2025年美国保险业监管展望报告（英文版）-德勤

2025 insurance regulatory outlookMessage from the Deloitte Center for Regulatory StrategyInsurers will likely encounter no shortage of challenges, heightened risk, and perhaps record-breaking loss events in the year ahead, events beyond the control of the White House or the state houses.1 Agile management of unexpected events will be required not only by boards but by regulators. Historically, greater risk and change has stabilized the industry, fostering more cooperation between the insurance industry, state regulators, and standard-setting organizations to safeguard Americans.2 As the sector takes on the challenges of 2025, this broad cooperation will likely be called upon again.Even so, state and federal regulators are expected to remain vigilant in overseeing insurers’ responses to domestic, geopolitical, and market challenges, while enforcing compliance and safety through public warnings, enforcement, or even new congressional legislation, if necessary. The new Republican majority in Congress could consider hearings on artificial intelligence (AI) applications, the cybersecurity market’s coverage capacity, the intersection of mortgage markets and insurance coverage, and insurers’ sales practices, but these will likely be prompted by unforeseen events that affect a broad constituency of people or national security. Insurance costs and events often evoke populist responses from policymakers, as they unite against loss and market disruption.Simultaneously, tougher compliance demands in critical sectors where rigorous governance is required, such as at the intersection of national security and cybersecurity, could prompt decisive enforcement actions or deeper regulatory scrutiny in the event of any significant cyber breaches or attacks that trigger massive cyber insurance market coverages.3Tim CercellePrincipalDeloitte & Touche LLPIrena Gecas-McCarthyPrincipalDeloitte & Touche LLPJim EckenrodeManaging DirectorDeloitte Services LPCollaboration between the states and the industry has often shaped governing principles that are then developed into state laws and regulations. Insurers can tackle these challenges and opportunities through higher levels of engagement and collaboration with regulators and lawmakers. For our 2025 insurance regulatory outlook, we’ve identified the key areas in which increased collaboration may occur. • Managing data amid innovation and threats • Safeguarding and improving solvency • Focusing on customer-centric regulation • Tackling climate change risk and resilience challengesWe aim for our outlook to help inform your firm through the upcoming regulatory changes and challenges this year, however they unfold. We are ready to provide guidance and insight throughout and at critical junctures as structural changes and risks on multiple fronts emerge, evolve, and grow. This is a time for insurers to remain vigilant and engaged as new frameworks and models develop at the state level. Federal agencies will likely maintain