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Regulatory Compliance & Government Affairs

ACORD maintains relationships with insurance regulators and industry associations worldwide. For the United States and its territories, ACORD works with the National Association of Insurance Commissioners (NAIC), the National Conference of Insurance Legislators (NCOIL) and the specific state or territorial insurance regulators who approve ACORD forms.
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ACORD is also an interested party to the International Association of Insurance Supervisors (IAIS) and continues to develop standardized ways for both US and global regulators to view insurance data. In addition, ACORD coordinates with the various insurance trade associations to promote the efficiencies of standardized data and forms.

ACORD’s dedicated regulatory compliance team monitors laws and regulations applicable to ACORD forms and is committed to keeping its standardized forms up to date and compliant. As a licensed Advisory Services Organization or Rate Services Organization, ACORD files required forms on behalf of its members who grant filing authorizations. ACORD works closely with the Departments of Insurance to obtain necessary filing approvals before those forms are made available to the industry.
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Carmen Belen
Compliance Director
Carmen is based in the Northern Virginia / Washington, DC area. Carmen is responsible for ensuring the regulatory compliance of ACORD forms for the benefit of member users. With over 15 years in the insurance industry, Carmen has extensive compliance and product management experience. Prior to joining ACORD, Carmen worked for several carriers and for ISO/Verisk Analytics in both the personal and commercial lines of business, including specialty lines.

Carmen holds the Chartered Property Casualty Underwriter designation, along with several other professional designations conferred by the Institutes. In addition, she holds the Certified Compliance Professional designation conferred by the Association of Insurance Compliance Professionals.
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Jean Carlos
Forms Coordinator
Jean has been with ACORD for ten years and works full time from the home office in Pearl River, New York. Jean is responsible for filing forms in all of the states where required. She also updates the forms filing index, assists with maintaining the forms filing requirements page, manages ACORD’s advisory services and rates services licenses and assists with general legal correspondence.​​​​