The Alliance staff, Board of Directors, Board committees and task forces work together in a variety of ways to identify issues on which the Alliance focuses.

Market Conduct Analysis Statement Reporting Begins for Fraternals Covering 2026 Data

As of November 2024, the fraternal exemption from Market Conduct Annual Statement (MCAS) reporting was removed. While the initial timeline instructed fraternal benefit societies to report their 2025 data in 2026, the American Fraternal Alliance successfully advocated for a one-year extension. Fraternal benefit societies will now be required to submit MCAS reports in 2027, covering their 2026 data.

The Alliance hosts a monthly MCAS cohort as societies prepare for reporting. Interesting in joining the cohort? Email info@fraternalalliance.org.

Resources:

• NAIC MCAS Submission Training – see schedule for 2026 events: https://content.naic.org/mcas-2025.htm

• NAIC MCAS Resources for 2026 Data Year: https://content.naic.org/mcas-2026.htm

  • Data Worksheets (Blanks)

  • Data Call and Definitions

  • FAQ

  • CSV Upload Files (for those not planning to manually enter data)

Reporting Tips/Highlights from the MCAS Cohort:

• Assigning an MCAS Administrator: This is separate from your financial system administrator. Email MCAS@naic.org for support.

• Definitions: Review the data definitions as internal definitions may not match. Develop (and continuously improve) an accessible definitions guide for staff participating in the data collection or submission process.

• Submission Training: The NAIC provides training on the submission process. The Alliance has a slide deck presented to the MCAS Cohort by a carrier familiar with reporting that outlined the manual submission process. Email info@fraternalallaince.org for more information.

For MCAS reporting questions, email MCAS@naic.org.