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Until the Dodd-Frank Act of 2010, regulation of the insurance industry at the federal level had been deemed entirely off limits.

But Dodd-Frank—one of whose primary aims is to avoid another hundred-billion-dollar Washington bailout, such as the one insurer AIG received—sticks the proverbial camel’s nose under the tent of an industry that had been completely state-regulated since the country’s founding.

Under the terms of Dodd-Frank, a Federal Insurance Office (FIO) has been created. A key role of this office is to serve as a negotiator for international insurance treaties.

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