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FEDERALhearing transcript

House Subcommittee Hearing on Federal Insurance Regulation

Original title: THE FEDERAL GOVERNMENT'S ROLE IN THE INSURANCE INDUSTRY

January 1, 2018

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The Frame

What this does

The hearing record documents the legislative debate over whether insurance should be regulated primarily at the state level or if increased federal oversight is necessary, which impacts how insurance companies operate and how consumers are protected across state lines.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Insurance companies

These entities are subject to the regulatory frameworks discussed, which dictate their operational requirements and oversight.

State insurance regulators

These officials manage state-level insurance oversight and are involved in the debate regarding the balance between state and federal authority.

What changed

Last recorded activity January 1, 2018.

What's next

Next step not available in the current record.

Summary

This document is the official record of a 2017 House on Housing and Insurance hearing regarding the federal government's role in the insurance industry. It includes testimony from insurance executives, legal experts, and state regulators, along with supplemental statements from various industry trade associations.

Key Facts

  • The hearing took place on October 24, 2017, before the Subcommittee on Housing and Insurance.
  • The hearing focused on the scope and necessity of federal involvement in the insurance industry.
  • Four primary witnesses provided testimony: Paul Ehlert, Daniel Schwarcz, Rick Means, and Katharine Wade.
  • The document contains written statements from eight industry trade associations, including the American Council of Life Insurers and the Reinsurance Association of America.
  • Witnesses and members submitted written responses to follow-up questions for the record, which are included in the appendix.
  • The record includes an article regarding the collapse of AIG submitted by Representative Edward Royce.

Frequently Asked Questions

What was the purpose of this hearing?
The hearing was held to examine the federal government's role in the insurance industry and discuss regulatory oversight.
Who testified at this hearing?
The witnesses included Paul Ehlert (Germania Insurance), Daniel Schwarcz (University of Minnesota Law School), Rick Means (Shelter Insurance Companies), and Katharine Wade (Connecticut Insurance Department).

Why It Matters

The hearing record documents the legislative debate over whether insurance should be regulated primarily at the state level or if increased federal oversight is necessary, which impacts how insurance companies operate and how consumers are protected across state lines.

News Coverage

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Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

cross reference90% confidence

Historical Context of AIG

The inclusion of an article on the AIG collapse suggests the committee was using past financial crises to frame the discussion on current insurance regulation.

Connected Entities

personRick MeansWitness; President and CEO of Shelter Insurance Companies.Map →
personPaul EhlertWitness; President of Germania Insurance.Map →
personKatharine WadeWitness; Commissioner of the Connecticut Insurance Department.Map →
personSean P. DuffyChairman of the Subcommittee on Housing and Insurance.Map →
organizationNational Association of Insurance CommissionersOrganization representing state insurance regulators.Map →
organizationSubcommittee on Housing and InsuranceThe congressional body that held the hearing.Map →
personDaniel SchwarczWitness; Professor of Law at University of Minnesota Law School.Map →

Sources

Open source document

www.govinfo.gov

Analysis Score

0–100
  • Significance40
    How much this matters to a regular citizen
  • Controversy30
    Intensity of disagreement among stakeholders
  • Entertainment10
    Compellingness for a non-policy-wonk reader
  • Buzz5
    Current news / social attention level

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