UP is a voice for insurance consumers at State and Federal Regulatory agencies. UP proposes and weighs in on regulations that affect insurance consumers. We have helped change the regulatory laws in many States to the benefit of insurance consumers. See examples of testimony and letters of support / opposition below.
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Alabama Department of Insurance
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California Department of Insurance
- UP Testimony/Comments Before the California Department of Insurance re:
Mitigation in Rating Plans and Wildfire Risk Models: REG-2020-00015, April 12, 2022 - UP Testimony/Comments Before the California Department of Insurance re: Mitigation in Rating Plans and Wildfire Risk Models, REG-2020-00015, November 10, 2021
- UP joins consumer groups’ letter stating The Insurance Commissioner has the legal authority to require insurance companies to set rates and premiums that reflect a homeowner’s risk of loss and to prevent insurance companies from arbitrarily withdrawing from neighborhoods and communities across the state. (November 2021)
- Memo Re: Scope of the Insurance Commissioner’s authority under the Insurance Code (May, 2021)
- UP petition for investigatory hearings on insurer use of wildfire risk models
- The Department’s official notice to insurers that their obligation under Cal. Ins. Code 2017 is to provide the full claim file
- UP letter requesting an official notice on an insurer’s obligation to provide to the insured the full claim file upon request
- Order granting UP’s petition to intervene in CSAA rate filing 16-934
- UP’s Petition for Hearing, Petition to Intervene, and Notice of Intent to Seek Compensation under Proposition 103
- Order granting UP’s Request for Finding of Eligibility to Seek Compensation as a Consumer Intervenor under Proposition 103
- UP’s Request for Finding of Eligibility to Seek Compensation as a Consumer Intervenor under Proposition 103
- Financial Preparedness Advisor Tony Steuer is a member of the California Department of Insurance Curriculum Board
- Insurance Commissioner Jones Announces New Regulations to Protect Homeowners from Being Underinsured
- UP Testimony/Comments Before the California Department of Insurance re:
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Colorado Division of Regulatory Agencies
- Letter in support of proposed regulations extending benefit time limits after disasters (Nov 2021)
- Letter regarding changes to bulletin B5.28 – Equitable Payment of Claims Resulting from Natural Disasters
- Colorado Homeowners Insurance Reform Act of 2013 – Summary
- Colorado Homeowners Insurance Reform Act of 2013 – Full Text
- FAQ’s about the Colorado Insurance Reform Act of 2013
- Consumer Financial Protection Bureau
- Department of Health and Human Services
- Department of Defense
- Department of Labor
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Federal Emergency Management Agency (FEMA)
- Letter seeking retroactive Proof of Loss deadline for 2013 Colorado flood victims
- Freedom of Information Act Request regarding National Flood Insurance Program Appeals Process (March 12, 2014)
- Freedom of Information Act Request regarding National Flood Insurance Program Appeals Process (September 18,2014)
- Freedom of Information Act Request regarding National Flood Insurance Program contracts and oversight of WYOs and IAs (February 23, 2015)
- Complaint against DHS FEMA filed in Washington D.C. Federal District Court seeking compliance with September 18, 2014 FOIA request
- UP requested an extension of the proof of loss deadline for 2016 Baton Rouge Louisiana flood victims (August 24, 2017)
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Federal Insurance Office
- UP comments to Federal Insurance Office on Insurance Sector and Climate-Related Financial Risks (Nov 2021)
- FIO publishes important report on the most pressing issues impacting insurance consumers
- UP joins CFA and other consumer groups on further comments re: Monitoring Availability and Affordability of Auto Insurance
- UP joins CFA and other consumer groups on comments re: Automobile Insurance Affordability
- Study on Natural Catastrophes and Insurance
- U.S. Department of Housing and Urban Development
- Maryland Insurance Administration
- Minnesota Department of Commerce
- Rhode Island Department of Business Regulation, Division of Insurance
- U.S. Securities and Exchange Commission
- Texas Department of Insurance
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Virginia Bureau of Insurance
- Letter opposing changes to law that would allow the use of mandatory arbitration clauses in insurance policies (co-signed by Birny Birnbaum, Executive Director, Center for Economic Justice)
- Virginia’s notice that it will not change it’s position prohibiting the use of arbitration clauses in insurance policies
- Washington Department of Insurance