Insurance agents and underwriters at a House subcommittee hearing criticized the commission caps included in the new contract for the federal crop insurance program, saying it is the federal government's first attempt to regulate the crop insurance commission rate. The Risk Management Agency, which administers the program, defended the cuts, saying insurers will still see "a reasonable rate of return" under the plan. "As regulator for the federal crop insurance program, RMA saw a clear need to ensure that companies have sufficient funds to pay operating expenses (including agent commissions) without resorting to the reliance on uncertain underwriting gains," said RMA administrator William Murphy.

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