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NAIC Issues Fingerprint Model Bill

The National Association of Insurance Commissioners (NAIC) working groups on producer licensing and anti-fraud are coordinating efforts to draft a model fingerprint bill that would...
March 25, 2003

The National Association of Insurance Commissioners (NAIC) working groups on producer licensing and anti-fraud are coordinating efforts to draft a model fingerprint bill that would give states access to FBI criminal databases, for purposes of producer licensing background checks. The NAIC has taken this step because it is unlikely that the U.S. Senate will consider a national bill.

PIA's Regulatory Affairs Committee and Business Issues Committee are reviewing the model and will be discussing it at their upcoming meetings on April 5, 2003. PIA will submit comments to the NAIC's working groups shortly thereafter.

What It Means to Agents:  The NAIC is intent on providing states with access to FBI criminal background check databases. The preferred method to grant such authority would be with a federal law, so that producers would provide their fingerprints once and then have them stored electronically. Unfortunately this does not appear probable in the near future. The second best option is to draft a model that all states could adopt. This could promote consistency between the states and a willingness of states to rely on each other's background checks when considering non-resident producer licensing applications.