The Market Conduct section is responsible for conducting Market Analysis, Market Conduct investigations and Market Conduct examinations.

Market Analysis is a system of collection and analysis of data that helps regulators conduct surveillance on the insurance marketplace.  Data is generally collected and trended by line of business and generally includes but is not limited to, the analysis of complaints, policy forms, premiums, losses, other regulatory actions and lawsuits.  Market Analysis helps target issues that violate Missouri statutes or regulations. 

Once an issue is identified through Market Analysis, department staff are assigned to review these issues using investigations or examinations. 

Market conduct investigations and examinations ensure equitable treatment of Missouri policyholders and compliance with Missouri statutes and regulations.  Reasons for conducting a market conduct exam or investigation include, but are not limited to; information obtained from consumers or departmental staff, high complaint indices, misleading sales practices, problems found in financial examinations or information received from other regulatory entities. 

Three methods are used to conclude examinations or investigations:

The insurer signs settlement agreements or the Director issues an order after a hearing which can include payment of fines to the state and restitution to consumers.  The department issues monetary penalties based upon statute and can increase the level of violation for knowing violations. 

A cure order is issued when the department finds errors that are not serious enough to merit fines. The order requires the company to fix the violations found in the report.

A filing order is issued when the department has found no violations.

NameDatePDF
CAMERON MUTUAL INSURANCE COMPANY09/29/2014Documents
ENTITLE INSURANCE COMPANY09/25/2014Documents
PHARMACISTS MUTUAL INSURANCE COMPANY08/29/2014Documents
GREAT DIVIDE INSURANCE COMPANY08/20/2014Documents
GRINNELL MUTUAL REINSURANCE COMPANY08/20/2014Documents
NATIONAL TRUST INSURANCE COMPANY08/20/2014Documents
ONEBEACON AMERICA INSURANCE COMPANY08/20/2014Documents
FCCI INSURANCE COMPANY08/20/2014Documents
QBE INSURANCE CORPORATION08/20/2014Documents
HEALTHY ALLIANCE LIFE INSURANCE COMPANY08/01/2014Documents
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HANOVER INSURANCE COMPANY THE05/19/2014Documents
MASSACHUSETTS BAY INSURANCE COMPANY05/19/2014Documents
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA04/03/2014Documents
NATIONAL FIRE INSURANCE COMPANY OF HARTFORD04/03/2014Documents
VALLEY FORGE INSURANCE COMPANY04/03/2014Documents
CONTINENTAL CASUALTY COMPANY04/03/2014Documents
TRANSPORTATION INSURANCE COMPANY04/03/2014Documents
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HALLMARK INSURANCE COMPANY03/03/2014Documents
UNITED FIRE AND CASUALTY COMPANY02/25/2014Documents
ADDISON INSURANCE COMPANY02/25/2014Documents
OMNI INDEMNITY COMPANY02/25/2014Documents
ARGONAUT INSURANCE COMPANY02/21/2014Documents
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EMPLOYERS MUTUAL CASUALTY COMPANY02/19/2014Documents
EMCASCO INSURANCE COMPANY02/19/2014Documents
UNION INSURANCE COMPANY OF PROVIDENCE02/19/2014Documents
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK02/04/2014Documents
GREAT AMERICAN ALLIANCE INSURANCE COMPANY02/04/2014Documents
HUMANA HEALTH PLAN INC01/13/2014Documents
NATIONWIDE AGRIBUSINESS INSURANCE COMPANY12/31/2013Documents
FARMLAND MUTUAL INSURANCE COMPANY12/31/2013Documents
EMCASCO INSURANCE COMPANY12/31/2013Documents
NATIONAL LIABILITY & FIRE INSURANCE COMPANY12/09/2013Documents
PRIDE NATIONAL INSURANCE COMPANY12/04/2013Documents
HUMANA INSURANCE COMPANY12/04/2013Documents
TOKIO MARINE & NICHIDO FIRE INSURANCE CO LTD10/29/2013Documents
MIDWEST EMPLOYERS CASUALTY COMPANY10/11/2013Documents
TRANSAMERICA LIFE INSURANCE COMPANY09/20/2013Documents
ESURANCE INSURANCE COMPANY08/27/2013Documents
ING USA ANNUITY AND LIFE INSURANCE COMPANY08/13/2013Documents
LUMBERMENS UNDERWRITING ALLIANCE08/02/2013Documents
AMERICAN HERITAGE LIFE INSURANCE COMPANY07/22/2013Documents
TIME INSURANCE COMPANY07/15/2013Documents
TIAA-CREF LIFE INSURANCE COMPANY07/08/2013Documents
HMO MISSOURI INC06/13/2013Documents
AMERISURE MUTUAL INSURANCE COMPANY05/24/2013Documents
COX HEALTH SYSTEMS HMO INC05/20/2013Documents
MID CENTURY INSURANCE COMPANY05/13/2013Documents
EMPIRE FIRE AND MARINE INSURANCE CO05/03/2013Documents
SAFETY FIRST INSURANCE COMPANY04/15/2013Documents
SAFETY NATIONAL CASUALTY CORPORATION04/15/2013Documents
ACUITY A MUTUAL INSURANCE COMPANY04/02/2013Documents
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA03/21/2013Documents
HMO MISSOURI INC02/22/2013Documents
GENERAL CASUALTY COMPANY OF WISCONSIN02/06/2013Documents
VIRGINIA SURETY COMPANY INC02/06/2013Documents
ACIG INSURANCE COMPANY01/17/2013Documents
HMO MISSOURI INC12/26/2012Documents
FARM BUREAU TOWN & COUNTRY INS CO OF MO12/18/2012Documents
ALFA VISION INSURANCE CORPORATION12/18/2012Documents
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA12/14/2012Documents
SOMPO JAPAN INSURANCE COMPANY OF AMERICA12/06/2012Documents
VICTORIA AUTOMOBILE INSURANCE COMPANY12/05/2012Documents
FIRST AMERICAN TITLE INSURANCE COMPANY12/05/2012Documents
WASHINGTON NATIONAL INSURANCE COMPANY11/19/2012Documents
HEALTHY ALLIANCE LIFE INSURANCE COMPANY11/16/2012Documents
GREAT WEST CASUALTY COMPANY11/16/2012Documents
HMO MISSOURI INC11/16/2012Documents
JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY11/09/2012Documents
HMO MISSOURI INC11/06/2012Documents
PROTECTIVE INSURANCE COMPANY10/30/2012Documents
NATIONWIDE LIFE INSURANCE COMPANY10/30/2012Documents
AMERICAN GENERAL LIFE INSURANCE COMPANY OF DELAWARE10/19/2012Documents
AETNA LIFE INSURANCE COMPANY09/26/2012Documents
CHICAGO TITLE INSURANCE COMPANY09/25/2012Documents
FIDELITY NATIONAL TITLE INSURANCE CO09/25/2012Documents
COMMONWEALTH LAND TITLE INSURANCE COMPANY09/25/2012Documents
ZENITH INSURANCE COMPANY09/06/2012Documents
AMERISURE MUTUAL INSURANCE COMPANY08/27/2012Documents
FIRST AMERICAN TITLE INSURANCE COMPANY08/27/2012Documents
STEWART TITLE GUARANTY COMPANY07/19/2012Documents
DAKOTA TRUCK UNDERWRITERS07/19/2012Documents
VIGILANT INSURANCE COMPANY07/19/2012Documents
CHUBB NATIONAL INSURANCE COMPANY07/19/2012Documents
PACIFIC INDEMNITY COMPANY07/19/2012Documents
GREAT NORTHERN INSURANCE COMPANY07/19/2012Documents
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA07/03/2012Documents
DALLAS NATIONAL INSURANCE COMPANY06/07/2012Documents
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS06/04/2012Documents
XL SPECIALTY INSURANCE COMPANY05/17/2012Documents
DAKOTA HOMESTEAD TITLE INSURANCE COMPANY05/17/2012Documents
AGENTS NATIONAL TITLE INSURANCE COMPANY05/17/2012Documents
METLIFE INVESTORS INSURANCE COMPANY05/15/2012Documents
UNITED GENERAL TITLE INSURANCE COMPANY04/24/2012Documents
LAND TITLE INSURANCE COMPANY OF ST LOUIS04/24/2012Documents
NATIONAL LAND TITLE INSURANCE COMPANY04/02/2012Documents
OLD REPUBLIC INSURANCE COMPANY03/30/2012Documents
HUMANA INSURANCE COMPANY03/14/2012Documents
CENTRAL UNITED LIFE INSURANCE COMPANY03/09/2012Documents
FEDERATED MUTUAL INSURANCE COMPANY01/27/2012Documents
NEW SOUTH INSURANCE COMPANY01/27/2012Documents
NATIONAL GENERAL INSURANCE COMPANY01/27/2012Documents
NATIONAL GENERAL ASSURANCE COMPANY01/27/2012Documents
PRUDENTIAL INSURANCE COMPANY OF AMERICA THE01/27/2012Documents
AMERICAN GUARANTY TITLE INSURANCE COMPANY12/19/2011Documents
OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY12/19/2011Documents
ELECTRIC INSURANCE COMPANY12/16/2011Documents
PREMIER LAND TITLE INSURANCE COMPANY11/15/2011Documents
ALLIANT NATIONAL TITLE INSURANCE COMPANY11/09/2011Documents
NATIONAL TITLE INSURANCE OF NEW YORK INC11/09/2011Documents
UNITED GENERAL TITLE INSURANCE COMPANY10/11/2011Documents
WESCO INSURANCE COMPANY10/06/2011Documents
AMERICAN INTERSTATE INSURANCE COMPANY09/21/2011Documents
NATIONAL INTERSTATE INSURANCE COMPANY08/04/2011Documents
SENTRY INSURANCE A MUTUAL COMPANY06/30/2011Documents
AMERICAN INTERNATIONAL GROUP INC02/28/2011Documents
UNIVERSAL CASUALTY COMPANY02/10/2011Documents
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY11/15/2010Documents
GOOD HEALTH HMO INC DBA BLUE-CARE INC11/15/2010Documents
TRISOURCE HEALTHCARE INC DBA BLUE-ADV11/15/2010Documents
AETNA HEALTH INC11/04/2010Order
GROUP HEALTH PLAN INC10/28/2010Documents
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY10/15/2010
AETNA HEALTH INC10/08/2010Exam
GOOD HEALTH HMO INC DBA BLUE-CARE INC10/05/2010Exam
TRISOURCE HEALTHCARE INC DBA BLUE-ADV10/04/2010Documents
AETNA HEALTH INC09/29/2010Stipulation
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY09/23/2010Stipulation
GOOD HEALTH HMO INC DBA BLUE-CARE INC09/23/2010Stipulation
TRISOURCE HEALTHCARE INC DBA BLUE-ADV09/23/2010Stipulation
COVENTRY HEALTH CARE OF KANSAS INC08/30/2010Documents
COMMUNITY HEALTH PLAN08/30/2010Documents
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY08/06/2010Company Response
GOOD HEALTH HMO INC DBA BLUE-CARE INC08/06/2010Company Response
MERCY HEALTH PLANS OF MISSOURI INC07/10/2010Documents
BLUE CROSS AND BLUE SHIELD OF KANSAS CITY07/07/2010Company Response
COMMUNITY HEALTH PLAN06/22/2010Documents
MILLERS FIRST INSURANCE COMANY06/22/2010Documents
AETNA HEALTH INC06/15/2010Company Response
STATE AUTOMOBILE MUTUAL INSURANCE COMPANY04/26/2010Documents
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY04/26/2010Documents
STATE AUTO NATIONAL INSURANCE COMPANY04/26/2010Documents
STATE AUTO LIFE INSURANCE CO04/26/2010Documents
BALBOA INSURANCE COMPANY02/01/2010Documents
COMMONWEALTH LAND TITLE INSURANCE COMPANY02/01/2010Documents
FIDELITY NATIONAL TITLE INSURANCE CO02/01/2010Documents
LAWYERS TITLE INSURANCE CORPORATION02/01/2010Documents
TRANSNATION TITLE INSURANCE COMPANY02/01/2010Documents
MENDOTA INSURANCE COMPANY01/29/2010Documents
DIRECT NATIONAL INSURANCE COMPANY12/30/2009Order
DIRECT GENERAL INSURANCE COMPANY12/30/2009Documents
DIRECT GENERAL INSURANCE COMPANY AND DIRECT NATIONAL INSURANCE COMPANY12/30/2009Documents
GOOD HEALTH HMO INC DBA BLUE-CARE INC12/30/2009Documents
GROUP HEALTH PLAN INC12/30/2009Documents
NATIONAL LLOYDS INSURANCE COMPANY12/30/2009Documents
BLUE-ADVANTAGE PLUS OF KANSAS CITY INC D/B/A BLUE-ADVANTAGE PLUS12/30/2009Documents
COVENTRY HEALTH AND LIFE INSURANCE COMPANY12/30/2009Documents
INFINITY AUTO INSURANCE COMPANY11/30/2009Documents
INFINITY INSURANCE CO11/30/2009Documents
AMERICAN MODERN HOME INSURANCE CO10/26/2009Documents
SHELTER GENERAL INSURANCE COMPANY10/26/2009Documents
AGENTS NATIONAL TITLE INSURANCE COMPANY10/21/2009Stipulation
HUMANA HEALTH PLAN INC09/03/2009Documents
CONSECO MEDICAL INSURANCE COMPANY08/28/2009Documents
UNITED HEALTHCARE INSURANCE COMPANY08/26/2009Documents
COUNTRY CASUALTY INSURANCE COMPANY06/11/2009Documents
MONUMENTAL LIFE INSURANCE COMPANY06/11/2009Documents
HOMESITE INDEMNITY COMPANY03/12/2009Documents
CHICAGO TITLE INSURANCE COMPANY02/24/2009Documents
TICOR TITLE INSURANCE COMPANY02/24/2009Documents
OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY01/21/2009Documents
OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY01/21/2009Documents
FIRST ACCEPTANCE INSURANCE COMPANY INC01/20/2009Documents
CANAL INSURANCE COMPANY01/08/2009Documents
ACCIDENT FUND INSURANCE COMPANY OF AMERICA12/31/2008Documents
GATEWAY INSURANCE COMPANY12/16/2008Documents
YOUNG AMERICA INSURANCE COMPANY12/16/2008Documents
UNITED HEALTHCARE INSURANCE COMPANY11/18/2008Stipulation
UNITEDHEALTHCARE OF THE MIDWEST INC11/18/2008Stipulation
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VIKING INSURANCE COMPANY OF WISCONSIN10/14/2008Documents
COLONIAL LIFE & ACCIDENT INS CO09/19/2008Documents
SECURA INSURANCE A MUTUAL COMPANY09/15/2008Documents
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY09/04/2008Order Stipulation
ALLSTATE INDEMNITY COMPANY09/04/2008Order Stipulation
ALLSTATE INSURANCE COMPANY09/04/2008Order Stipulation
SAVERS PROPERTY & CASUALTY INSURANCE COMPANY08/25/2008Documents
MERCY HEALTH PLANS OF MISSOURI INC07/31/2008Order Stipulation
AMERICAN SERVICE INSURANCE COMPANY07/21/2008Documents
LINCOLN GENERAL INSURANCE COMPANY07/21/2008Documents
ENCOMPASS INDEMNITY COMPANY07/21/2008Documents
STATE FARM FIRE AND CASUALTY COMPANY06/24/2008Documents
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY06/24/2008Documents
CINCINNATI CASUALTY COMPANY THE06/20/2008Documents
CINCINNATI INDEMNITY COMPANY INC06/20/2008Documents
CINCINNATI INSURANCE COMPANY THE06/20/2008Documents
COVENTRY HEALTH CARE OF KANSAS INC05/16/2008Order Stipulation
CIGNA HEALTHCARE OF OHIO, INC.05/06/2008Order Stipulation
CIGNA HEALTHCARE OF ST LOUIS INC04/28/2008Documents
ALFA VISION INSURANCE CORPORATION04/22/2008Order Stipulation
WESTERN RESERVE LIFE ASSURANCE CO OF OHIO04/14/2008Order Stipulation
WESTERN RESERVE LIFE ASSURANCE CO OF OHIO04/07/2008Stipulation
BANKERS LIFE AND CASUALTY COMPANY03/27/2008Stipulation
STANDARD FIRE INSURANCE COMPANY03/21/2008Documents
AUTOMOBILE INS CO OF HARTFORD CT03/21/2008Documents
OLD RELIABLE CASUALTY COMPANY03/13/2008Order Stipulation
UNITED HEALTHCARE INSURANCE COMPANY03/03/2008Order Stipulation
UNITEDHEALTHCARE OF THE MIDWEST INC03/03/2008Order Stipulation
FEDERAL INSURANCE COMPANY02/06/2008Order Stipulation
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE PREFERRED INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE SPECIALTY INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE CASUALTY INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE CLASSIC INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE DIRECT INSURANCE COMPANY01/11/2008Documents
PROGRESSIVE MAX INSURANCE COMPANY01/11/2008Documents
COX HEALTH SYSTEMS HMO INC01/03/2008Documents
LAND TITLE INSURANCE COMPANY OF ST LOUIS12/31/2007Order Stipulation
FIRST AMERICAN TITLE INSURANCE COMPANY12/31/2007Order Stipulation
STANDARD INSURANCE COMPANY12/31/2007Order Stipulation
STANDARD INSURANCE COMPANY12/19/2007Stipulation
FIDELITY SECURITY LIFE INSURANCE COMPANY11/20/2007Documents
COX HEALTH SYSTEMS HMO INC11/13/2007Documents
UNIVERSAL UNDERWRITERS INS CO11/01/2007Order Stipulation
AMERICAN GENERAL LIFE INSURANCE CO10/31/2007Documents
BENICORP INSURANCE COMPANY10/15/2007Documents
VANLINER INSURANCE COMPANY10/15/2007Order
ACE AMERICAN INSURANCE COMPANY10/05/2007Documents
FARMERS INSURANCE COMPANY INC10/02/2007Order Stipulation
FIRE INSURANCE EXCHANGE10/02/2007Order Stipulation
CIVIC PROPERTY & CASUALTY CO10/02/2007Order Stipulation
PEOPLES BENEFIT LIFE INSURANCE COMPANY09/25/2007Order Stipulation
AMERICAN ECONOMY INSURANCE COMPANY09/17/2007Order Stipulation
AMERICAN STATES INSURANCE COMPANY09/17/2007Order Stipulation
INSURANCE COMPANY OF ILLINOIS09/17/2007Order Stipulation
SAFECO INSURANCE COMPANY OF AMERICA09/17/2007Order Stipulation
FIRST NATIONAL INSURANCE COMPANY OF AMERICA09/17/2007Order Stipulation
GENERAL INSURANCE COMPANY OF AMERICA09/17/2007Order Stipulation
AMERICAN PIONEER LIFE INSURANCE COMPANY09/11/2007Order Stipulation
GREAT WEST CASUALTY COMPANY08/29/2007Documents
UNICARE LIFE & HEALTH INSURANCE COMPANY08/09/2007Order Stipulation
AUTO OWNERS INSURANCE COMPANY08/06/2007Order Stipulation
OWNERS INSURANCE COMPANY08/06/2007Order Stipulation
MISSOURI EMPLOYERS MUTUAL INSURANCE COMPANY08/03/2007Order Stipulation
AMERICAN FIDELITY ASSURANCE COMPANY07/13/2007Documents
UNION FIDELITY LIFE INSURANCE COMPANY07/13/2007Documents
WESTERN AGRICULTURAL INSURANCE COMPANY07/05/2007Documents
MISSOURI PROPERTY INSURANCE PLACEMENT FACILITY06/28/2007Documents
AUTO CLUB FAMILY INSURANCE COMPANY06/26/2007Order Stipulation
CNA CLAIMPLUS INC06/19/2007Documents
OM FINANCIAL LIFE INSURANCE COMPANY05/24/2007Order Stipulation
AVIVA LIFE AND ANNUITY COMPANY05/24/2007Documents
UNITEDHEALTHCARE OF THE MIDWEST INC05/07/2007Order Stipulation
VALLEY FORGE INSURANCE COMPANY05/02/2007Order
MIDLAND NATIONAL LIFE INSURANCE COMPANY04/23/2007Documents
EMC NATIONAL LIFE COMPANY03/26/2007Documents
TRINITY UNIVERSAL INSURANCE COMPANY03/06/2007Documents
SECURITY NATIONAL INSURANCE COMPANY03/06/2007Documents
SAGAMORE INSURANCE COMPANY03/06/2007Documents
UNITED SERVICES AUTOMOBILE ASSOCIATION02/08/2007Order Stipulation
HARTFORD UNDERWRITERS INSURANCE COMPANY01/23/2007Documents
METROPOLITAN LIFE INSURANCE COMPANY12/27/2006Order Stipulation
COMMUNITY HEALTH PLAN12/06/2006Order Stipulation
GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY11/29/2006Order Stipulation
MENDOTA INSURANCE COMPANY11/27/2006Order Stipulation
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN11/03/2006Documents
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY11/03/2006Documents
FOREMOST SIGNATURE INSURANCE COMPANY11/03/2006Documents
CIGNA HEALTHCARE OF ST LOUIS INC11/03/2006Order Stipulation
RESERVE NATIONAL INSURANCE COMPANY10/18/2006Order Stipulation
PRUDENTIAL INSURANCE COMPANY OF AMERICA THE10/06/2006Order Stipulation
ALLIED PROPERTY & CASUALTY INSURANCE COMPANY10/04/2006Order Stipulation
AMERICAN INCOME LIFE INSURANCE CO08/01/2006Documents
OMNI INSURANCE COMPANY07/18/2006Documents
STONEBRIDGE LIFE INSURANCE COMPANY07/05/2006Order Stipulation
TRUSTMARK INSURANCE COMPANY06/14/2006Order Stipulation
FEDERATED MUTUAL INSURANCE COMPANY06/07/2006Documents
CONTINENTAL GENERAL INSURANCE COMPANY04/25/2006Order Stipulation
AMERICAN STANDARD INSURANCE COMPANY OF WISCONSIN04/20/2006Documents
GEICO CASUALTY COMPANY04/18/2006Documents
TRADERS INSURANCE COMPANY04/14/2006Documents
ALLSTATE INSURANCE COMPANY04/10/2006Order Stipulation
LIBERTY LIFE INSURANCE COMPANY03/20/2006Order Stipulation
STEWART TITLE GUARANTY COMPANY02/28/2006Order Stipulation
PROTECTIVE LIFE INSURANCE COMPANY02/10/2006Documents
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS01/25/2006Documents
AMERICAN REPUBLIC INSURANCE COMPANY01/25/2006Documents
COLUMBIA INSURANCE COMPANY01/10/2006Documents
JOHN HANCOCK VARIABLE LIFE INSURANCE COMPANY01/05/2006Documents
HAWKEYE SECURITY INSURANCE COMPANY01/05/2006Order Stipulation
LIBERTY MUTUAL INSURANCE COMPANY01/05/2006Order Stipulation
MISSOURI VALLEY LIFE AND HEALTH INSURANCE COMPANY12/30/2005Order Stipulation