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CA Department of Insurance

Rate Regulation Branch

The Rate Regulation Branch (RRB) determines whether rates charged to consumers in California are fair (not excessive, inadequate or unfairly discriminatory).

Under the provisions of Proposition 103 (enacted by the voters in 1988) the Department of Insurance is required to review rates for most property and casualty lines of business before they can be used.

RRB analyzes filings submitted by property and casualty insurers and other insurance organizations under California's prior approval statutes for most property and casualty lines of business. In addition, the RRB analyzes filings submitted by property and casualty insurers and other insurance organizations under California's file and use statutes for a limited number of property and casualty lines of business.

The Rate Regulation Branch consists of five (5) filing bureaus (two in San Francisco and three in Los Angeles). RRB is assisted by an Actuarial unit and a Rate Specialist Bureau

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