Letter to the editor



The National Association of Insurance Commissioners (NAIC) does not regulate private placements of debt as reported in your recent feature entitled “A Growth Market” (US Credit, May 2004, pages 42–43). In fact, state insurance commissioners regulate the capital of insurance companies doing business in each state, and the state commissions have outsourced to the NAIC the function of reviewing investments held in insurance companies’ portfolios and determining the amount of equity to be held

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