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The Regulator

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Accounting

  How International Accounting Standards Will Affect the U.S. Insurance Industry Nick Mallouf 3/03
  Are You Ready for Codification? Dave Christensen 1/01
  Shortage of Accountants Creates Dilemma for State Insurance Departments, Companies Scott Hoober 3/00

Auto Insurance

  Colossus Will Bite Auto Insurers if They're Not Careful Brian Sullivan 3/03
  Auto Insurance in Crisis? Maybe . . . and Maybe Not Scott Hoober 11/02
  Credit Scoring Raising Hackles, But Will Regulators Lower the Boom? Scott Hoober 9/02
  Georgia Auto Insurers Grapple with New "Diminished Value" Rules (also see letter in May 2002 issue) Dave Hurst & Wayne Cotter 3/02
  Warren Buffett: I Was Wrong Wayne Cotter 5/01
  Third-Party Loss Evaluators Drawing More Scrutiny Scott Hoober 1/01
  Autograph Technology Allows Insurers to Accurately Track Usage Wayne Cotter 11/00
  Progressive: What Happened? Brian Sullivan 11/00

Banks and Insurance

  Bank Insurance Agencies and State Regulation Cathy L. McLaughlin 3/99

Business Interruption/Income Coverage

  Business Not As Usual (also see "Clarification," 3/02) Scott Hoober 1/02

Captive Insurance Companies

  Captives Are Captivating – But for How Much Longer? Scott Hoober 7/03

Career Development Seminars

  Regulators: Come to Scottsdale to Learn, Learn, Learn Stephen E. King 7/03
  Welcome to the "West's Most Western Town" – Scottsdale Carol Hogan 7/03
  Seeking a Common Vision, Part II Wayne Cotter & Scott Hoober 11/02
  Seeking a Common Vision – An Interview with Commissioners Vaughan (Iowa), Montemayor (Texas), Ario (Oregon) and Covington (Ohio), Part I Wayne Cotter and Scott Hoober 9/02
  Deep in the Heart of San Antonio Kashyap Saraiya 7/02
  The IRES Annual CDS: A History 5/02
  The San Antonio CDS – A Preview Stephen Martuscello 5/02
  2002 CDS: San Antonio – A Perfect Blend of History, Tradition and Progress Kashyap Saraiya 5/02
  Consumer Rights v. Financial Institution Rights Paul Bicica 9/01
  Combating Internet Fraud Kathleen McQueen 9/01
  LTC Policies that Partner with Medicaid Kashyap Saraiya 9/01
  Federal Reserve as an "Umbrella Supervisor" Frank D. Seidel 9/01
  Up Close and Personal with Tom Vartanian Wayne Cotter 9/01
  Up Close and Personal with Kirk Yeager Pam Donnewald 9/01
  Up Close and Personal with Ron Sallow Kathleen McQueen 9/01
  Up Close and Personal with Weldon Hazlewood Gerald Milsky 9/01
  Up Close and Personal with Robert Johnson and Lee Kapos Frank D. Seidel 9/01
  New Orleans Roundtable Offers Tasty Discourse Wayne Cotter 9/00
  Nichols: States Must Adopt Uniform Market Conduct Standards or Face Demise Scott Hoober & Kim Moore 9/00
  Commissioners: It's a Brand New Ballgame Wayne Cotter 9/99
  NAIC President Reider: A Bright Future in Store for Regulators Willing to Change Scott Hoober 9/99
  NAIC President Says: More Uniform Regulation is Only Weapon Against Feds Scott Hoober 9/98
  Midwest Regulators Reflect Pride, Uneasiness Wayne Cotter 9/98
  Chicago Dennis Turner 3/98
  Casual Observations appears periodically and offers perspectives on various insurance issues 11/03

Codification

  Are You Ready for Codification? Dave Christensen 1/01

Commercial Lines

  Deregulation of Commercial Lines: An Examiner's Point of View Mary Lou Clark 7/99

Consumer Issues

  When Life Products Don't Fit Consumers' Needs, What Then? Scott Hoober 1/03
  Eschew Obfuscation: Communicating Effectively with Consumers Paul Bicica 11/00

Credit Scoring

  Credit Scoring Raising Hackles, But Will Regulators Lower the Boom? Scott Hoober 9/02

Derivatives

  Derivatives as Times Bombs? Warren Buffett 7/03

E-Commerce/Technology

  Colossus Will Bite Auto Insurers if They're Not Careful Brian Sullivan 3/03
  Grading the Sites: Insurance on the Internet Wayne Cotter 5/01
  Watching the Web 7/00
  Insurance on the Internet Forces Regulators to Question Old Definitions, Old Concepts Douglas A. Greer 5/00
  A Look at How the Internet Can Help Insurers Improve their Relationships with Regulators Steve Feldman 5/00
  A Call for Restraint (an interview with Art Chartrand) Wayne Cotter 5/00
  The Role of "Aggregators" in Internet Insurance Sales Ron Kuhnel & Eric Loewe 5/00
  E-Commerce Revolution Has Yet to Take Insurance Market by Storm Scott Hoober 5/00
  Technology, Not Legislation, is Transforming the Global Financial Services Marketplace Scott Hoober 1/00

Fraud

  Unauthorized Health Insurers: One State's Response Angela K. Ford 5/02
  Departments and AGs Use Varied Tools to Battle Fraud Scott Hoober 3/02
  Custodial Accounts: Keeping an Eye on the Assets Vincent Laurenzano* 5/01
  Sunshine State Confronts the Dark Side of Viaticals Kevin McCarty 3/01
  GAO's Frankel Report: States Failed to Notice Obvious Signs of Fraud 11/00
  A New Weapon to Help Regulators Combat Fraud Dennis Jay 1/00
  The Costly Trilogy of Insurance Fraud William C. Creel 7/98*

Gramm-Leach-Bliley/Financial Services Reform

  NAIC: Producer Reciprocity Standard in Place for 35 States 11/02
  Uniformity for the Sake of Uniformity? Gerald A. Milsky 7/02
  Uniform Licensing Inches Closer Maryellen Waggoner 1/02
  "Bancassurance" Financial Revolution Has Yet to Arrive Ray Soifer 1/01
  Regulators Grapple with Privacy Concerns Scott Hoober & Kim Moore 9/00
  NARAB Fears Moving States to Uniformity Scott Hoober & Kim Moore 9/00
  With Passage of New Act, It's Time Regulators Get To Know Their Local Federal Reserve Bank Scott Hoober 3/00
  The Great American S.900 Quiz Wayne Cotter 3/00
  What Every Regulator Should Know About the 1999 Financial Reform Law Wayne Cotter 1/00
  Bank/Financial Holding Company Powers Dennis W. Toivonen 1/00
  Financial Privacy Far From a Reality Under New Law Frank Torres 1/00
  Functional Regulation is Now the Law of the Land George Nichols 1/00
  At Long Last: Uniform Licensing Ken A. Crerar 1/00
  Observations on Financial Services Integration Joseph Belth 1/00
  Regulators of Non-Domestic Insurers Impeded by New Law Bonnie Steingart 1/00
  A New Weapon to Help Regulators Combat Fraud Dennis Jay 1/00

Health Insurance

  State Regulators Searching for Answers to Lingering Health Insurance Crisis Scott Hoober 11/03
  Five Concerns About Association Health Plans Sandy Praeger 11/03
  Getting Hip to HIPPPA: New HIPPA Privacy Rules are Coming Francis J. Serbaroli & Vimala Varghese 1/03
  Unauthorized Health Insurers: One State's Response Angela K. Ford 5/02
  Recent Health-Related Studies/Persons Without Health Insurance, 1990-99 7/01
  Mental Health and Managed Care: Evaluating the Results James Wrich 7/01
  Assessing the Nation's Health Care Privacy Rules Georgetown University 7/01
  When Medicare HMOs Bail Out on Their Policyholders Scott Hoober 7/01

HMOs

  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? NO: It Makes No Sense Stephanie Kanwit 5/03
  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? YES: Punish Misconduct Perenich, Caroll, Perenich, Avril & Caulfield 5/03
  When Medicare HMOs Bail Out on their Policyholders Scott Hoober 7/01

Homeowners Insurance

  We Haven't Yet Broken the Mold Dilemma Kirk Hansen 11/03
  One RegulatorŐs False Claims History Tony Cignarale 9/03
  Credit Scoring Raising Hackles, But Will Regulators Lower the Boom? Scott Hoober 9/02
  Mold Outbreak Nick Mallouf 1/02
  When Natural Disaster Strikes: Seeking Federal Remedies Ross J. Davidson Jr. 7/00

Insurance Department Profiles

  West Virginia Keeps Close to the Companies it Examines, and the Consumers it Serves Scott Hoober 7/00
  Catastrophe Tests Hands-On Style of Oklahoma's New Commissioner Scott Hoober 7/99
  For Alabama Regulators, Each Day is a Disaster Waiting to Happen Scott Hoober 5/99
  California Faces Changes in Comp, Quake Coverages Scott Hoober 3/99
  Indiana Rebounds From National Media Inquiry Scott Hoober 7/98
  Oregon Mulls Hi-Tech Analysis vs. Face-to-Face Examination Scott Hoober 3/98

IRES Information

  IRES to Launch Market Conduct Training Project 7/03
  Brad Connor Retiring 3/03
  Charlie Elgin: 1929-2002 11/02
  Paul Bicica of Vermont is New IRES President 9/02
  Thanks to Weldon, Tommy and Scott 9/02
  Shirley Robertson of Nevada Receives 2002 Al Greer Award 9/02
  IRES Honors Susan Morrison 9/02
  Consumer Advocate Wins Publications Award 9/02
  IRES Turns 15: A Look Back at the Birth, and Growing Pains, of our Society Scott Hoober 5/02
  Talking with . . . Tom Reents Kirk Yeager 5/02
  Talking with . . . Brad Connor Cynthia Amann 5/02
  Talking with . . . John Reiersen Wayne Cotter 5/02
  IRES Trivia Quiz 5/02
  IRES Past Presidents 5/02
  President's Award Recipients 5/02
  The IRES Annual CDS: A History 5/02
  New Technology Option Added to AIE Curriculum 3/02
  Al Greer: 1911-2001 1/02
  Establishing Dynamic State Chapters Pam Donnewald & Karen Dyke 1/02
  Jann Goodpaster of Oregon is New IRES President 9/01
  IRES Adds New Accreditation Option for State Health Care Regulators Ed Mailen 5/01
  Board Approves Changes to IRES Curriculum for AIE/CIE Designations Jann Goodpaster 9/99
  Past Presidents to Focus on IRES' Future Gary L. Domer 3/99
  IRES Web Site Update Scott Hoober 1/99
  Code of Professional Conduct and Ethics Adopted 7/98
  Chapter News appears in every issue of The Regulator. The column provides information on the activities of various state chapters.

Legal Issues

  U.S. Supreme Court Roundup, 2002-03 Term Mark Gardner 11/03

Licensing

  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? NO: It Makes No Sense Stephanie Kanwit 5/03
  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? YES: Punish Misconduct Perenich, Caroll, Perenich, Avril & Caulfield 5/03
  Uniform Licensing Inches Closer Maryellen Waggoner 1/02
  Uniformity for the Sake of Uniformity? Gerald A. Milsky* 7/02

Life Insurance

  When Life Products Don't Fit Consumers' Needs, What Then? Scott Hoober 1/03
  Companies Facing More Scrutiny from Regulators about "Janitor's Life" Plans Scott Hoober 7/02

Litigation

  How Increased Litigation Costs Impact Insurance Consumers Nick Mallouf 5/01

Market Conduct Regulation

  IRES to Launch Market Conduct Training Project 7/03
  Market Conduct "Baseline" Exams Donald P. Koch 11/02
  Commissioners Set Goals for Market Conduct Reform Tim Mullin 7/02
  Quo Vadis Market Conduct? The NCOIL Study, the Industry Viewpoint 11/00
  Nichols: States Must Adopt Uniform Market Conduct Standards or Face Demise Scott Hoober & Kim Moore 9/00
  Market Conduct Exams: An Insurer's Perspective Mark Gardner 7/00
  How to Avoid Bad Grades on Market Conduct Exams David Holstein 1/99
  How to Avoid Market Conduct Exam Pitfalls Donald P. Koch 11/98
  NAIC Survey: Market Conduct Exams by Staff? By Contractors? The States are Split Scott Hoober 11/98
  Keeping the Horses in the Barn: Facing the Issue of Confidential Exam Documents Kathy A. Steadman* 5/98
  Not Everyone Wild About Multistate Market Exams Scott Hoober 5/98
  Oregon Mulls Hi-Tech Analysis vs. Face-to-Face Examination Scott Hoober 3/98

Medical Malpractice

  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? NO: It Makes No Sense Stephanie Kanwit 5/03
  Should HMO Coverage Decisions be Subject to Medical Malpractice Lawsuits? YES: Punish Misconduct Perenich, Caroll, Perenich, Avril & Caulfield 5/03

Medicare

  When Medicare HMOs Bail Out on Their Policyholders Scott Hoober 7/01

Miscellaneous

  Know Your Insurance Commissioners: A State-by-State Index 5/03
  Farewell to Christel 5/03
  Brad Connor Retiring 3/03
  Identifying Regulatory Excellence Richard E. Stewart 3/03
  Garamendi Wins? Wayne Cotter 1/03
  Charlie Elgin: 1929-2002 11/02
  Oldest Working Life Actuary to Leave State Service 11/02
  Learning the Tricky Language of Losses Warren Buffett 7/02
  Dull v. Duller: Lawyers Battle Over Citation Style Mark L. Gardner 3/02
  Under the Radar Screen Wayne Cotter 1/02
  Update: UPS Wins! 7/01
  Are Elected Commissioners Closer to the People's Pulse – Or Too Close? Scott Hoober 3/01
  The UPS Tax Case: Where Were the Insurance Regulators? Mark L. Gardner 3/01
  The Country's Oldest Working Life Actuary Wayne Cotter 1/01
  California's Quackenbush Scandal Tarnishes Industry, Panelists Say Frederick L. Pliot 1/01
  Brain Teasers Wayne Cotter & Kashyap Saraiya 7/00

Mold

  We Haven't Yet Broken the Mold Dilemma Kirk Hansen 11/03
  Mold Outbreak Nick Mallouf 1/02

NAIC Developments

  NAIC: Producer Reciprocity Standard in Place for 35 States 11/02
  Commissioners Set Goals for Market Conduct Reform Tim Mullin 7/02
  NAIC Survey: Market Conduct Exams by Staff? By Contractors? The States are Split Scott Hoober 11/98

President's Column

  The President's Column appears in every issue of The Regulator. The column contains brief thoughts on topical issues from the President of IRES.

Privacy Issues

  Getting Hip to HIPPA: New HIPPA Privacy Rules are Coming Francis J. Serbaroli & Vimala Varghese 1/03
  Regulators Grapple with Privacy Concerns Scott Hoober & Kim Moore 1/03
  Financial Privacy Far From a Reality Under New Law Frank Torres 1/03

Rating Agencies

  Rating the Raters: What Should Consumers and Regulators Make of A.M. Best and Other Rating Agencies Scott Hoober 3/03

Regulatory Roundup

  The Regulatory Roundup appears in every issue of The Regulator. The column includes summaries of recent legislation, court decisions, insurance department bulletins, etc., involving insurance issues throughout the U.S.

Sept. 11, 2001

  Terrorism Risk Insurance Act of 2002: Highlights Wayne Cotter 1/03
  Business Not As Usual Scott Hoober 1/02
  Under the Radar Screen Wayne Cotter 1/02
  Regulators: Be Aware of These Emerging Issues Kashyap Saraiya & Wayne Cotter 11/01
  Are Insurers Prepared for the Mental Health Fallout from Sept. 11? Vicki Lankarge 11/01
  Compensation Fund Established for 9/11 Victims Wayne Cotter 11/01
  Remembering September 11 Wayne Cotter 11/01
  New York Insurance Regulators Respond to Aftermath of WTC Scott Hoober 11/01

Solvency Regulation

  Regulation Helps Insurers Stay Healthy in Unhealthy Climate Joseph L. Petrelli 11/02
  Learning the Tricky Language of Losses Warren Buffett 7/02
  SPEs and CAT Bonds Vincent Laurenzano 3/02
  Enron's Impact on State Outsourcing Decisions J. Robert Hunter* 3/02
  "Risk-Focused" Exams: Choosing the Right Tool Frances J. O'Connor 11/01
  Custodial Accounts: Keeping an Eye on the Assets Vincent Laurenzano* 5/01
  Are You Ready for Codification? Dave Christensen 1/01

Speed-to-Market

  Five Strengths of Speed-to-Market George Nichols 11/00
  Five Reasons Why Insurance Consumers are Concerned about Speed-to-Market J. Robert Hunter 11/00
  Is Speed-to-Market Racing Too Fast for Consumers? Scott Hoober 11/00

Staffing Insurance Departments

  Regulators Juggling Responsibilities in Light of Stringent State Budgets Scott Hoober 5/03
  Shortage of Accountants Creates Dilemma for State Insurance Departments, Companies Scott Hoober 3/00

State vs. Federal Regulation

  The Impact of Corporate Governance and Financial Scandals on Insurance Regulation William J. Larkin & J. Stephen Casscles 7/03
  Courts May Decide the Future of State Regulation David F. Snyder 7/03
  NAIC's Sebelius Says State Regulation is Alive and Well Scott Hoober 9/01
  Is State Regulation Dead? Joseph Belth
Wayne Cotter
Michael Duncan
Angela Ford
Scott Hoober
J. Robert Hunter
Peter Kinzler
Sean Mooney
George Nichols*
George Reider
John Reiersen
David Snyder
11/99
  More Uniform Regulation is Only Weapon Against Feds Scott Hoober 9/98

Suitability

  When Life Products Don't Fit Consumers' Needs, What Then? Scott Hoober 1/03

Terrorism

  Insurance and the Risk of Terrorism Conning & Conning Research 5/03
  Terrorism Risk Insurance Act of 2002: Highlights Wayne Cotter 1/03

Viaticals

  Sunshine State Confronts the Dark Side of Viaticals Kevin McCarty 3/01

*Winner, Schrader-Nelson "Article of the Year" Award. Click here for a list of all the winners

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