This November 14 issue of The Forum examines competition, regulatory accountability, and financial oversight across the railroad industry, artificial intelligence, and private credit markets.

Amit Bose, former Administrator of the Federal Railroad Administration, examines the proposed Union Pacific–Norfolk Southern merger, arguing that the largest rail merger in American history demands rigorous regulatory scrutiny, transparency, and meaningful public participation. Amba Kak and Dr. Sarah Myers West, co-executive directors of the AI Now Institute, challenge the technology industry’s latest efforts at self-regulation, making the case for independent public oversight of AI safety and accountability. R.J. Lehmann, editor-in-chief and senior fellow at the International Center for Law & Economics, examines the growing role of private credit in life insurance, arguing that regulators should identify and assess specific financial risks before imposing restrictions that could increase costs for policyholders.

Together, these articles raise an important question: How can regulators protect competition, strengthen accountability, and safeguard consumers without imposing unnecessary costs or allowing industries to set their own rules?

To submit an op-ed for consideration, contact info@thecapitolforum.com.

We hope you enjoy this issue of The Forum. New articles are published every other Saturday.