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U.S. insurance group supervision is often described as a"windows and walls" approach, with "windows" referring to the ability of regulators to evaluate group activity and assess its potential impact on the individual insurer and "walls" referring to the required regulatory approval of certain monetary transactions which help protect the capital of the insurer.

As part of the Solvency Modernization Initiative, the NAIC Group Solvency Issues (EX) Working Group expanded the "windows and walls" approach to improve regulation of U.S.-based insurers operating within corporate groups. Since 2010, many improvements to the U.S. group supervisory framework have been adopted by the NAIC and implemented in the states. 

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