Tony Cotto
Lexington, KY, United States
11 Years
  • Yale University   (2000 - 2003) B.A., Political Science
  • George Washington University Law School  (2003 - 2006) J.D.
Practice Areas: Law
Health Care Law
Corporate Law
Consumer Contract Law
Issues Addressed:
Startup Legal Needs, Contract Writing and Negotiation: Business, Consumer Protection Concerns, Other Legal Issues
Tony Cotto

Tony represents insurance entities in all facets of their operations with a focus on regulatory and legislative relations with state insurance departments, state legislatures, the U.S. Congress, and Federal Agencies, bringing to bear more than a decade of experience in local and national politics and policy around insurance and financial services. Tony advises clients on all aspects of compliance and responding to enforcement actions, helping them navigate the increasingly complex insurance landscape at the state, federal, and international levels. Prior to joining Frost Brown Todd in 2016, he represented state insurance departments in his role as Financial Policy and Legislation Counsel for the National Association of Insurance Commissioners (NAIC).

As part of the NAIC Government Relations team in Washington, D.C., Tony represented the NAIC before Congress and Federal Regulatory bodies on all non-health insurance related laws and rulemakings, with a focus on financial regulations, Dodd-Frank implementation, and cybersecurity. He was the primary NAIC staffer responsible for representing state insurance regulators at the Bank Secrecy Act Advisory Group (BSAAG), Financial Banking Information Infrastructure Committee (FBIIC), and the Cybersecurity Forum for Executive and Independent Regulators. In addition, Tony provided technical and strategic counsel to association members and staff regarding: receivership, insolvency, market conduct, financial condition, producer licensing, anti-money laundering compliance, housing policy, and all other proposed federal legislation or agency rulemakings affecting insurance. Whether through legislative drafting, comment letters, or formal testimony, in his work at the NAIC, Tony ensured that insurance regulators' views were accurately presented to and heard by Federal decision makers.

Prior to joining the NAIC, Tony served as Counsel for the U.S. Senate Permanent Subcommittee on Investigations (PSI), where he advised ranking member Tom Coburn (R-OK) on legal and policy aspects of all the subcommittee’s efforts. Most notably, Tony served as the lead Republican staffer for PSI’s two-year investigation and report on the origins of the 2008 U.S. Financial Crisis. He also researched, drafted, and edited portions of Dr. Coburn's annual “Wastebook” and stimulus checkup reports on Federal expenditures connected to the American Recovery and Reinvestment Act.

Tony also has experience within the Executive Branch, where he began his government service as an Attorney-Advisor at the U.S. Office of Special Counsel prosecuting federal whistleblower complaints. In 2007, President George W. Bush appointed him Associate Counsel at the U.S. Department of Commerce, where he led the Congressional Response Group as the primary political liaison between the department and oversight staff from numerous Committees on Capitol Hill, in addition to advising the general counsel and her staff of 400 attorneys on all legal matters facing the department.

Tony's successful legislative and regulatory efforts have earned him four NAIC Star Awards, and for his role in the drafting and passage of the 2015 Policyholder Protection Act, Tony received a Diamond Award, the highest honor given to NAIC staff.

Highlights & Recognitions
  • Diamond Award, NAIC, 2016
Memberships & Affiliations
  • American Bar Association
  • The Federalist Society
  • Republican National Lawyers Association
  • America's Future Foundation