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The issue of sustainability has a number of dimensions, some of which were already mentioned. The one addressed here is the sustainability of subprojects. This issue comes up when the transition of social funds from the emer- gency or crisis mode to the longer term is examined. The transition is essentially the change from building a facility to delivering an ongoing service. By implication, how the services are being used needs to be monitored and evaluated, not just what was disbursed or built. Based on written material and existing evaluations, the review is limited nec- essarily by the kind of information available. There is not a great deal of information. | State Insurance Regulation History Purpose and Structure A Brief History The Role of the State Legislatures National Association of Insurance Commissioners NAIC The Purpose and Structure of Insurance Regulation Company Licensing Producer Licensing Product Regulation Financial Regulation Market Regulation Consumer Services A Brief History Benjamin Franklin helped found the insurance industry in the United States in 1752 with the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. The current state insurance regulatory framework has its roots in the 19th century with New Hampshire appointing the first insurance commissioner in 1851. Insurance regulators responsibilities grew in scope and complexity as the industry evolved. Congress adopted the McCarran-Ferguson Act in 1945 to declare that states should regulate the business of insurance and to affirm that the continued regulation of the insurance industry by the states was in the public s best interest. The Financial Modernization Act of 1999 also called Gramm-Leach-Bliley established a comprehensive framework to permit affiliations among banks securities firms and insurance companies. Gramm-Leach-Bliley once again acknowledged that states should regulate the business of insurance. However Congress also called for state reform to allow insurance companies to compete more effectively in the newly integrated financial service marketplace and to respond with innovation and flexibility to evermore demanding consumer needs all while continuing to protect consumers which is the hallmark of state regulation. Click here for more information about how state insurance regulators are addressing issues related to GLBA The Role of the State Legislatures State legislatures set broad policy for the regulation of insurance. They establish and oversee state insurance departments regularly review and revise state insurance laws and approve regulatory budgets. State insurance departments employ 12 500 .
