Comment Re:I've got a solution.... (Score 1) 83
Sorry, yes it does. Not because of the impact on discrimination, but because the companies now have the added cost of documenting that they do not discriminate. This is one more cost that makes it more difficult for a smaller company to survive in the market.
No. This does impose a cost, but the cost is the same for all companies in the market, so it doesn't disadvantage the small company (well, possibly there are economies of scale in favor of the larger company but that's not necessarily true and, in any case, those economies of scale apply to lots of things that have nothing to do with regulation). In any case, the cost is really small. Documenting non-discrimination is basically documenting how the company came up with the rate. If they don't already document that, then they aren't going to survive long.
I happen to think that it is not the government's business to enforce anti-discrimination practices on private companies. What people seem to forget is that the segregationist policies that lead to the Civil Rights marches were not a result of lack of government regulation, they were a result of government regulation.
I think people seem to forget that because it isn't true. In what way was Woolworth's refusal to serve blacks at their lunch counter a result of government regulation? American General Life charged black customers more for insurance than white. In what way was this a result of regulation?