The New York State Insurance Department has made concessions to draft commission disclosure rules that put the onus on buyers to raise the issue with brokers.

Under the new amendments, brokers would only be required to disclose their commission to clients if they request the information.

A second amendment excludes renewals from the disclosure requirements, meaning clients will only be able to access commission information on new policies.

The Risk and Insurance Management Society (RIMS) has criticised legislators for backing away from a commitment to improve consumer protection measures.

“While the regulatory process is advancing, RIMS is disappointed that the new document does not contain consumer protections that were part of the original proposal,” a spokesman said.