In this report, we assess the prospects for federal policy changes affecting the insurance industry in the 112th Congress following GOP gains in the midterm. We think debate will advance on an optional federal charter, but the chances remain slim for final action.  However, regulatory issues affecting insurance will advance in tandem with the array of Dodd-Frank requirements affecting firms that could be deemed systemic, with the new Treasury office focused on insurance (see FSM Report INSURANCE23) sure to play an important role not only in these deliberations, but also in the numerous international ones related to insurance regulation and resolution.  In this report, FedFin summarizes several of the most important of these developments, noting their potential U.S. impact. To the extent industry interests or others believe regulatory decisions go the wrong way, legislation to reverse them is possible, especially in the House.

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