Developments In State Insurance Regulation
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Developments In State Insurance Regulation
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Author : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness
language : en
Publisher:
Release Date : 1988
Developments In State Insurance Regulation written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Insurance categories.
Modernizing Insurance Regulation
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Author : John H. Biggs
language : en
Publisher: John Wiley & Sons
Release Date : 2014-03-25
Modernizing Insurance Regulation written by John H. Biggs and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-25 with Business & Economics categories.
The future of the insurance regulation begins now For those involved with the insurance industry, from investmentprofessionals to policy makers, and regulators to legislators,tremendous change is coming. With insurance premiums constitutingan ever-growing portion of annual U.S. GDP and provisions of theDodd-Frank Act specifically calling for modernization of insuranceregulations, the issues at hand are pervasive. In ModernizingInsurance Regulation, these issues are described against abackdrop of the political and industry discussions that surroundinsurance, regulation, and systemic risk. Experts Viral V. Acharyaand Matthew Richardson discuss a variety of issues with topthinkers in the fields of finance, derivatives, credit risk, andbanking to bring to light the most germane elements of this ongoingdiscussion. In Modernizing Insurance Regulation, Acharya andRichardson call on the expertise of all the relevant stakeholderswithin government, academia, and industry to offer a well-roundedand independent view of insurance regulation and how the evolutionof this key industry affects the U.S. economy now and in thefuture. Provides an overview of the feasibility of maintaining astate-level regulatory structure Offers a view of the issues from top academics, industryleaders, and state regulators Explores the debate surrounding the insurance industry andsystemic risk Provides an in-depth look at upcoming changes under theDodd-Frank Act Modernizing Insurance Regulation provides a look into thecrucial changes coming to insurance regulation and an overview ofhow those changes will affect almost everyone.
The Future Of Insurance Regulation In The United States
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Author : Martin F. Grace
language : en
Publisher: Rowman & Littlefield
Release Date : 2009-12-01
The Future Of Insurance Regulation In The United States written by Martin F. Grace and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-12-01 with Business & Economics categories.
A Brookings Institution Press and Georgia State University publication Important changes have buffeted the insurance industry over the past decade. The 1999 repeal of key provisions of the Glass-Steagall Act unleashed a wave of conglomeration in financial services, as bank holding companies acquired insurance and securities businesses and, to a much lesser degree, insurance companies acquired securities firms and banks. Rivalry within the sector has intensified: insurance companies have developed products that compete directly with the offerings of banks and securities firms and vice versa. In addition, the industry has become increasingly global. Against this backdrop, pressure has been building for fundamental changes to the structure of insurance regulation in the United States. Despite several court challenges over the years, insurance continues to be regulated by the states. Many insurance companies view state regulation as an increasing drag on their efficiency and competitiveness and support a federal regulatory system. However, powerful stakeholders, including state officials, state and regional insurance companies, and many insurance agents, oppose federal regulation. As a result, proposals to establish an optional federal charter (OFC) for insurance companies and agents remain mired in fierce debate. The Future of Insurance Regulation in the United States gathers some of the country's leading experts on financial regulation to assess the case for an enhanced federal role in the insurance sector. They pay particular attention to the merits of an OFC and how it might be designed. They also consider the principles that should guide insurance regulatory policies, regardless of the institutional framework, and examine the implications of financial convergence and the internationalization of insurance markets for an optimal regulatory structure. The debate over insurance regulation has only grown in complexity and intensity since the financial crisis began in the fall of 2008. This book will both inform and help to shape those critical discussions. Contributors: John A. Cooke (International Financial Services London), Robert Detlefsen (National Association of Mutual Insurance Companies), Martin F. Grace (Georgia State University), Robert W. Klein (Georgia State University), Robert E. Litan (Ewing Marion Kauffman Foundation and Brookings Institution), Phil O’Connor (PROactive Strategies), Hal S. Scott (Harvard Law School), Harold D. Skipper (Georgia State University), Peter J. Wallison (American Enterprise Institute).
Insurance Regulation
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1990
Insurance Regulation written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1990 with Insurance categories.
Legislative Trends In Insurance Regulation
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Author : Douglas Caddy
language : en
Publisher: Texas A&M University Press
Release Date : 1986
Legislative Trends In Insurance Regulation written by Douglas Caddy and has been published by Texas A&M University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with Law categories.
For many years the American insurance industry, sometimes dubbed the nation's "invisible banker," has enjoyed virtual freedom from federal antitrust regulation and protection from competition with banks and savings and loan associations. State regulation has often proved meaningless. Now, however, as the valuable study makes clear, the complacencies of the past are quickly vanishing, to be replaced by a growing consumer demand for accountability. Such issues as bank deregulation and unisex insurance have forced insurance companies to rethink many of their traditional approaches in order to satisfy consumers and to survive in a harsh economy. In nontechnical language, Douglas Caddy offers an analysis of the major legislative and regulatory trends affecting the insurance industry. Government regulation, he points out, has steadily increased in many American industries, leading to claims that such agencies as the ICC, the CAB, and OSHA have seriously impaired competition and have penalized the consumer. In the end, according to this view, the watchdogs have merely served the groups they were designed to regulate. The growing challenge to government controls has deeply affected the insurance industry and promises to mold state and federal legislation concerning regulation. Issues already pending include changes in the tax code and reforms in rate regulation. Other reformers, as Caddy describes, urge insurance companies to provide consumers with simple disclosure statements detailing the contents of each policy. This book, aimed at insurance executives, lobbyists, and lawyers, but also of interest to concerned laymen, is an excellent introduction to the perplexities facing once of America's most powerful industries. It is sure to be a timely and comprehensive look at insurance in an era of consumerism.
Fundamentals Of Insurance Regulation
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Author : Raymond A. Guenter
language : en
Publisher:
Release Date : 2018-08-07
Fundamentals Of Insurance Regulation written by Raymond A. Guenter and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-08-07 with Business & Economics categories.
"Providing an explanation of the complex state-based regulatory system that governs the U.S. insurance industry, this book presents the applicable statutes, regulations, and judicial decisions, as well as information about the industry's products, its operating procedures, distribution channels, and financial characteristics and performance, as well as a description of the regulatory process."--
Developments In State Insurance Regulation
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Author : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness
language : en
Publisher:
Release Date : 1988
Developments In State Insurance Regulation written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Insurance categories.
Insurance Regulation In The European Community
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Author :
language : en
Publisher: DIANE Publishing
Release Date : 1994
Insurance Regulation In The European Community written by and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Law categories.
Provides information on insurance regulation in the European Community, especially France, Germany, Italy & the U.K. Describes the framework of insurance regulation developed by the European Community to create a single insurance market, & (2) identifies regulatory issues concerning the development & implementation of this framework. Charts & tables.
The Political Economy Of Regulation
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Author : Kenneth J. Meier
language : en
Publisher: SUNY Press
Release Date : 1988-01-01
The Political Economy Of Regulation written by Kenneth J. Meier and has been published by SUNY Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988-01-01 with Political Science categories.
This is the first comprehensive study of the history, politics, and economics of the insurance industry in the United States. It is designed as a theoretical challenge to the conventional wisdom in political economy which says that regulation benefits the regulated. In fact, Meier shows that because the insurance industry is far too divided to impose its will on the regulatory system, the political economy of regulation is actually the product of a complex interaction of industry interests, consumer groups, insurance regulations, and political elites. Using both historical and quantitative approaches, the author examines a variety of insurance issues including the development of insurance regulation; the impact of regulation on the availability and price of insurance; the stringency of state regulation; and the product liability insurance crisis of 1985-86. The book concludes with a series of recommendations for reforming the regulation of insurance.
When Insurers Go Bust
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Author : Guillaume Plantin
language : en
Publisher: Princeton University Press
Release Date : 2009-04-11
When Insurers Go Bust written by Guillaume Plantin and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-04-11 with Business & Economics categories.
In the 1990s, large insurance companies failed in virtually every major market, prompting a fierce and ongoing debate about how to better protect policyholders. Drawing lessons from the failures of four insurance companies, When Insurers Go Bust dramatically advances this debate by arguing that the current approach to insurance regulation should be replaced with mechanisms that replicate the governance of non-financial firms. Rather than immediately addressing the minutiae of supervision, Guillaume Plantin and Jean-Charles Rochet first identify a fundamental economic rationale for supervising the solvency of insurance companies: policyholders are the "bankers" of insurance companies. But because policyholders are too dispersed to effectively monitor insurers, it might be efficient to delegate monitoring to an institution--a prudential authority. Applying recent developments in corporate finance theory and the economic theory of organizations, the authors describe in practical terms how such authorities could be created and given the incentives to behave exactly like bankers behave toward borrowers, as "tough" claimholders.