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Should the Community Reinvestment Act Apply to Insurance Companies?

Published: Aug. 31, 1999

This paper, which looks at the Community Reinvestment Act's (CRA) application to financial services sectors beyond banking, examines the question of whether new social investment obligations on the property/casualty insurance industry represent good public policy. Developed by a special task force of member companies and approved by NAMIC's board of directors, the paper includes a bold evaluation of the social, political and economic environment in which the insurance industry operates.

Download the complete paper in Acrobat Reader.

If you have questions about an this issue, please contact Bob Detlefsen with NAMIC's Public Affairs Department.

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The Purpose of this Paper

Executive Summary

Founded in 1895, the National Association of Mutual Insurance Companies (NAMIC) is a full-service national trade association serving the property/casualty insurance industry with more than 1,400 member companies that underwrite more than 40 percent of the property/casualty insurance premium in the United States. NAMIC members are small farm mutual companies, state and regional insurance companies, risk retention groups, national writers, reinsurance companies, and international insurance giants. Together, we are NAMIC.

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Should the Community Reinvestment Act Apply to Insurance Companies?

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Details of the Policy Paper


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