Background/Overview. New Reporting Requirement. National System Architecture. Moving Forward
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1 SRP CRS National Insurance Company Training June 2009
2 Main Objectives Background/Overview New Reporting Requirement Participating jurisdictions Companies required to report and effective dates National Architecture Main features Role and responsibilities of regulatory participants Moving Forward 2
3 Overview SRP-CRS system expanded to enable companies to enter and declare their complaints to other Canadian insurance regulators Harmonized approach to complaint data reporting developed by regulators Initiative developed in consultation with the insurance industry (i.e. CLHIA and IBC Industry Working Groups) 3
4 Participants Companies operating across Canada and who already report complaints to AMF and FSCO will also report complaints to the participating regulators New reporting requirement remen begins on July u y 1,, 2009 with the launch of the new system Data companies collect between July 1, 2009 and December 31, 2009 will need to be declared to the participating regulators no later than January 30,
5 Participants (cont d) Participating Regulators: ❶ Alberta ❷ Manitoba ❸ New Brunswick ❹ Newfoundland and Labrador ❺ Nova Scotia ❻ Prince Edward Island ❼ Saskatchewan ❽ Yukon 5
6 Changes Creation of a new reporting entity linked to your existing user account Entity represents the participating jurisdictions other than Ontario and Quebec s to be reported to the participating regulators are entered under this new entity and declared via a single declaration process 6
7 Changes (cont d) How to report complaints to AMF and FSCO respectively remains the same enhanced to remove file transfer to AMF for Ontario complaint data reporting Same single point of access for multiple declarations 7
8 Code Changes Same complaint definition and categories New Province or Jurisdiction field added: Enables each regulator to receive their jurisdiction specific complaints once data is declared New Method of Distribution field added: Based on request by CCIR s Incidental Selling of Insurance (ISI) Working Group Applies to all complaints regardless of the product 8
9 Method o f Distribution Codes Licensed Representative involving a policy or certificate that was sold by a licensed person in a Province or Territory. Does not include restricted license. (e.g. Universal life insurance product sold by an insurance representative). Employer s Representative involving an employee or member who was enrolled by a representative of the employer, a union, a professional e ona organization on or association. a on. Even if the e group product u was, originally, sold by a certified representative. (e.g. Group insurance offered by the employer at work). Other involving a policy or certificate that was sold through a distribution mode which doesn t fall under the other categories (licensed representative or Employer s representative). Including unlicensed representative, restricted license representative, distribution without representative in Quebec. (e.g. credit insurance offered in a bank to cover a loan). 9
10 Data Fields Collected TBD M2B 10
11 Reporting Frequency Same reporting frequency and deadlines s reported on a semi-annual basis. Data collected from: January 1 to June 30 will be reported no later than July 30 of the same year July 1 to December 31 will be reported no later than January 30 of the following year 11
12 Company s Role and Responsibilities In preparation for the roll-out of the system nationally companies need to: Know about the reporting requirements in the provinces where they operate Assign a single point of contact responsible for: Consolidation and reporting of complaints to the other regulators Communications between regulators and companies Know the system and declaration process Know who to contact for support and inquiries 12
13 Regulator s Role and Responsibilities ❶ Account Administra ration FSCO will assume initial registration and ongoing maintenance of company and user accounts on behalf of participating regulators. ❷ Responding to Compan y Inquiries FSCO will respond to company users who have inquiries about their accounts or request changes (e.g. new user, linking companies). AMF/FSCO will respond to questions that are technical in nature and relate to the system use (e.g. system down, how to declare). AMF/FSCO will be the central point of contact for any inquiries insurance companies have with respect to the application of the complaint definition and codes. Participating regulators will respond to questions by companies relating to the reporting requirements specific to their jurisdiction. ❸ Compliance Each regulator will be responsible for ensuring reporting compliance by companies in their respective jurisdictions. 13
14 al Reports for Regulators Shows the number of complaints reported by each company for a given reporting period or declaration date range /01/ /31/ Shows the declaration status for each company for a given reporting period or declaration date range. Aggregate report that shows the breakdown of total reported complaints by financial product and general cause. A breakdown of complaint volume by status (open vs. closed) is provided as well. Aggregate report that shows Canada total number of complaints reported by each company including breakdown by complaint status. 14
15 Post Implementation Review AMF and FSCO have agreed with industry s suggestion for a post implementation review of the: identify and prioritize any system modifications / enhancements Reporting categories identify whether new complaint codes or modifications to existing codes are required and their implications Careful consideration and planning involved Looking forward to your ongoing participation in the review 15
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