It's talked about that there should be a federal government regulation of insurance but it's actually state regulators.

也有人认为应该建立国家层面的,保险业监管机构,但现在的情况仍是各州分开监管

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As I say, when the NAIC decides on some regulation, it's only a recommendation to the separate state regulatory commissions.

如前述,当NAIC就某项监管做出决议,对于各个州管理委员会而言,这只是一种建议

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