Insurance Regulatory Law

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Insurance regulatory law - Wikipedia

Category: The Body Of Statutory Law Administrative Regulations And Jurisprudence That Governs And Regulates The Insurance Industry And Those Engaged In The Business Of Insurance

Insurance regulatory law is the body of statutory law, administrative regulations and jurisprudence that governs and regulates the insurance industry and those engaged in the business of insurance. Insurance regulatory law is primarily enforced through regulations, rules and directives by state insurance departments as authorized and directed by statutory law enacted by the state legislatures. However, federal law, court decisions and administrative adjudications also play an important role.[1]

Insurance is characterized as a business vested or affected with the public interest.[2] Thus, the business of insurance, although primarily a matter of private contract, is nevertheless of such concern to the public as a whole that it is subject to governmental regulation to protect the public’s interests.[1]

Historically, the insurance industry has been regulated almost exclusively by the individual state governments. The first state commissioner of insurance was appointed in New Hampshire in 1851 and the state-based insurance regulatory system grew as quickly as the insurance industry itself.[4] Prior to this period, insurance was primarily regulated by corporate charter, state statutory law and de facto regulation by the courts in judicial decisions.[5][6] States coordinate through a nonprofit trade a-sociation of state regulatory agencies called the National A-sociation of Insurance Commissioners, which proposes model laws which may be adopted by the members.

As the various state governments each developed its own set of insurance regulations, insurance companies with multi-state business were hampered by the inconsistency of the dissimilar rules and requirements, as well as localism by the state regulators. These companies and their stakeholders joined a growing movement for federal insurance regulation – but, considering the lack of any significant federal regulatory framework, this movement may have been more about avoiding regulation rather than actually promoting federal superiority.[7]

In 1869, the United States Supreme Court cemented state-based insurance regulation as the law of the land when it ruled in Paul v. Virginia[8] that the issuance of a policy of insurance was not the transaction of commerce, and therefore beyond the scope of federal legislation.[9]

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Insurance Regulation Overview - FindLaw

Category: Insurance Companies And Policyholders

Read this FindLaw article to gain a general understanding of how insurance regulation seeks to protect consumers and promote fairness and the financial health of the insurance industry.

For those of us who have insurance, we count on it to be there when we need it most. Whether you’ve contracted a serious illness, lost your home in a natural disaster, or caused a major car accident, you’re relying on those insurance policies to help you through. Because the insurance industry affects so many people as well as the financial system as a whole, there are many state and federal laws regulating how the business is conducted. Read on to gain a general understanding of how insurance regulation seeks to protect consumers and promote fairness and the financial health of the insurance industry.

In the U.S., the states have been the primary regulators of the insurance industry. However, in the mid-20th century, the Supreme Court ruled that the insurance industry was subject to federal legislation, including federal antitrust laws.

In response, Congress enacted the McCarran-Ferguson Act, which stated that no federal law could supersede state insurance regulations unless that federal law specifically addressed the business of insurance. Furthermore, the Act specifically exempted the insurance industry from federal antitrust laws as long as the state had its own antitrust statute which applied to the insurance industry operating there. The McCarran-Ferguson Act remains in effect, though there have been efforts to repeal or amend it, especially with regard to the health insurance industry.

Despite the fact that the states are the primary regulators of the insurance industry, there are continued efforts to give the federal government more of a role in regulating the business of insurance, especially with regard to maintaining the systemic and financial solvency of the industry. Some important federal insurance regulations and oversight entities include the following:

Affordable Care Act ("Obamacare"): Instituted health insurance reforms, including requiring most individuals to have health insurance; prohibiting insurance companies from denying coverage to people with pre-existing conditions; initiating minimum requirements for health care policies.

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Administrative, Insurance & Regulatory Law – Clement Rivers, LLP

Category: Insurance & Regulatory Law

The Administrative, Insurance & Regulatory Law Practice Group at Clement Rivers, LLP consists of skilled attorneys with a deep and exceptionally diverse range of experience. They represent clients before federal, state, and local agencies, regulatory boards, and commissions.

With offices in Columbia and Charleston, the practice group is able to provide thorough statewide coverage to clients, while also maintaining a strong presence in the local Charleston community. The firm is known and respected in Charleston’s business community and has extensive experience working with and appearing before city and county boards and commissions on such issues as zoning, business licensing, and tax matters.

The group’s attorneys are experienced administrative law litigators who possess extensive knowledge of state government. They have built a strong reputation in South Carolina that allows the firm to effectively represent the interests of its clients.

Group chair Michael Molony was instrumental in helping to establish the South Carolina Administrative Law Court and the South Carolina Captive Insurance Program. He serves on the Administrative Law Council and is a Special Advisor to the Department of Insurance on captive matters. The Chief Justice of South Carolina’s Supreme Court also appointed Michael to the Judicial Counsel.

The group often practices in close cooperation with the Commercial Transactions Practice Group to successfully counsel companies seeking to do business in South Carolina on a myriad of issues from formation to taxation to zoning questions.

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How Is The Regulation of Insurance

5:01 - 2 years ago

Insurance is regulated by the states. This system of regulation stems from the McCarran-Ferguson Act of 1945, which describes ...

Mitchell Williams - Insurance Regulatory Law

Category: Insurance Regulatory Approvals Insurance Regulatory

At Mitchell Williams, our insurance regulatory team understands the insurance industry from all aspects of the regulatory, business and legal perspective. This depth of knowledge enables us to effectively work with insurance industry clients to construct innovative strategies and solutions that achieve their business goals.

The Mitchell Williams insurance regulatory lawyers handle regulatory issues for insurance industry clients in all 50 states and D.C. Our sophisticated team is comprised of former senior regulators at state insurance departments, former in-house counsel at leading insurance companies and attorneys and staff that have extensive experience representing insurance industry clients. With their combined experience, in-depth knowledge and extensive relationships, they serve clients as trusted partners and business advisors constructing innovative strategies and solutions for insurance regulatory, legal and business matters.

We are actively engaged with the major insurance organizations and trade a-sociations monitoring issues critical to the business of insurance. The National A-sociation of Insurance Commissioners (NAIC) has become the single most influential body in determining the scope, content and direction of state regulation of insurance. Our insurance regulatory team has a significant physical presence at all NAIC national meetings and works on behalf of our insurance clients to monitor issues critical to the client’s business that are being considered at the NAIC. When necessary, we represent clients on specific issues being considered by NAIC Committees or subcommittees. We also work regularly with the major insurance trade a-sociations, including the American Insurance A-sociation (AIA), the Complex Insurance Claims Litigation A-sociation (CICLA), the National A-sociation of Mutual Insurance Companies (NAMIC), the Property Casualty Insurers A-sociation of America (PCI), the American Council of Life Insurers (ACLI), the National A-sociation of Professional Employer Organizations (NAPEO), the North American Pet Health Insurance A-sociation (NAPHIA), the Consumer Credit Industry A-sociation (CCIA), the Insured Retirement Institute (IRI) and MICA among others on the wide variety of issues affecting the business of insurance.

Our insurance regulatory lawyers serve clients as strategic counsel on a broad range of state insurance regulation and often works as outside general counsel on corporate and regulatory matters. Because of our extensive experience, our lawyers understand that the business of insurance is complex and consistently facies new challenges emerging from increasing regulations, market consolidations, technology innovations, data privacy and new competition. We represent Insurers, reinsurers and producers, accident and health insurers, HMO and managed care organizations, broker-dealers, captives, risk retention and purchasing groups, life insurance, annuities and variable products, property and casualty insurers, title insurance, travel insurance, service contract and extended warranty companies, MGAs/TPAs/adjusters, and provider organizations.

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2022 Insurance Regulatory Outlook | Deloitte US

With disconnected state, federal, and global agency stakeholders, insurers must remain vigilant.

Throughout 2022, a regulatory challenge facing insurers will be balancing the ever-growing list of high-priority areas for governing agencies. On top of traditional focus areas like insurance group capital, the pandemic has accelerated the use of, and compliance requirements related to, digitization. Data security and consumer protection, climate and environmental impacts, digital a-sets, and the convergence of sector sales are also significant concerns.

Insurance group capital – Development of Insurance Capital Standard (ICS) continues: At the international level, ICS 2.0 is currently in a five-year monitoring period. Domestically, the Aggregation Method is being reviewed for compatibility, and the Group Capital Calculation is subject to a trial implementation period and law adoption by states in consultation with the Federal Reserve.

Convergence in life and annuity insurance sales – As insurers seek to grow sales of life and annuity products, particularly through third-party entities, such as independent marketing organizations, they also face increased state and federal regulations as well as examination and enforcement risks. Implications include insurers operating in a “best interest” role for clients, annuity standards expansion and supervision, disclosure of conflicts, and others.

Consumer protection and data focus – With customer portals expanding, advanced modeling techniques are leveraged; and as threats grow, regulators are focusing on whether data is used appropriately, used with permission, and is secure and well-guarded.

Privacy and cybersecurity – The insurance industry, and its regulators, are not taking cyberattacks lightly. A complex network of state requirements is only expected to grow, with particular attention around Model Law 668.

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Top 10 Insurance Laws And Regulations Of The Decade - Insurance & Reinsurance

The insurance industry experienced significant and varied forms of new legislation and regulation during the last decade. Below, we highlight what we view as the top 10 of these legal and regulatory changes.

In response the 2007-2008 financial crisis, Congress acted to implement major legislative reforms for addressing systemic risk in the financial markets through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. A number of these reforms directly or indirectly affected the insurance industry:Federal Insurance OfficeThe FIO is now a unit of the U.S. Department of the Treasury and effectively serves as a federal think tank for development of federal policy positions on insurance regulation and the federal liaison to state insurance regulators and their foreign counterparts. Specifically, the FOI’s charges are:

Monitoring all aspects of the insurance industry (except health insurance, some long-term care insurance, and crop insurance), including the identification of gaps in regulation of insurers that could contribute to financial crisis;

Now the FIO publishes an annual report on the insurance industry, which highlights market developments, emerging issues and legal and regulatory changes. Initially when the FIO was created, there was some level of apprehension among the state insurance regulatory and legislative communities and insurance industry that the FIO would spawn further federal encroachment on the long-tenured primary regulatory domain of the states over the business of insurance established by the McCarran Fergusson Act in 1943, but that has not occurred.

In the wake of the financial crisis, financial markets regulators questioned the functional differences between financial derivatives products, such as credit default swaps, which were a major cause of the financial crisis, and insurance products. The result was new regulations from the U.S. Securities and Exchange Commission and Commodities and Futures Trading Commission broadly defining a swap.

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Insurance Regulatory

Our insurance regulatory attorneys are involved in structuring, documenting, and obtaining regulatory approvals required in connection with all business transactions involving participants in the insurance industry. Our experience encompasses the representation of insurers and insurance producers in the preparation and negotiation of applications and other filings required to obtain regulatory approval of complex business transactions, including: insurance company formations; reinsurance; compliance matters; and mergers, sales, and acquisitions of insurance companies and producers. Additionally, it includes a-sisting with rate and form filings and, if need be, counsel in connection with rate and prior approval matters.

Hinshaw's insurance regulatory attorneys also regularly represent carriers in defense of agency enforcement actions and other administrative proceedings, such as accusations, orders to show cause, agency appeals, notices of noncompliance and rulemaking.

Hinshaw's insurance regulatory attorneys likewise have extensive experience representing insurance companies in connection with market conduct claims and rating and underwriting examinations. We actively monitor regulations proposed by regulators and prepare comments (including objections) to proposed statutes and regulations.

Our insurance regulatory attorneys regularly conduct specialized seminars for trade a-sociations, insurance companies and insurance producers that focus on key regulatory issues, including proposed statutes and regulations and decisions rendered by insurance regulators. Programs may include specific topics such as market conduct claims examinations, the rate application submission and review process, understanding claims settlement practices regulations, and compliance with SIU (Special Investigation Unit) requirements.

While the insurance regulatory group regularly handles insurance administrative hearings, writs and appeals, it teams up with Hinshaw's Insurance Services Practice Group on complex litigation involving regulatory matters. In additional to its writ and appellate practice, our Insurance Regulatory Practice Group provides insurance law consulting with outside firms on litigation matters. Members of our team have authored a number of chapters in LexisNexis insurance law treatises, including California Insurance Law and Practice.

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Insurance Regulatory Law

Category: Insurance Regulatory Law Insurance Regulation Insurance Law

Discussion, news, information and commentary on insurance regulatory law, issues related to insurance regulation and insurance law in general, including state as well as federal …

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Insurance Litigation and Regulatory Law ⋆ Learning About Insurance Law

Learning About Insurance Law

There is no such thing as whistleblower insurance, although some businesses might prefer its existence. A whistleblower claim can mean one of two things. First, these can be the literal a-sertions made of criminal, unlawful, or immoral activities conducted at a business by an employee. Second, they can be a legal response to retaliatory moves made against a whistleblower (since retaliation is illegal).

When we hear about whistleblower claims in civil court, it’s usually the second instance being considered. Employers respond to whistleblowing in a variety of ways. The best way is simply amending behavior to fall in better line with the law or fundamental human morality. But many employers go further down the rabbithole by limiting hours, harassing, exploiting honest mistakes made by the whistleblower, or terminating employment. All these actions are examples of retaliation.

An anonymous lawyer for cmlaw.com explained, “All employees have a universal right to unveil potentially illegal or immoral actions made in a workplace, whether those actions are made by a fellow employee or boss. This right exists to make a workplace more comfortable and more in line with the law, which benefits all parties. But still, some managers view whistleblowing as a personal offense and react poorly. That’s when lawyers get involved.”

A classic example of retaliation occurred during and after the first impeachment of former president Donald Trump. Retired Army Lt. Col. Alexander Vindman and his brother were both fired after Vindman testified during the impeachment trial. He later sued for intimidation and retaliation. The lawsuit is ongoing. Although this example is political, it works the same way in any workplace and is still illegal in government.

Retaliation claims are often overlooked because they are difficult to prove. A “smart” manager will begin writing up the employee for infractions that are more often ignored. Five minutes late to work? You might get written up when you never were before. Took an extra two minutes on break? Another write-up. Managers will often write up whistleblowers for failing to meet a quota after providing more work than usual or cut hours to make the usual tasks impossible to complete.

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Administration of Insurance Regulation in Virginia

Apr 06, 2020 · Regulations are administrative laws. In Virginia, insurance regulations are promulgated by the State Corporation Commission. Virginia insurance regulations are found in …

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Insurance & Reinsurance Laws and Regulations Report 2022 USA

Insurance & Reinsurance Laws and Regulations covering issues in USA of Regulatory, (Re)insurance Claims, Litigation - Overview, Litigation - Procedure

ICLG - Insurance & Reinsurance Laws and Regulations - USA Chapter covers common issues in insurance and reinsurance laws and regulations – including regulatory authorities and procedures, (re)insurance claims, litigation – overview, litigation – procedure and arbitration.

The regulation of insurance companies is split between the states and the federal government. Each of the 50 states regulates the operations of insurance businesses within its borders and has its own laws concerning the appropriate contractual terms that parties to an insurance contract are allowed to enter into. For example, states are responsible for regulating insurance rates, licensing insurance companies and brokers, employing financial examiners to investigate an insurer’s accounting methods, and providing consumer service support to their residents. State insurance regulators are also members of the National A-sociation of Insurance Commissioners (“NAIC”), an organisation that standardises the regulation of insurance among the states and facilitates the sharing of best practices among them.

In comparison, the federal government has a more modest footprint in insurance regulation because the McCarran-Ferguson Act, passed in 1945, a-sured that states would have the primary role in regulating insurance. Nevertheless, there are some significant federal regulations concerning interstate insurance commerce. The 2015 National A-sociation of Registered Agents and Brokers Reform Act streamlined approval for non-resident insurance sellers to operate across state lines. The 1986 Liability Risk Retention Act allowed individuals and businesses with similar risk profiles to form groups in order to lower costs and increase market choice for insurance consumers by making it easier to compare policies that fit their profiles.

Furthermore, after the 2008 financial crisis, the federal government started to regulate the financial stability of insurance companies. The 2010 Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) created two review councils within the Department of Treasury – the Financial Stability Oversight Council (“FSOC”) and the Federal Insurance Office – to monitor the stability of the insurance industry. FSOC has the ability to designate certain insurers as “Systemically Important Financial Institutions” (“SIFIs”) so they may be regulated by the Federal Reserve Board. SIFIs are subject to heightened financial oversight – they must meet higher capital requirements, take stress tests, and submit “living will” bankruptcy plans for review. While initially six insurers were identified as being “systemically important”, all were eventually dedesignated, and currently there are none with this designation. In 2017, in a shift towards deregulation, the Treasury Department recommended changing the designation process for SIFIs, and in 2019 FSOC proposed moving from an entity-based approach to a holistic activities-based approach. Under the new approach a company would only be designated as a SIFI if FSOC believed that attempts by state and federal regulators to address the risks of their activities were not sufficient.

Each state has its own unique requirements for setting up a new insurance company, but all states accept the Uniform Certification of Authority Application (“UCAA”), a model application offered by the NAIC. The UCAA requires the applicant to provide information about its business plan, corporate bylaws, financial statements, and officers, as well as to identify the type of insurance it plans to offer (e.g., life, disability, property). Each state imposes requirements in addition to the UCAA. For example, states generally require a certain level of financial health before licensing a corporation. Each state has different capital and surplus requirements, and some may require a corporation to have prior experience or pass accreditation standards before being allowed to sell certain forms of insurance. States will also usually require companies to pay fees to fund regulatory agencies depending on the type of insurance an applicant wishes to offer. For example, to conduct business with workers’ compensation or automobile insurance, many states require companies to pay fees to an oversight board.

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Duane Morris LLP - Insurance - Corporate and Regulatory

The Duane Morris interdisciplinary insurance industry practice handles complex corporate, M&A transactional, regulatory and litigation matters in all sectors of the insurance industry in the U.S., London and Asia. We handle property and casualty, life, workers' compensation and reinsurance matters. We also advise on related areas of law, such as tax, antitrust, SEC, market-conduct and internal investigation issues, including international investigations.

Our insurance practice includes more than 100 lawyers in 25 offices. We have solved hundreds of insurance-industry challenges for many of the largest U.S. life and P&C insurers, as well as major international insurers, reinsurers and regional and specialty carriers.

Our practice group includes former general counsel and executives of major international insurance and reinsurance companies, including both mutual and stock companies. Our lawyers are thought leaders in the insurance industry. The group includes lawyers who have written authoritative treatises in the insurance industry, lectured publicly, spoken frequently at industry meetings in the U.S., Europe and Asia, and have contributed to widely used insurance publications, such as regulatory handbooks published by the Practising Law Institute, the Society of Actuaries' textbook, Insurance Industry Mergers & Acquisitions, and Aspen Publisher's Handbook on Insurance Coverage Disputes. Our lawyers understand the insurance industry's business as well as its legal needs, and Chambers called our arbitration/litigation insurance practice "a strong group of lawyers who are excellent representatives of the industry."

Members of our insurance team have had long-term working relationships with insurance department regulators in most states, including New York, Connecticut, California, Florida, Delaware, New Jersey, Pennsylvania and Massachusetts. Our lawyers know and have worked with regulators who are directing the Federal Insurance Office as well as the development of the new federal and state health insurance programs.

Our lawyers have handled the corporate and regulatory aspects of multibillion-dollar M&A insurance transactions. We have represented major insurance companies in industry-wide, multi-state investigations in the life, P&C and title insurance areas, and have advised them in criminal and civil class-action proceedings, such as the bid-rigging investigations brought by former New York Attorney General Eliot Spitzer.

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The Regulation of Insurance Claim Practices - University of …

Category: Insurance Regulation

In his foundational article on insurance regulation, Spencer Kimball stated, “The major objective of insurance regulation is to facilitate the successful operation of the insurance enterprise …

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Insurance Laws by State - FindLaw

Category: Insurance Law

This FindLaw article lists timelines for the payment of certain insurance claims, whether the state has adopted the Medicaid expansion, and the basic auto insurance laws for each state.

Insurance law includes a vast expanse of statutes, codes, rules, and regulations. And to make matters a little more complicated, each state makes its own laws to regulate the insurance industry operating within its borders, though there are federal insurance laws as well.

Many insurance laws are meant to protect consumers. For example, states require insurance companies to investigate and process claims in a timely manner, either by giving specific timelines to approve, deny, or pay a claim, or by prohibiting unnecessary delays. Additional types of consumer protection laws include prohibitions on deceptive marketing practices and discrimination in selling and pricing insurance policies.

Other laws pertain to a certain type of insurance, like health insurance or homeowners insurance. With health insurance, federal and state laws are intertwined and constantly changing, thanks to the hot-button nature of health care in the political arena. For example, while federal law currently regulates much of the health insurance industry, individual states can choose whether or not to accept additional federal funding in order to expand Medicaid eligibility in their state.

Another area of insurance law that affects many of us is car insurance. With the exception of New Hampshire, all states require you to have car insurance, but to varying degrees. For instance, some states only require liability insurance, while others also mandate uninsured and underinsured motorist coverage (UM/UIM) and personal injury protection (PIP). State insurance laws also specify the minimum amounts of coverage required. For example, a given state might require all liability policies to carry at least $25,000 of coverage for bodily injury or death to any one person in an accident, $50,000 for bodily injury or death per accident, and $25,000 for property damage. In the statute or code, these numbers are listed as “25/50/25.”

The table below lists timelines for the payment of certain insurance claims, whether the state has adopted the Medicaid expansion, and the basic auto insurance requirements for each state. Since there are exceptions to every rule, and laws are constantly changing, it’s always best to consult with an insurance law attorney who can advise you on the particulars of your case in your state.

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Insurance law - Wikipedia

Category: Insurance Law

Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories - regulation of the business of insurance; regulation of the content of insurance policies, especially with regard to consumer policies; and regulation of claim handling wise.

The earliest form of insurance is probably marine insurance, although forms of mutuality (group self-insurance) existed before that. Marine insurance originated with the merchants of the Hanseatic league and the financiers of Lombardy in the 12th and 13th centuries, recorded in the name of Lombard Street in the City of London, the oldest trading insurance market. In those early days, insurance was intrinsically coupled with the expansion of mercantilism, and exploration (and exploitation) of new sources of gold, silver, spices, furs and other precious goods - including slaves - from the New World. For these merchant adventurers, insurance was the "means whereof it comes to pass that upon the loss or perishing of any ship there followed not the undoing of any man, but the loss lighteth rather easily upon many than upon a few... whereby all merchants, especially those of the younger sort, are allured to venture more willingly and more freely."[1]

The expansion of English maritime trade made London the centre of an insurance market that, by the 18th century, was the largest in the world. Underwriters sat in bars, or newly fashionable coffee-shops such as that run by Edward Lloyd on Lombard Street, considering the details of proposed mercantile "adventures" and indicating the extent to which they would share upon the risks entailed by writing their "scratch" or signature upon the documents shown to them.

At the same time, eighteenth-century judge William Murray, Lord Mansfield, was developing the substantive law of insurance to an extent where it has largely remained unchanged to the present day - at least insofar as concerns commercial, non-consumer business - in the common-law jurisdictions. Mansfield drew from "foreign authorities" and "intelligent merchants"

"Those leading principles which may be considered the common law of the sea, and the common law of merchants, which he found prevailing across the commercial world, and to which every question of insurance was easily referrable. Hence the great celebrity of his judgments, and hence the respect they command in foreign countries".[2]

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Insurance - Main

Homepage for Insurance Division of the Tennessee Department of Commerce and Insurance

The Insurance Division is comprised of seven sections tasked with protecting consumers and ensuring a viable insurance marketplace in the State. This Division regulates and licenses both individuals and corporations, a-sesses suspicions of fraud, and provides resources to compare various insurance providers for citizens of Tennessee.

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INSURANCE REGULATION IN A NUTSHELL - PLI

Category: Insurance Laws

Following the kind of regulatory requirements found in state insurance laws, the NIA would regulate a National Insurer that is a member of an insurance holding company in the following …

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Laws | Free Full-Text | A Regulatory Perspective on the Actual Challenges for the European Deposit Insurance Scheme | HTML

The European financial regulation is evolving with new and specific forms of cooperation for the member states, enhancing concepts and innovative rule of law, particularly featuring the actual level of harmonization. This paper investigates the European deposit insurance scheme, in the context of the European law development, in reply to the current economic and social challenges and in accordance with the principles of the free market. The methods of research include a theoretical investigation of the relevant literature, a comparison of the proposed regulation and regulation in force, synthesis, and deduction. The research results are based on the a-sessment of the progress of negotiation in building efficient mechanisms to stimulate money saving conduct for individuals and legal persons, globally and within the European Union. Acknowledging the status of the three pillars of the European banking union legislative package, the member states have unanimously agreed that the framework established by the Directive from 2014 needed a bracing approach, to ensure more protection and to support enhanced financial integration. The analysis carried out showed the importance of the European deposit insurance scheme in the context of the present global challenges. The money saving conduct was strongly influenced by the regulation for the deposit guarantee mechanism, while the tight estimated agenda for the final regulatory proposal asks for ingenious cooperation to reach a consensus within members states. The research showed the imperative to build common legislation for the member states and a future direction of investigation to evaluate the effects of the gap between the domestic regulation and milestone generated by the European directives in each state legal framework.

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Electrical Permits

Please click the b-ttons below to purchase Electrical and/or Residential permits, add inspection services, request inspections, request re-inspections, print permits and request refunds. Please view the tutorial videos located on the CORE system if you have any questions about CORE.

CORE is the Comprehensive Online Regulatory & Enforcement System that Commerce and Insurance uses for managing licenses, certifications, registrations and permits. First-time users will need to register for a new account. This account will be used to purchase and service permits, including printing your permit and requesting inspections.

With approximately 100 contracted Deputy Electrical Inspectors (DEIs) spread across the entire state, this section performs residential, commercial, and industrial electrical inspections of new and existing structures. This section is responsible for enforcing the provisions of the 2017 edition of the National Electric Code and all state laws and rules concerning the conducting, conveying, consumption, or use of electrical energy in, or in connection, with any building, structure, or premises located in this state. Contracted private persons, companies, and governmental entities issue electrical permits at locations throughout most of the state.

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