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The insurance industry operates with a high level of oversight from public officials. That’s a given. There aren’t a lot of serious public policy discussions going on regarding removing government oversight altogether. But while the propriety of some amount of oversight is rarely debated, many questions are debated every day about how much oversight is necessary, what kind of oversight is necessary, and who should provide oversight in what manner.

The question of who provides oversight may seem incidental at first, but it’s not. The manner in which different public officials can and do interact with the insurance industry is affected in material ways by their respective roles. Furthermore, the sheer number of government officials vying to exercise authority over the insurance industry has an impact.

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