Market Conduct Examination Guidelines (D) Working Group

The Market Conduct Examination Guidelines (D) Working Group will accomplish its assigned tasks via regularly scheduled conference calls. Notice of upcoming conference calls will be posted on this Web page, on the NAIC Conference Call Calendar and on StateNet.

2024 Adopted Charges

Market Conduct Examination Guidelines (D) Working Group (Successor Group, beginning in 2020, to the Market Conduct Examination Standards (D) Working Group)

The Market Conduct Examination Guidelines (D) Working Group will:

Develop market conduct examination standards, as necessary, for inclusion in the Market Regulation Handbook.
Monitor the adoption and revision of NAIC models, and develop market conduct examination standards to correspond with adopted NAIC models.
Develop updated standardized data requests, as necessary, for inclusion in the Market Regulation Handbook.
Discuss the development of uniform market conduct procedural guidance (e.g., a library, repository, or shared collaborative space with market conduct examination templates, such as an exam call letter, exam exit agenda, etc.) for inclusion in, or for use in conjunction with, the Market Regulation Handbook.
Coordinate with the Innovation, Cybersecurity and Technology (H) Committee to develop market conduct examiner guidance for the oversight of regulated entities’ use of insurance and non-insurance consumer data and models using algorithms and artificial intelligence (AI).

The following document provides a summary of the changes between the 2023 and the 2024 Editions of the Revised Market Regulation Handbook —What's New?

To get an idea of what's inside the 2024 Market Regulation Handbook, click on the following link:

2024 Market Regulation Handbook Table of Contents

How to Order a Copy of the 2024 Market Regulation Handbook (Non-Regulator only)

Nonregulator purchasers of the 2024 Market Regulation Handbook may access Market Regulation Handbook Reference Documents via their Account Manager login at https://content.naic.org/account_manager.htm Interim updates to the 2024 Market Regulation Handbook are included as part of the 2024 Market Regulation Handbook on OSS Bookshelf.

Calendar

Public Conference Call
Thursday, November 07, 2024
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Wednesday, September 25, 2024
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

CALL CANCELED

Public Conference Call
Tuesday, July 30, 2024
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Wednesday, May 22, 2024
2:00 PM ET, 1:00 PM CT, 12:00 PM MT, 11:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda

Public Conference Call
Tuesday, March 05, 2024
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Wednesday, November 08, 2023
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Tuesday, July 18, 2023
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Tuesday, March 28, 2023
11:00 AM ET, 10:00 AM CT, 9:00 AM MT, 8:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Agenda/Materials

Public Conference Call
Thursday, October 20, 2022
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Public Conference Call
Thursday, September 08, 2022
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Public Conference Call
Thursday, July 14, 2022
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Public Conference Call
Thursday, June 09, 2022
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

Public Conference Call
Thursday, April 21, 2022
12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT
Expected Length of Call: 1 hr
Webex Link

See all Current Exposure Drafts

Draft Chapter 23-Conducting the Life and Annuity Examination Chapter October 4, 2024 Draft (Updated to correspond to Actuarial Guideline XLIX-A—The Application of the Life Illustrations Model Regulation to Policies with Index-Based Interest (AG 49-A). Comments Due: November 3, 2024

2023 and Prior Years' Exposure Drafts:

Draft Chapter 23-Conducting the Life and Annuity Examination October 4, 2023 Draft (The Oct. 4, 2023 draft contains changes from the previous version, dated June 6, 2023. The October 4, 2023 updates in the draft are highlighted in green, they occur on pages 14, 17, 29, 31, 32, 33, 38, 40, 45, 52, 55 and 56.)

NOTE: The Oct. 4, 2023 draft Chapter 23 was adopted by the Working Group at its Nov. 8, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Draft Chapter 23-Conducting the Life and Annuity Examination June 6, 2023 Draft (The June 6, 2023 draft contains changes from the previous version, dated Aug. 22, 2022. The June 6, 2023 updates in the draft are highlighted in blue, they occur on pages 30 and 34 (in Marketing and Sales Standards 9 and 10.)

Draft Chapter 23-Conducting the Life and Annuity Examination August 22, 2022 Draft (The Aug. 22, 2022 draft contained updates highlighted in yellow, which took into consideration comments received on the April 19, 2022 draft; the Aug. 22 draft was discussed at the Sept. 8 and Oct. 20, 2022 meetings and at the March 28, 2023 meeting.)

New Draft Chapter 23-Conducting the Life and Annuity Examination April 19, 2022 Draft (Updated to correspond to revisions adopted by the NAIC in February 2020 to the Suitability in Annuity Transactions Model Regulation (#275))

New Draft Travel Insurance-Related Standardized Data Requests (Revised October 2023 by the Travel Insurance regulator-only SMEs, taking the comments received from Virginia Oct. 28, 2022, Missouri Sept. 16, 2022 and the CEJ Sept. 16, 2022 into consideration)

Revised Travel In Force SDR, October 25, 2023 Draft Redline
Revised Travel In Force SDR, October 25, 2023 Draft Redline Accepted
Revised Travel Claims SDR, October 25, 2023 Draft Redline
Revised Travel Claims SDR, October 25, 2023 Draft Redline Accepted

NOTE: The Oct. 25, 2023 new draft Travel Insurance In-Force SDR and the Oct. 25, 2023 new Travel Insurance Claims SDR were adopted by this Working Group at its Nov. 8, 2023 Webex Meeting

Travel In Force SDR, August 17, 2022 Draft
Travel Claims SDR, August 17, 2022 Draft

Draft Chapter 4-Collaborative Actions June 6, 2023 Draft (The purpose of the revisions is to incorporate changes into Chapter 4, providing nonregulators with transparency and insight regarding the multistate process that occurs at the Market Actions (D) Working Group (MAWG))

MO 07-06-23 Comments

NOTE: The June 6, 2023 draft Chapter 4 was adopted by the Working Group at its July 18, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Revised Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 11, 2022 Draft (This draft was discussed at the July 14, 2022 Webex. Changes were made to Standard 5 on pages 14-15 and Standard 6 on pages 17-18; they are shown in yellow highlight. These revisions were made to the July 6, 2022 Chapter 24B Draft).

NOTE: The Chapter 24B-Conducting the MHPAEA-Related Examination adopted by this Working Group on July 14, 2022 and by the Market Regulation and Consumer Affairs (D) Committee on August 12, 2022 at the Summer 2022 Hybrid National Meeting is provided at this link Chapter 24B-Conducting the MHPAEA-Related Examination Adopted 8-12-2022. Regulators, this document is also provided on the Market Regulation Handbook Web Page on StateNet.

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 6, 2022 Draft (Updated with regard to the Working Group's June 9th discussion on comments received on the April 19, 2022 Chapter 24B Draft)

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination April 19, 2022 Draft (Updated to correspond with updated federal guidance on Mental Health and Substance Use Disorder Parity Compliance)

New Draft Chapter 1-Introduction July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 1-Introduction were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 20-General Examination Standards were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards, Oct. 27, 2021 Draft (Revisions Relating to the Insurance Holding Company System Regulatory Model Act (#440)

New Draft Chapter 21-Conducting the Property and Casualty Examination, April 19, 2022 Draft Revisions to the 4-19-22 draft are shown in yellow highlight (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631)

NOTE: The posted revisions to the April 19, 2022 Conducting the Property and Casualty Examination chapter were adopted by the Working Group on its April 21, 2022 call.

New Draft Chapter 21-Conducting the Property and Casualty Examination, Oct. 27, 2021 Draft (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631).

New Draft Chapter 24-Conducting the Health Examination, Sept. 30, 2021 Draft (Revisions Relating to the Health Maintenance Organization Model Act (#430)

NOTE: The draft Chapter 24 was adopted by the Working Group on its November 4, 2021 conference call,

New Draft Chapter 25-Conducting the Medicare Supplement Examination, Sept. 27, 2021 Draft (Revisions Relating to the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651)

NOTE: The draft Chapter 25 was adopted by the Working Group on its November 4, 2021 conference call, the chapter underwent an additional revision as part of that adoption.

Updated Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

New Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Title SDRs were adopted by the Working Group on its September 2, 2021 conference call, the Title Claims SDR underwent an additional revision as part of that adoption.

New Draft Chapter 24-Conducting the Health Examination for inclusion in the Market Regulation Handbook (Revised Guidance Regarding Supplementary and Short-Term Health Insurance)

NOTE: The posted revisions to the Conducting the Health Examination chapter were adopted by the Working Group on its November 19, 2020 call.

New Draft Long-Term Care Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Long-Term Care In Force and Long-Term Care Claims SDRs were adopted by the Working Group on its November 19, 2020 call.

New Inland Marine Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Inland Marine In Force and Inland Marine Claims SDRs were adopted by the Working Group on its July 23, 2020 call.

New Limited Long-Term Care Exam Standards Chapter 26A December 11, 2019 draft for Inclusion in the Market Regulation Handbook

NOTE: The Limited Long-Term Care Exam Standards, Dec. 11, 2019 draft, were adopted by the Working Group on its July 23, 2020 call.

New Limited Long-Term Care Exam Standards Chapter 26A October 29, 2019 draft for Inclusion in the Market Regulation Handbook

Nebraska December 3, 2019 Comments

New Farmowners Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Farmowners In Force SDR and Farmowners Claims SDR were adopted by the Working Group on its Dec. 18, 2019 call, and adopted by the Market Regulation and Consumer Affairs (D) Committee on its July 27, 2020 call.

Cybersecurity (EX) Task Force Referral to Market Conduct Examination Standards (D) Working Group

The following items have been tabled by the Working Group until further notice.

Proposed Market Regulation Handbook Substantive Revisions Received from the Market Information Systems Research and Development (D) Working Group 7-12-16

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 10, 2015 Draft

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 3, 2015 Draft

WA 8/04/15 Comments

Section D. Standards of Chapter 14-Sampling of the Market Regulation Handbook 9/18/14

Market Regulation Handbook Amendment Procedures

Proposed Compliance Risk Assessment Methodology Outline 04/26/17
Tabled

Process Review Methodology Proposal Revised 03/29/17
Tabled

Process Review Methodology Proposal 10/12/16
Tabled

Public Webex Meeting
Tuesday, March 30, 2021
2:00 PM ET, 1:00 PM CT, 12:00 PM MT, 11:00 AM PT

Conference Call
Thursday, November 19, 2020
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT

Conference Call
Tuesday, October 20, 2020
2:00 PM ET, 1:00 PM CT, 12:00 PM MT, 11:00 AM PT

Conference Call
Wednesday, July 23, 2020
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT

Conference Call CALL CANCELLED
Wednesday, April 15, 2020
1:30 PM ET, 12:30 PM CT, 11:30 AM MT, 10:30 AM PT

Conference Call
Wednesday, March 04, 2020
1:15 PM ET, 12:15 PM CT, 11:15 AM MT, 10:15 AM PT

Conference Call
Wednesday, December 18, 2019
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT

Conference Call
Wednesday, November 20, 2019
2:00 PM ET, 1:00 PM CT, 12:00 PM MT, 11:00 AM PT

Conference Call
Wednesday, October 9th, 2019
11:00 a.m. CT/ 12:00 p.m ET

Conference Call
Thursday, August 29th, 2019
11:00 a.m. CT/ 12:00 p.m ET

Conference Call
Thursday, July 18th, 2019
11:00 a.m. CT/ 12:00 p.m ET

Conference Call
Tuesday, June 18th, 2019
1:30 p.m. CT/ 2:30 p.m ET

Conference Call
Thursday, May 30th, 2019
1:30 p.m. CT/ 2:30 p.m ET

Conference Call
Wednesday, April 24th, 2019
12:30 p.m. CT/ 1:30 p.m ET

Conference Call
Wednesday, March 13th, 2019
12:30 p.m. CT/ 1:30 p.m ET

Conference Call
December 19,2018
11:30 a.m. Central/12:30 p.m. Eastern

Market Conduct Examination Standards (D) Working Group
Conference Call
November 29
1:30 p.m. Central/2:30 p.m. Eastern

Agenda (Revised 11-27-18)
Materials (Revised 11-27-18)

Market Conduct Examination Standards (D) Working Group
Conference Call
August 29, 2018
1:00 pm ET/12:00 pm CT

Market Conduct Examination Standards (D) Working Group
Conference Call
July 25, 2018
1:30 pm ET/12:30 pm CT

Agenda Revised 7/16/18
Materials Revised 7/16/18

Market Conduct Examination Standards (D) Working Group
Conference Call
May 10, 2018
1:30 p.m. Central Time

Market Conduct Examination Standards (D) Working Group
Conference Call
April 5, 2018
1:00 p.m. Central Time

Market Conduct Examination Standards (D) Working Group
Conference Call
February 22, 2018
12:00 p.m. Central Time

Market Conduct Examination Standards (D) Working Group
Conference Call
December 6th, 12:30 p.m. Central Time

Market Conduct Examination Standards (D) Working Group
Conference Call
October 31, 1:30 p.m. Central Time

Conference Call
September 12, 2017
12:30 p.m. Central Time

Conference Call
July 20, 2017
12:30 p.m. Central Time

Conference Call
June 14, 2017
1:00 p.m. Central Time

Conference Call
April 27, 2017
1:00 p.m. Central / 2:00 p.m. Eastern

Conference Call
March 23, 2017
11:30 a.m. Central / 12:30 p.m. Eastern

Conference Call
March 3, 2017
12:30 p.m. Eastern / 11:30 a.m. Central

Market Conduct Examination Standards (D) Working Group
Conference Call
November 30, 2016
2:00 p.m. CT/3:00 p.m. ET

Market Conduct Examination Standards (D) Working Group
Conference Call
November 2, 2016
3:30-4:30 p.m. ET/2:30-3:30 p.m CT

Market Conduct Examination Standards (D) Working Group
Conference Call
September 14, 2016
1:30 p.m.-3:00 p.m. ET/12:30 p.m.-2:00 p.m. CT

Market Conduct Examination Standards (D) Working Group
Conference Call
July 7, 2016
2:30 p.m. ET/1:30 p.m. CT

Market Conduct Examination Standards (D) Working Group
Conference Call
June 9, 2016
2:00 p.m. ET/1:00 p.m. CT

Conference Call
May 4, 2016
2:00 p.m. ET/1:00 p.m. CT

Market Conduct Examination Standards (D) Working Group
Conference Call
March 15, 2016
2:30 p.m. ET/1:30 p.m. CT

Market Conduct Examination Standards (D) Working Group
Wednesday, February 10, 2016
4:00 p.m. ET/3:00 p.m. CT/2:00 p.m. MT/1:00 a.m. PT

Agenda(Updated February 9, 2016)
Materials

List of Current NAIC Standardized Data Requests
August 11, 2015

Market Regulation Health Reform Provisions 1-01-2014

Market Regulation Health Reform Provisions 9-23-12

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