1. Under the federal Fair Credit Reporting Act, an insurer that bases an adverse decision on a consumer report must:

Notify the consumer and disclose the reporting agency

FCRA requires notice of adverse action and identification of the consumer reporting agency used.

2. Under 18 USC 1033 and 1034, a person convicted of a breach-of-trust felony:

Is barred from the business of insurance absent written regulatory consent

Federal law prohibits persons convicted of breach-of-trust felonies from the insurance business without written consent.

3. The Gramm-Leach-Bliley Act requires insurers to:

Provide privacy notices and protect nonpublic personal information

GLBA requires privacy notices and safeguards for nonpublic personal financial information.

4. A core requirement introduced by the federal Affordable Care Act is:

Coverage of essential health benefits and a prohibition on denying coverage for pre-existing conditions

The ACA requires essential health benefits and prohibits denying coverage based on pre-existing conditions.