In the absence of that, the states have actually taken action, over the past, maybe 5, 10 years

在这种法律空缺的情况下，各个州在过去的五到十年间已经采取了行动，

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It's a little bit like the NAIC -the National Association of Insurance Commissioners -recommends laws to the local insurance regulators in the fifty United States.

这有点像NAIC,美国保险监督官协会,它对全美国50个州的,地方保险监管机构推荐法律法规

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