The topic of federal regulation has been debated for several years now. However, in the recent months the discussions have intensified. There seem to be strong arguments by several insurance companies—some in favor of federal regulation, others very much opposed. This session will present two differing viewpoints. In the spirit of a formal debate each side will be allowed to present their case, and then later will be given an opportunity to respond to the other side. Finally, the session will conclude with questions from the audience.