The regulator overseeing insurance in Texas is the

• A. Texas Department of Insurance
• B. The Commissioner of Insurance
• C. State Insurance Board
• D. Department of Financial Services

Answer: (B)

The regulator overseeing insurance in Texas is the Commissioner of Insurance. The Commissioner heads the Texas Department of Insurance, the state agency responsible for regulating insurance. This means the department administers insurance laws, licenses agents, reviews the financial solvency of insurers, and protects consumers, while the Commissioner is the official who enforces those laws and policies. The Commissioner is appointed by the governor and confirmed by the Senate, serving as the chief regulator. The Texas Department of Insurance is the agency that carries out regulation, not the regulator itself, and there isn’t a separate State Insurance Board or a Department of Financial Services role for Texas insurance regulation.