders, and guidelines. Such policies multiply fraud, housing tumors, financial collapses, unpayable debts, environmental damage, and other harms, along with causing recessions and making recessions worse.

Repeal laws and parts of laws aiding kickbacks, monopolies, oligopolies, and or parasitic middlemen.

Ban quantitative easing, except to purchase US Treasury securities.

Bryce Tuttle: "The FTC and Department of Justice... should issue a policy statement declaring the [antitrust] labor exemption covers independent contractors... treated like workers, rather than like independent business people, by the company that hired them."

Prohibit US citizens having greater than $2,000 in debts from renouncing their US citizenships.

Prohibit hiding and shielding assets with relatives and other entities. Make such funds recoverable by civil and or criminal proceedings.

Prohibit individuals previously hospitalized for mental illnesses from obtaining credit cards and or rent-to-own items. 

Prohibit former special education students from obtaining credit cards and or rent-to-own items, except those in special education for non-brain reasons.

Prohibit Amerindian groups from violating state, local, and Federal regulations, including usury and gambling regulations.

Prohibit managers at government insured banks and credit unions from receiving positions and or personal remuneration from entities they approved loans to.

Prohibit the central bank from paying fees and or interest to corporations and or corporate executives.

Prohibit non-citizens and dual citizens living in the US from acquiring and or applying for loans and credit cards. 

Ban artists, entertainers, and professional athletes from acquiring non-home mortgage debts exceeding $17,000. Prohibit college athletes from acquiring debts exceeding $8,000. 

Prohibit bankruptcy homestead exemptions from exceeding one-half the national median annual household income.

Pass the Bankruptcy Venue Reform Act of 2023.

Prohibit loan and credit card originators from giving loans and credit cards to non-citizens and dual citizens living in the US.

Experiment with Iowa's title guarantee program nationwide, banning commercial title insurance.

Ban so-called opportunity zones.

Charles Calamaris and Henry Kaufman: prohibit "hold-till-maturity book value accounting for securities." Prohibit central banks from valuing collateral at inflated values. Use SRISK measures in regulations.

Prohibit government entities from bailing out corporations without majority voter or congressional approval, except FDIC bailouts.

Prohibit bank mergers.

Require banks and credit unions having greater than $90 million in assets and or liabilities to issue public, bimonthly reports listing assets and liabilities.

Pass the Failed Bank Executives Clawback Act.

Jang-Sup Shin: end shareholder voting rights for hedge funds and institutional investors. Require hedge funds to adhere to institutional investor regulations. Give long-term shareholders greater corporate voting rights. Require public disclosure of communications between corporate management and institutional investors. Require shareholder proposals at shareholders' meetings to provide well-reasoned evidence of sufficiently beneficial results or less harmful results than other alternatives.

Reinstate the 2024 Consumer Financial Protection Bureau rule benefiting dispute resolution processes and reducing politically motivated debanking.

Pass the FTC Whistleblower Act of 2024.

Prohibit payment and savings apps not  fully owned by strictly regulated FDIC banks or NCUA credit unions.

On this website, entity shall be defined as any person or dyad or group or organization, including nonprofits, corporations, partnerships, and sole proprietorships.

Ban proprietary trading, except proprietary trading proven in court beyond a reasonable doubt to serve overall public benefit.

Improve the Change in Bank Control Act.

Mark Flannery and Enrico Perotti: require banks to have market triggered contingent convertible bond buffers "at high threshold values to maintain risk incentives even when leverage increases, thus helping to overcome the risk of regulatory delay."

JT Fournier, last updated March 6, 2025