NAIC's Anti Fraud Task Force distributed a draft model bill to establish premium pass-through accounts, along with PIA's comments on the same.  Pat Borowski explained to the task force the importance of not referring to such accounts as "fiduciary accounts" as such accounts have a special meaning to bankers.  Borowski's points were endorsed by federal bank regulators also in attendance at the task force's meeting.  Borowski, Ellen Sanders, the federal bank regulators, and task force staff will be working together during the next month to help clarify the language so that the accounts will truly be premium pass-through accounts, like those in New York and New Hampshire.