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Shortly after industry lawyers called conflicts over the scope of the Financial Stability Oversight Council the “cutting-edge issue” for insurance regulation, an industry report labeled the Federal Insurance Office the “biggest wildcard” in regulatory reform.

Both new federal bodies, housed in the Treasury Department, were created by the Dodd-Frank financial services reform law. And while experts have differing views on which office could have the greatest impact on regulation, they all said the timing is still early, with the biggest questions still unanswered.

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