Government programmes and regulation

Where the state pays, prohibits or polices. Treat this as a sector rather than a backdrop: for many frictions the public programme is the largest single provider, and its rules set the price of every private alternative beside it.

32solutions

0public companies

25private, mutual, nonprofit, state

$0Bpublic market value

Its neighbourhood

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Private, mutual, nonprofit and state

Organisation	Products	Serves
Social Security Administration	retirement benefits, survivor benefits, disability insurance	State pension and social security, Survivor benefits, Disability insurance
Centers for Medicare & Medicaid Services	Medicare, Medicaid, Marketplace	Public health insurance for the old, Means-tested public care funding, Coverage continuation and individual marketplaces
Internal Revenue Service	Child Tax Credit, dependent care credit, 401(k) and 529 rules	Child tax credits and family benefits, Childcare subsidies and tax credits, Tax-advantaged retirement accounts
Federal Housing Administration	FHA loans, HECM reverse mortgages	First-time buyer programs, Reverse mortgage, Mortgage insurance (PMI)
US Department of Education (Federal Student Aid)	Direct Loans, Pell Grants, income-driven repayment	Student loans, Income-driven repayment and forgiveness programmes, Scholarships and grants
USDA Food and Nutrition Service	National School Lunch Program, WIC	School meal programmes, Infant formula
Federal Reserve / OCC / FDIC	bank capital rules, stress tests	Bank capital and mortgage regulation
SEC and Department of Labor	Regulation Best Interest, ERISA fiduciary rule, unemployment insurance oversight	Fiduciary rules, Unemployment insurance, Gig worker classification and benefits rules
Centers for Disease Control and Prevention	childhood immunisation schedule	Public vaccine schedules and school mandates
Food and Drug Administration	infant formula standards, nutrition labelling, drug approval	Infant food safety regulation, Nutrition labelling and marketing rules for children, Generic drugs
State motor vehicle departments	graduated licensing, older-driver renewal rules	Graduated licensing and teen driving restrictions, Driver's licence and teen driving, Older-driver licence testing
National Association of Insurance Commissioners	annuity suitability model regulation	Annuity suitability rules
FINRA	trusted contact rule, senior investor protection	Elder fraud protection and trusted-contact rules
HHS Administration for Children and Families	child welfare services, child support enforcement, Head Start	Child protection law and services, Child support and enforcement, Daycare and childcare centres
State alcohol and gaming regulators	minimum age enforcement	Age restrictions on alcohol, tobacco, and gambling
State care-workforce programmes	home care wage floors, caregiver visa programmes	Care workforce wages and immigration policy
State insurance regulators	maternity coverage mandates	Maternity coverage mandates
Volunteer Income Tax Assistance (VITA)	free tax preparation for low-income filers	Tax authority services, Tax preparation software and services
US Citizenship and Immigration Services	visas, green cards, naturalisation	Immigration lawyers and services, Passports, IDs, and civil documents
US State Department (passports)	passports	Passports, IDs, and civil documents
Login.gov (GSA)	federal digital identity	Digital identity and verification
FTC and state attorneys general (privacy)	privacy enforcement, COPPA	Data-protection regulation
Office for Victims of Crime (DOJ)	victim compensation funding	Victim services and compensation
Municipal police departments	policing	Police and public safety
SAMHSA	988 crisis line, treatment locator	Harm reduction and overdose reversal, Addiction treatment and recovery

Solutions in this sector

Public vaccine schedules and school mandatesInfancy
Infant food safety regulationInfancy
Childcare subsidies and tax creditsInfancy
School meal programmesChildhood
Nutrition labelling and marketing rules for childrenChildhood
Disability benefits and Medicaid waiversChildhood
Child protection law and servicesChildhood
Age restrictions on alcohol, tobacco, and gamblingAdolescence
Youth shelters and foster careAdolescence
Income-driven repayment and forgiveness programmesEarly adulthood
Gig worker classification and benefits rulesEarly adulthood
Bank capital and mortgage regulationHousehold formation
First-time buyer programsHousehold formation
Maternity coverage mandatesParenthood
Child tax credits and family benefitsParenthood
Unemployment insuranceMidlife
Fiduciary rulesMidlife
Age discrimination lawLate career
Annuity suitability rulesLate career
State pension and social securityRetirement
Public health insurance for the oldRetirement
Elder fraud protection and trusted-contact rulesRetirement
Care workforce wages and immigration policyDecline
Means-tested public care fundingDecline
Survivor benefitsDeath
Public disability insurance (SSDI, SSI)Across every phase
Police and public safetyAcross every phase
Tax authority servicesAcross every phase
Legal aid and public defendersAcross every phase
Victim services and compensationAcross every phase
Passports, IDs, and civil documentsAcross every phase
Data-protection regulationAcross every phase

Trends reshaping it