Compliance in insurance brokerage isn’t governed by a single rulebook; it’s a complex web of obligations that differ by state, product, and client type. At its core, it ensures brokers act fairly, protect consumers, and adhere to legal and ethical standards. Brokers face requirements from multiple authorities, including state insurance departments for licensing and advertising, the NAIC for model laws, and federal regulations like AML and data privacy laws, particularly for financial data. Compliance touches both front-office and back-office functions, from client communications and data storage to commission disclosures and agent training. Essentially, it’s an ongoing process that’s woven into the daily operations of the business.

For mortgage lenders and servicers, compliance is not just a regulatory checkbox. It is a daily operational challenge. Managing disclosures, maintaining accurate records, and responding to shifting federal and state rules can feel like trying to hit a moving target.  In the post-Dodd-Frank era and amid persistently high interest rates in 2025, these pressures are...