The Market Regulation and Consumer Affairs (D) Committee adopted the Pre-Dispute Mandatory Arbitration Clauses Bulletin, which prohibits the use of pre-dispute mandatory arbitration clauses and choice-of-venue and choice-of-law provisions in personal lines insurance policies. While not having the force of law, the bulletin is available to any NAIC member state for use in communicating its policy to disallow such provisions. As adopted, the bulletin defines “pre-dispute mandatory arbitration clause” to mean a provision “requiring that future disputes involving the insurance policy or claims thereunder must be resolved through arbitration by allowing one party to the dispute to so require when the dispute arises.” “Personal lines insurance” is defined to include homeowners, tenants, private passenger non-fleet automobile, mobile manufactured home and other property and casualty insurance for personal, family or household needs.  The bulletin includes an exception from the general prohibition against pre-dispute mandatory arbitration clauses for those situations where arbitration provisions are specifically authorized or required by state insurance laws (such as state laws authorizing or requiring that disputed valuations of auto property damage claims or disputes over uninsured and underinsured motorist damages be resolved through arbitration). The bulletin also recognizes that arbitration may have benefits and would allow the parties’ mutual election of arbitration after the dispute arises. With respect to personal lines insurance policies, the bulletin prohibits choice-of-law provisions that would import the law of a state other than the insured’s state of residence and choice-of-venue provisions that would require the insured to travel outside of their state of residence to adjudicate a claim.