53 pages. "Market conduct regulation -- oversight of insurance company practices such as selling and underwriting policies -- is the responsibility of the same state agencies that oversee insurance companies' financial solvency. Unlike financial regulation, however, with its nationwide standards that allow for coordination among state regulators, no generally accepted standards exist for market conduct regulation.... Much work remains to be done to promote the coordination and cooperation that are needed for consistent market conduct regulation to protect insurance consumers." [GAO-03-433, Sept. 30, 2003]

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