Pennsylvania + Wall


Pennsylvania + Wall provides commentary on a broad range of current financial, economic and regulatory reform topics. The views expressed are those of the authors, and do not necessarily reflect the position of SIFMA.

August 11, 2015


By Dave Oxner

Cyber Vote CISA

Last week, Congress departed Washington for summer recess leaving critically important cybersecurity information-sharing legislation on their desks. The Cybersecurity Information Sharing Act (CISA) of 2015, otherwise known as S. 754, is a bipartisan measure which would provide the private sector with laws that will enable the private sector to better protect American consumers and businesses by sharing critical information about cyber attacks with each other, the government, law enforcement and other institutions.

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August 06, 2015

The Case Against State-Run Retirement Plans for Private Sector Workers

By Marin Gibson

Case against State-Run Retirement Plans for Private Sector Americans are not saving enough for retirement. As a country, we all agree that we can and should do more to encourage savings and increase education on opportunities to invest. Fortunately, there are many options readily available, which is why it is surprising that some states are exploring the creation of their own costly and burdensome retirement savings plans for private sector workers. 

These state-run plans are based on the misguided notion that private sector retirement plans are inaccessible to most Americans.  The reality is that over 75% of full-time American workers have access to retirement plans through their workplace. For those that do not have an employer-sponsored plan, IRAs and individual annuities - as well as the new federal MyRA program - are available to anyone who wants them, and can be opened for little to no money. .... Read more...



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