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The Journal reports on how the National Association of Insurance Commissioners (NAIC), an alliance of all the states top regulators, quietly but dramatically changed the course of insurance regulation. This led to industry opposition and boycott. "Unlike banking and securities, the insurance industry had always managed to remain free of federal regulation, en exemption written into federal law in 1945. Meanwhile, at the state level, insurers -- as big employers and generous campaign contributors -- typically could count on kid-glove treatment."
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