The Violent Crime Control and Law Enforcement Act of 1994 provides criminal and civil enforcement provisions for insurance fraud committed by persons in the insurance industry. The Act also provides penalties for persons who have been convicted of certain prior criminal acts and who willfully engage in the business of insurance affecting interstate commerce, unless such person receives written consent from the appropriate regulatory official. The Iowa Division of Insurance has jurisdiction under 18 U.S.C. § 1033 to consider requests for written consent, per Iowa Code section 522B.16B and Iowa Administrative Code chapter 191-13.
Prohibited Persons are required to submit a written request to the Commissioner of Insurance for permission to transact the business of insurance in this state on the Division's Consent to Work in the Business of Insurance–Short Form application. They must receive written consent from the Commissioner of Insurance or risk federal prosecution. The prohibited person is responsible for applying for and receiving written consent. Persons who fail to comply with this Act face federal sanctions, including fines and/or imprisonment.