Does the Director of Insurance have the authority to enforce federal laws like RESPA?

The Director of Insurance has the authority to enforce federal laws such as the Real Estate Settlement Procedures Act (RESPA) because enforcement of such federal regulations is part of the broader role of state regulators in ensuring compliance with both state and federal law. The integration of federal standards into state regulatory frameworks allows state agencies, including the Director of Insurance, to monitor and enforce adherence to these laws to protect consumers and maintain market integrity. This dual role enhances the effectiveness of regulatory efforts in real estate transactions, ensuring that all practices meet established federal guidelines alongside local regulations.