Insurance Regulation


RE: SB 122 – Agreements Between Service Providers and Consumers
Christian Cámara

Simmons and members of the committee,

name is Christian Cámara. I am a co-founder and senior fellow of the R Street
Institute, a Washington-based, free-market public policy research…

Oregon Should Reject Third-Party Bad Faith
R.J. Lehmann

The experience of Oregon’s neighbors California and Washington both demonstrate that permitting third-party bad-faith lawsuits invites litigation costs that inevitably threaten the availability…

R Street Policy Study: Oregon Should Reject Third-Party Bad Faith
Ann Phelan

SALEM (March 4) – This week the Oregon State Legislature will consider legislation to create a direct cause of action for third parties to sue insurance companies for their claims settlement…

DO PASS: New York S. 3625, Modernizing Commercial Property and Casualty Insurance
R.J. Lehmann

Dear Senator,

I write to encourage you to take up and pass S. 3625, sponsored by Sens. Neil Breslin, D-Albany, and James L. Seward, R-Milford. This legislation would exempt from rate and form…

, Insider Advantage
Georgia’s Insurance Regulation Needs Improvement
R.J. Lehmann & Marc Hyden

Like the underachieving student in the back of the class, Georgia recently earned a C grade for its regulation of the insurance market, as laid out in the annual Insurance Regulation Report Card…

2018 Insurance Regulation Report Card
R.J. Lehmann

In 2018, we saw progress toward more competitive insurance markets. Residual property insurance mechanisms continued to shrink. Several states, notably Missouri, moved to loosen systems for filing…

The R Street Institute releases seventh annual Insurance Regulation Report Card
Ann Phelan

Vermont tops the list for the fifth straight year; Louisiana ranks worst in the country 

WASHINGTON (Dec. 26) – For the seventh year in a row, the R Street Institute has compiled its Insurance…

, The Hill
US insurance regulation is unconstitutional
R.J. Lehmann

Insurance regulation in the United States differs markedly from other types of financial services regulation. While banks and securities firms must comply with extensive federal regulations, insurers…

, Artemis
Should Fannie & Freddie transfer earthquake risk to the capital markets?
Media Coverage

From Artemis:
The two government-sponsored enterprises (GSE’s) in mortgage risk, Fannie Mae (the Federal National Mortgage Association) and Freddie Mac (the Federal Home Loan Mortgage…

Legislature’s Inaction on Homeowner’s Insurance Will Cost Floridians
Marc Hyden

Florida homeowners are in for some unwelcome news. Insurance rates appear poised to surge yet again. The state-run Citizens Property Insurance Corp. will consider an average statewide premium…