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NAIC Insurance Holding Company System Regulatory Act

Regulates transactions within insurance holding company systems, requiring registration, reporting, and prior approval of material transactions between affiliated insurers and their parent companies. Applies to insurers that are part of a holding company group.

12

Rules extracted

84

Obligations decomposed

7.0x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

About this regulation

Model law adopted by all 50 states and DC requiring registration and regulation of insurance holding company systems, including acquisitions of control, affiliate transactions, group capital calculations, and supervisory colleges.

What AuditDSS covers

Source

1

Regulation

Extracted

12

Rules

Decomposed

84

Obligations

7.0x

Decomposition ratio

Each rule is decomposed into an average of 7.0 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 84 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Model Law #440 is scored across independent risk dimensions:

W

Obligation Weight

How critical within the regulatory framework

L

Violation Likelihood

How often breached in practice

E

Enforcement Evidence

Regulator enforcement history and penalties

C

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title
NAIC Insurance Holding Company System Regulatory Act
Regulatory body
National Association of Insurance Commissioners
Jurisdiction
🇺🇸 United States
Document type
model-law
Effective date
December 1, 2010
Issuing authority
National Association of Insurance Commissioners (NAIC)
Industry
Insurance
Official source
View source document ↗

Who this applies to

insurersinsurance holding companiesaffiliates

Key requirements

  • holding company registration
  • acquisition of control approval
  • affiliate transaction standards
  • enterprise risk reporting
  • supervisory colleges
  • group capital calculation
  • liquidity stress testing

Frequently asked questions about Model Law #440

What is Model Law #440?

Model law adopted by all 50 states and DC requiring registration and regulation of insurance holding company systems, including acquisitions of control, affiliate transactions, group capital calculations, and supervisory colleges.

Who does Model Law #440 apply to?

Model Law #440 applies to insurers, insurance holding companies, affiliates.

How many obligations does Model Law #440 contain?

AuditDSS has decomposed Model Law #440 into 84 atomic obligations from 12 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Model Law #440?

The key requirements include: holding company registration, acquisition of control approval, affiliate transaction standards, enterprise risk reporting, supervisory colleges, group capital calculation, liquidity stress testing.

How can I assess my Model Law #440 compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 84 Model Law #440 obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Model Law #440?

Model Law #440 is enforced in United States by National Association of Insurance Commissioners.

When did Model Law #440 come into effect?

Model Law #440 became effective on December 1, 2010.

What industry does Model Law #440 apply to?

Model Law #440 is primarily relevant to the Insurance industry. AuditDSS covers 98 regulations in this industry sector.

Build a Model Law #440 compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Model Law #440 — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Model Law #440 requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Model Law #440 with other regulations into a single unified compliance pack for your business.

Already have a policy? Assess it against Model Law #440

1

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

2

AI maps against 84 obligations

Your document is scored against every obligation in Model Law #440. Each claim is mapped to the obligation tree and evaluated for coverage.

3

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.

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Assess your Model Law #440 compliance

Upload your document and get a risk-scored gap analysis against 84 Model Law #440 obligations in under 5 minutes.