The 31st Annual IRES Foundation National School on Market Regulation took place in Santa Ana Pueblo, New Mexico on April 6-8, 2025. This year’s theme, Reaching New Heights in Compliance, was appropriate as every year the event seems to reach a new level of excellence.

Tell us about yourself: I am coming up on 30 years with DIFI. I currently serve as the Assistant Director of the Market Regulation and Consumer Services Division which includes oversight of Market Conduct, Consumer Complaints (insurance and financial institutions), and Health Care Appeals.  Not every day results in dollar wins but providing consumer education and walking away at the end of the day knowing we did that best we could, is the best advice I can provide my staff. 

Understanding the Challenges: Regulating mental health parity under the Mental Health Parity and Addiction Equity Act (“MHPAEA”) presents significant challenges for policymakers, compliance professionals, and regulators. Since its passage in 2008, MHPAEA has aimed to create equitable access to mental health and substance use disorder (“SUD”) treatment. However, enforcing and interpreting its provisions has proven difficult due to regulatory overlap, ambiguous language, and ev

The Market Conduct Surveillance Model Law (MDL #693) recently turned 20 years old, as it was adopted by the National Association of Insurance Commissioners (NAIC) in 2004. According to the NAIC Project History in 2004, this act was designed to provide “a legislative framework for the implementation of structured market analysis, uniform targeted examinations and interstate collaboration.” However, only about eight states have taken action to adopt the key procedural provision

Northeast Zone Massachusetts Advisory Ruling 2025-1, dated March 31, 2025, notifies all licensed appraisers concerning the time frames...

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