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State-Based Insurance Regulation
is Protecting the Future

The National Association of Insurance Commissioners (NAIC) is educating the public about the compelling benefits of state-based insurance regulation—a system that has served the American people exceptionally well. By ensuring soundness, solvency, stability and competition, state-based insurance regulation does more than make insurance markets work—it protects the future for American consumers, employers and the economy as a whole.

What Others are Saying

Insurance market regulation is very complex, and what works in one state may not work in another.

Read letters of support from elected government officials and industry associations in favor of preserving state-based insurance regulation to ensure markets can adapt to meet future economic and financial challenges.

Reference Room

Review media, testimonies, speeches, fact sheets, reports and research about state-based insurance regulation.

From NAIC Leadership

Read the latest from NAIC leadership as they engage with domestic and international partners to effectively respond to emerging issues, new products, innovations and changes in the financial services landscape.

Regulatory Environment and Support

In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act reaffirmed the state-based regulatory model for insurance. The Act’s limited impact on the insurance sector is a recognition that state regulation works and protected consumers throughout the financial crisis. 


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(816) 783-8909