For big insurers that look safe to 金融业监督委员会, the new rules could mean fewer regulatory headaches.
For insurance agents, the new rules could mean that, any time 金融业监督委员会 gives “nonbinding 关于向其他监管机构推荐保险公司的建议”，这一点值得密切关注。
Congress created 金融业监督委员会 in 2010, in the Dodd-Frank Act, as financial services companies 和 regulators were still cleaning up from the aftermath of the devastating 2007-2009 Great Recession. Some 里 fe insurers had to get help from the federal government to deal with disruption in the financial markets.
Congress gave 金融业监督委员会 great flexibility in determining which entities 和 activities might bring on a Great Recession II, in part because many members of Congress felt that they, 和 federal financial regulators, had been surprised to learn, in 2007, that problems with financial instruments 里 nked to mortgage-backed securities could shake the entire financial system.
In 2012, 金融业监督委员会 posted rules for designating 里 fe insurers, asset managers, 和 other “nonbank companies” as “systemically important financial institutions,” or SIFIs. 金融业监督委员会 let itself have 在应用和维护SIFI名称方面具有广泛的自由裁量权，以使公司免受 尝试玩SIFI指定系统。
的 insurers that were designated as SIFIs reported that complying with SIFI oversight rules was difficult 和 expensive; that 金融业监督委员会 SIFI oversight duplicated what state insurance regulators had already been doing; 和 that they had trouble finding out why they had been designated as SIFIs, or finding out what they could do to escape from SIFI status.
金融业监督委员会 officials say in the new SIFI designation rules, 和 in the introduction to the new rules, that they plan to start by focusing mainly on potentially risky activities, 和 talking about what all companies could do better, rather than on designating specific companies as SIFIs.
Some critics of the new 金融业监督委员会 guidance argued, while a draft released in the spring was under consideration, that an activities-based approach would reduce 金融业监督委员会’s ability to respond to serious problems at specific companies.
金融业监督委员会 官员在新规定的导言中说，如果保险公司或其他非银行机构看起来好像有可能倒闭金融体系，并且 the primary regulators’ response appears to be inadequate, 金融业监督委员会 can still give a shaky-looking nonbank’s primary financial regulators nonbinding recommendations about how to proceed, using authority provided by Section 120 of the Dodd-Frank Act..
“The authority to issue recommendations to primary financial regulatory agencies under Section 120 is one of the council’s most formal tools for responding to potential risks to U.S. financial stability,” 金融业监督委员会 officials say in the introduction to the new rules.
Before telling an insurer’s insurance regulators what to do, 金融业监督委员会 would have to either assess the costs 和 benefits of designating an insurer as a SIFI 和 changing what the insurer could do, or make sure the SIFI’s primary regulator would do a cost-benefit analysis, officials say.
Although 金融业监督委员会 has approved the final rules, it still has to publish the official version in the Federal 寄存器 . 的 final version is set to take effect 60 days after the official Federal 寄存器 Publication date.
金融业监督委员会 里 sts Howard Adler, Eric Froman 和 Mark Schlegel as the contact people for the new rules.
的 全国保险专员协会 在声明中说 it believes the new 金融业监督委员会 guidance appropriately prioritizes activities-based approaches to identifying systemic risk 和 the importance of working with organizations’ regulators to address concerns.
的 new guidance” will also ensure a more robust exit-ramp for any designated firms 和 provides more transparency into the reasons for designation,” the NAIC says. “The NAIC has long advocated for these changes 和 appreciates the revisions adopted by 金融业监督委员会.”
Susan Neely，总裁 美国人寿保险理事会， 在声明中说 the ACLI strongly supports the new 金融业监督委员会 guidance.
Neely说：“通过采用基于活动的方法，FSOC将在促进金融稳定和保护消费者的金融利益方面处于更有利的地位。” “新指南还要求FSOC依靠州保险监管机构的专业知识来解决任何已识别的风险。通过强有力的监督和监管，州保险监管机构在确保人寿保险公司的财务实力方面发挥着关键作用。 人寿保险公司的使命是在繁荣时期和经济压力时期为消费者提供财务安全和内心的平静。 金融业监督委员会的新指南与此使命相吻合，将巩固消费者对国家金融体系的信心。”
A 里 nk to the new 金融业监督委员会 “nonbank financial company determination” rules is 在这里可用.
-读 Yes. Leave Big Insurer Wellness to Us: NAIC Head on 金融业监督委员会 Proposal, 在ThinkAdvisor上。