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The creation of the Federal Insurance Office (FIO) as part of the Dodd-Frank law is a significant breakthrough in one of the country’s most vital sectors of the economy: Former Congressman Michael Oxley, R-Ohio, accurately referred to the insurance sector as the “glue that holds our economy together.”

FIO’s mandated study on how to modernize and improve the insurance-regulatory system in the United States, which is due to appear soon, is an opportunity to identify solutions to the weaknesses in the current system and to create a better regulatory system that will enhance consumer choice and access.

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