Still, some say the NAIC mandate represents only the "first step" in a series of climate- related rules and regulations to come. "What the NAIC has done thus far is a lot less onerous than what many people expect to be coming from the federal government in the future," [Howard Mills] says. "Eventually the industry is going to be reporting on climate change, whether it's to the state government, state regulars, or the federal government."
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