# Insurance > US insurance regulation: state insurance department rules governing licensing, rate filings, and claims handling, and NAIC model laws adopted across states — grounded exclusively in state insurance department regulatory text and published NAIC model acts. License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/) · Source: MIND (m-i-n-d.ai) Hub: https://www.m-i-n-d.ai/minds/insurance