Technological disruption brings alternatives to lower prices and open market access, in addition to threats, as new competitors emerge from exterior the trade and bust establishment enterprise models. In addition, the Department offers shopper safety, outreach, and financial empowerment and schooling providers to Michigan residents. DIFS regulates banks, credit score unions, insurance firms, insurance coverage agents, insurance businesses, mortgage licensees, and client finance-related entities. We recognize insurance is a extremely capital-intensive enterprise, and therefore, an insurance coverage company’s access to capital is often a life source of its operations. Members of the Insurance group are intimately familiar with the various corporate finance methods obtainable to insurance coverage and monetary providers corporations, and the related regulatory and financial points. Sidley frequently represents insurance coverage holding companies and insurers, in addition to underwriters and monetary advisors, in traditional private and non-private choices of common stock, most popular stock and debt securities.