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National Association of Insurance Commissioners

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  • Op-Ed

    Why is Oklahoma making an example of an insurer that pays its claims?

    Captive insurance is an industry states compete for, and Oklahoma wrote a law to get its share. One company came. Universal Casualty Risk Retention Group, chartered in 2017 and owned by the transportation businesses it insures,…

    Originally published inThe Journal Record

    Gregory A. Schroeder  |  October 23, 2026

  • Op-Ed

    The insurance fix isn’t in Washington, D.C.

    I’ve gotten the letter about the weeds. I’ve sat through the meetings. But if I want to see where my homeowners association dues go, I have the law on my side: a written request, 10 business…

    Originally published inSanta Fe New Mexican

    Gregory A. Schroeder  |  October 11, 2026

  • White Paper No. 15

    The Other Side of the Parchment

    What a Manhattan Larceny Trial Reveals About the Boundary McCarran-Ferguson Never Drew

    Patrick M. Brenner and Gregory A. Schroeder  |  October 10, 2026

  • In the News

    SPPI in the News: September 2026

    Six September pieces on what regulators may weigh, four coalition letters, and the late-July and August pieces our last roundups missed.

    Southwest Public Policy Institute  |  September 30, 2026

  • White Paper No. 12

    Oklahoma’s Parchment Guarantee

    Two Oklahoma statutes point in opposite directions for a captive risk retention group, and seven years of enforcement built on the one a court later rejected still has not answered whether the company can pay its…

    Patrick M. Brenner and Gregory A. Schroeder  |  September 27, 2026

  • TV & Radio

    How Did a Nonprofit Become America’s Insurance Regulator?

    SPPI Executive Vice President Gregory A. Schroeder joined Brandon Vogt on 96.3 FM KKOB to discuss who writes the rules for insurance and consumer credit.

    Aired on96.3 FM KKOB

    Gregory A. Schroeder  |  September 23, 2026

  • In the News

    SPPI in the News

    August coverage spanning insurance regulation, debit interchange, employee ownership, and how New Mexico policy affects national policy.

    Southwest Public Policy Institute  |  August 30, 2026

  • Op-Ed

    How Did a Nonprofit Become America’s Insurance Regulator?

    States have surrendered much of their power to a private organization with almost no transparency.

    Originally published inThe Wall Street Journal

    Patrick M. Brenner  |  August 28, 2026

  • Model Legislation

    NAIC Transparency and Accountability Act

    Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.

    Patrick M. Brenner  |  August 28, 2026

  • Policy Brief

    Regulation Without Disclosure

    What the GAO’s review of the NAIC means for insurance consumers.

    Patrick M. Brenner  |  July 29, 2026

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