Skip Navigation LinksOCI > Market Conduct Annual Statement - Instructions

Market Conduct Annual Statement - Instructions

​​​​​​​​​​​​​​​​​​​​​​​​Last Updated: December 29, 2025​

 Jump to Section: Market Conduct Annual Statement | Filing Requirements | Co​ntact | Filing Instructions and Database | NAIC MCAS Website

Market Conduct Annua​l Statement

The Market Conduct Annual Statement (MCAS) was developed through the National Association of Insurance Commissioners (NAIC) with the input of state regulators and representatives from the industry.

MCAS is designed to provide analysis of certain key market performance data that help regulators allocate market regulation resources where they can be most effective. MCAS provides market regulators with market conduct information not otherwise available for their market analysis initiatives. Companies report their data to each jurisdiction through the NAIC's on-line MCAS application. It is an analysis tool that states use to review market activity of the insurance marketplace in a consistent manner and to identify companies whose practices are outside normal ranges.

Market Conduct Annual S​​​​tatement Filing Requirements

The MCAS is a​ mandatory filing that collects data on a state-specific, industry-wide basis.

Companies that are not licensed to do business in Wisconsin or that reported less than the minimum premium thresholds do not need to file an MCAS in Wisconsin.​

​Market Conduct Annu​al Stateme​​​nt Contact

As part of the Financial Annual Statement filing every company is required to designate a Market Conduct Contact. This person is the primary company contact for all market conduct matters and the individual to whom the MCAS data call letter is addressed. If the company fails to designate a Market Conduct Contact, the NAIC looks to the Financial Statement Contact to fulfill that role.

This individual has the sole authority to add and remove other users to the online MCAS application on behalf of their company. The Administrator may designate a specific MCAS contact to serve as the point person for MCAS filing issues and regulator questions, but the Administrator may not delegate his/her administration role except as outlined in the MCAS User Guide.​

Market Conduct Annual Statement Filing Instructio​​​ns and Database

Instruction​s and additional information about the MCAS may be obtained from NAIC website.

We strongly recommend that your contact person review the data call instructions, FAQs, and other information for the project prior to submitting the data. These documents explain in more detail the requirements of MCAS.

Report​​​ing

Companies are required to use the online reporting system accessible using the log in button located on the MCAS web page of the NAIC's website.

This online application supports both manual and electronic data entry by a company for all jurisdictions in which they are required to file. This application is also used by a company to request a waiver or extension from any jurisdiction.

A separate filing is required for each company within the group is required to report in Wisconsin. Data for affiliated companies may not be combined into one submission. Do not request waivers or submit filings for companies that are not licensed in Wisconsin.​

Certificate of Comp​​liance

All companies that submit an MCAS filing must attest to the completeness and accuracy of their submission. This is accomplished via the attestation function in the MCAS application. As a part of this process, each company will name an officer within the MCAS application that attests to the completeness and accuracy of the submission. This attestation is required once per filing period and applies to all submissions for that company code. No submissions will be accepted until an attestation is completed for the company.​

Data Ele​​​ments​​

The actual data calls and data element definitions are available on the NAIC's website. The data calls are reviewed annually and amended as needed. As such, we recommend that you review the most current data call on the NAIC's MCAS website and verify that you are reporting data in accordance with the most current data call specifications. ​​

NAIC MCAS Website​

The information provided includes:

  • Key MCAS Dates
  • MCAS Lines of Business
  • Participation Requirements
  • FAQ (Frequently Asked Questions) - Contains both technical and definitional information not located in the other Help documents (Located just under the MCAS "Log In" icon) You will find answers to questions regarding:
    • Specific data elements
    • Market Conduct Contact, MCAS Administrator, and MCAS Contact
    • MCAS application
    • Waiver and extension requests
    • Required to File asterisks
  • Contacts
  • Scorecards
  • Data Collection Worksheets (Blanks)
  • ​Data Call and Definitions (Instructions)

Below is a link to the NAIC MCAS Website. The NAIC web page can be searched by year. For instance, if you are reporting 2025 data in 2026, you would select 2025 on top of page.

​NAIC Market Conduct Annual Statement​​

If you have any questions, please first check to see if an answer to your question has already been posted to the NAIC's MCAS website. If your question has not been answered on the website, you can submit new questions or request information by sending an e-mail to the NAIC Staff Support at mcas@naic.org. Questions submitted to the NAIC Staff Support will be reviewed and responded to by the participating states. Wisconsin-specific questions may be e-mailed to OCIMRCompanyAnnualStatements@wisconsin.gov