McCarran-Ferguson Act: Federal law (15 U.S.C. ยงยง 1011-1015) that establishes state regulation as the primary governance of insurance business and provides limited federal antitrust exemption for insurance activities
Dodd-Frank Act: Federal legislation that impacts insurance regulation through creation of Federal Insurance Office and enhanced consumer protection measures
ERISA: Employee Retirement Income Security Act - Federal law governing employee benefit plans including insurance aspects
Affordable Care Act: Federal healthcare law that impacts health insurance provisions and requirements if the indemnity contract involves health coverage
State Insurance Codes: State-specific insurance laws and regulations that govern insurance contracts, including filing requirements, mandatory provisions, and prohibited practices
Uniform Commercial Code: Standardized set of business laws regulating financial contracts and transactions, relevant to insurance contract formation
Consumer Protection Statutes: State and federal laws protecting consumer rights in insurance transactions, including unfair claims settlement practices acts
Industry-Specific Regulations: Specialized rules and requirements based on insurance type (life, property, casualty) including mandatory forms and provisions
Anti-Fraud Provisions: Legal requirements for preventing and addressing insurance fraud, including mandatory disclosure and reporting obligations
Claims Handling Procedures: State-mandated requirements for how insurance claims must be processed, investigated, and settled
Subrogation Rights: Legal framework governing an insurer's right to recover claims payments from third parties responsible for the loss
