The paper is the result of the Electronic Commerce and Regulation Working Group's charge to evaluate methods by which the Internet and other means of electronic commerce can be used to increase efficiencies in the regulations of insurance. The working group was charged with developing specific recommendations to update and, where appropriate, harmonize state laws, regulations and procedural requirements governing the insurance industry. The issues paper defines electronic commerce as a broad category of activities that allows goods and services to be selected, purchased, received or serviced using, in all or part, electronic- based technologies. In addition to defining electronic commerce, the issue paper discusses several subject areas and provides insight into ways that states can change their laws, regulations, processes and procedures while preserving important consumer safeguards. It is the nation's oldest association of state government officials, consisting of insurance regulators from the 50 states, the District of Columbia, and four U.S. territories.
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