In 2002, the National Association of Insurance Commissioners (NAIC) began the Market Conduct Annual Statement (MCAS) as a means of collecting key market performance data for regulators, providing more consistent measurements and comparisons between companies.

Please be advised that the Oklahoma Insurance Department is a participating state in the Market Conduct Annual Statement. If your Company reports at least $50,000 in Homeowners’ and/or Private Passenger Auto Insurance premium; at least $50,000 in Private Flood written premium; $50,000 in Lender-Placed Homeowners’ and/or Lender-Placed Auto gross premium; $50,000 of Health and/or Disability Income earned premium for all reportable coverages; $50,000 of Individual Life premiums and/or Individual Annuity considerations OR any Long Term Care insurance premiums and/or annuity considerations in Oklahoma, you will be required to file a Market Conduct Annual Statement.  The NAIC will send a data call letter and an Oklahoma specific instruction letter to companies meeting these criteria in December each year.

Companies that are not licensed to do business in the state or do not meet the reporting thresholds for the above lines of business are automatically exempt from filing a Market Conduct Annual Statement for Oklahoma. Additionally, if a Company only meets the threshold for one line of business and not the other, then it will only need to file a report for the line of business for which it meets the threshold.

Your Company will need to collect market data and submit your MCAS in accordance with the instructions found at

Participation Requirements and General MCAS Information can also be found at the above link.

Please be advised there is a $200 filing fee per Title 36 O.S. §311.4(C), which is payable to the Oklahoma Insurance Department at the time of filing in accordance with NAIC filing deadlines.  All MCAS filing fees must be paid electronically using OPTins per the Special Instructions Letter. Paper checks are no longer accepted per Oklahoma Bulletin No. LH 2015-03; P&C 2015-05.

If you have any questions, please do not hesitate to contact Landon Hubbart, Chief of Market Regulation,
at (405) 521-2379 or