보험소비자보호정책의 평가 및 개선방향

The Obama administration of the U.S.A. has proposed a series of recommendations for legislation, regulations, and administrative measures by the CFPA to reform consumer protection based on principles of transparency, simplicity, fairness, accountability, and access for all. H.R. It has as its purpose to“establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers.” Insurance is a major component of the financial system. Any insurance regulatory regime should include strong capital standards and appropriate risk management, including the management of liquidity and duration risk. Increased consistency in the regulatory treatment of insurance - including strong capital standards and consumer protections - should enhance financial stability, increase economic efficiency and result in real improvements for consumers. This article studies the current protection policy for insurance consumer and the improvement. Consumer protection is a critical foundation for our financial system. It gives the public confidence that financial markets are fair and enables policy makers and regulators to maintain stability in regulation. Stable regulation, in turn, promotes growth, efficiency, and innovation over the long term.