Chairman Luetkemeyer, Ranking Member Cleaver, and members of the Subcommittee, thank you for the invitation to testify today. My name is Julie Mix McPeak, and I am the Commissioner of the Tennessee Department of Commerce and Insurance, the Vice President of the National Association of Insurance Commissioners (NAIC), the Chair of the NAIC's International Relations Committee, and Vice-Chair of the International Association of Insurance Supervisors' (IAIS) Executive Committee. On behalf of my Department, my fellow state insurance regulators, and the NAIC, I appreciate the opportunity to testify today.