State RegulationsFL specificDifficulty 2/5
A Florida consumer wants to check an agent's license status, report suspected insurance fraud, and get help with an insurance complaint. Which official's office provides those services?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Agent licensing and investigations, the Division of Insurance Fraud, and consumer services all operate within the Department of Financial Services, which is headed by Florida's Chief Financial Officer. The CFO's consumer-facing structure is the right door for agent-related complaints, while the OIR handles matters involving insurance companies themselves.
Why the other options are wrong
- B) The OIR regulates insurers - rates, forms, and market conduct - rather than providing these agent-focused consumer services.
- C) Banking oversight belongs to the Office of Financial Regulation; no banking comptroller handles insurance complaints.
- D) No governor's insurance ombudsman exists for this purpose; the CFO's Department of Financial Services is the proper office.
Memory hook
Agents and fraud? Call the CFO's shop.