The Failures of State Insurance Regulation

7 Pages Posted: 27 May 2017

See all articles by Daniel Schwarcz

Daniel Schwarcz

University of Minnesota Law School

Date Written: May 24, 2017


This is the text of the ALI Early Career Scholars Medal address delivered at the American Law Institute's 94th annual meeting in Washington D.C., on May 24, 2017. The central argument of the speech is that many of the assumptions on which state insurance regulation is premised are outdated or simply wrong. As a result, much of the current system of insurance regulation in the United States is obsolete, ineffective, and inefficient.

Keywords: Insurance, State Regulation, Rate Regulation, Solvency Regulation, Transparency

Suggested Citation

Schwarcz, Daniel B., The Failures of State Insurance Regulation (May 24, 2017). Available at SSRN: or

Daniel B. Schwarcz (Contact Author)

University of Minnesota Law School ( email )

229 19th Avenue South
Minneapolis, MN 55455
United States


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