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Dodd-Frank Reform


Dodd-Frank Reform

Six years after the adoption of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), there have been continued efforts to reform and repeal parts of the law. While previous efforts have been largely unsuccessful, there will again be legislation proposed that will affect issues important to insurers. 

It is important to remember that the business of insurance was not and is not a source of instability to the financial system or the economy.  Property-casualty insurers are extensively regulated under U.S. state law, closely supervised by state insurance authorities, and should not be subject to onerous or duplicative supervision.  To the extent that Dodd-Frank continues to subject financial products and services companies to consumer protection regulation (see Title X), the federal government –  consistent with the business of insurance exemption – should defer to the state insurance regulators.  Conversely, federal involvement in insurance policy matters, where applicable under Dodd-Frank, should advance regulatory efficiencies at the state level.

To join our efforts on this issue, please contact Joanne Brodt, AIA’s director of membership.

For press inquiries or to speak with one of our experts, please contact Maggie Seidel, AIA’s vice president of public affairs.


Maggie Seidel
(202) 828-7196

Courtney Thomas
(847) 553-3602

Joanne Softcheck
(847) 553-3825