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The McCarran-Ferguson Restoration Act eliminates the Federal Insurance Office and replaces it with a United States Insurance Representative within the Treasury Department. The Representative would coordinate federal policy on international insurance matters, represent the U.S. in international insurance supervisory bodies, and negotiate covered agreements with foreign governments. The bill establishes a process for determining whether state insurance measures conflict with international trade agreements, with preemption possible only for measures that discriminate against foreign insurers and are inconsistent with covered agreements, subject to notice, consultation, and judicial review.
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