保险法规
保险返现合法吗？
简短回答：按通常宣传的那种做法，不合法。因为消费者购买或续保而给他任何有价之物，就是返佣，各州保险法中的反返佣条款几乎全都禁止。下面是推理过程、两个例外州，以及监管机构已经明确否定的那种“绕道”结构。
直接结论
比价网站不能因为你买了保险而付钱给你。
- 除加州和佛州外，各州都以成文法禁止返佣，且多数条文覆盖“直接或间接”给予的诱导性利益。
- 加州和佛州允许，但许可对象是作为保单在册代理人的持牌代理或经纪人，并附有备案与统一性条件。
- 把钱从非保险关联公司走一遍无效。马萨诸塞州保险局 2024-06 号公告禁止的正是这种结构。
“返佣”到底指什么
返佣是指给买方任何未写入保单的有价之物，作为购买或续保的诱导。最典型的形式是把佣金退一部分给客户。这个定义刻意写得很宽，因为它的目的是防止保险公司和代理人靠私下让利竞争，而不是靠备案费率竞争。
正因为这个立法目的，禁令不会只限于现金、只限于代理人、或只限于成交那一刻。
非现金利益也算
礼品卡、实物、免手续费、代付验车费、代垫免赔额，全都属于“有价对价”。佛州把与成交无关的宣传赠品上限定在每人每年 100 美元，就是因为不划线这条界线会彻底消失。
间接支付也算
法条禁止“直接或间接”支付、允许或给予任何返佣或诱导。由营销合作方从自己的佣金里出钱，就是间接诱导。
成交之后付也算
北卡的条文明确覆盖“作为保险的诱导，或在保险已生效之后”给予的对价。承保三十天后再打款，仍然在禁止范围内。
买方同样违法
包括北卡在内的多部法律，把被保险人明知而收受返佣也定为违法行为。所以“大家都这么干”不能作为抗辩。
两个例外州，以及它们究竟允许什么
加州和佛州都允许佣金返还，但都不允许一个网站来做，因为这个许可写给了承保该风险的持牌代理人。
CA 加州：允许代理人、经纪人返佣
保险法第 750 条规定，“任何人”为保险客户的介绍或招揽而提供或收受对价即构成犯罪；但 (d) 款明确，本条不适用于依 103 号提案获准由保险代理人或经纪人返还佣金的情形。豁免对象是持牌代理人。不是保单在册代理人的发布网站，不在豁免范围内。
Cal. Ins. Code § 750(d); Proposition 103
FL 佛州：允许，但必须同时满足六个条件
佛州并不禁止“保险代理机构的代理人”返佣，但返还必须同时满足以下全部条件。
- 同一精算类别下的所有被保险人，都能享受该返佣。
- 返佣符合代理人向承保该保单的保险公司备案的返佣方案。
- 统一适用：通过该代理人购买同一保单、同等保额的人，返还比例相同。
- 不得对来自禁止代理人返佣的保险公司的保单给予返佣。
- 返佣方案须在代理人营业场所醒目位置公示，并可应要求免费提供副本。
- 返还比例的确定，不得使用年龄、性别、居住地、种族、国籍、民族、婚姻状况、职业或风险所在地等因素。
Fla. Stat. § 626.572; § 626.593
走不通的结构：通过营销关联公司付款
最直觉的绕法是让一家独立的营销公司来付钱，而不是由代理人付。马萨诸塞州在 2024 年堵掉了这条路，而且这个推理可以推广。
保险公司或代理人不得允许其关联的非保险实体，提供以购买保险为条件、或以诱导购买保险为目的的付款、减免或折扣。该禁令适用于任何提供未载明于保险合同中任何有价之物的计划、方案或方法。
该公告自己举的例子是：航空公司在结账时向购买旅行险的旅客赠送常旅客积分。比价网站用联盟佣金给用户返现，是同一笔交易换了个 logo。可以预期其他州会采用同样的推理，因为底层法条本来就写着“直接或间接”。
M.G.L. c. 176D, § 3(8); Massachusetts Division of Insurance Bulletin 2024-06
硬做会有什么后果
这个风险不是理论上的，而且分布极不对称：监管风险主要落在保险公司和代理人头上，所以他们宁可终止联盟合作，也不会替合作方辩护。
加州
保险法第 750(b) 条：首次定罪可处县监狱不超过一年，或依刑法第 1170(h) 条收监，或并处不超过 5 万美元罚金；第二次及以后定罪，收监并处罚金 5 万美元。
其他州
依各州不公平交易法发出停止令并处罚款；涉事代理人被吊照或撤销执照；保险公司被启动市场行为检查；联盟账户被终止并追回已付佣金。另外，联邦贸易委员会把“承诺的奖励不兑现”认定为 FTC 法第 5 条下的欺骗性行为，可按次计罚。
逐州对照表
可按州名或州代码筛选。带勾号表示该条依据是直接从法条或部门公告读到的；没有勾号的条目给出的是通行规则，采用前请向该州保险局确认。
| 州 | 规则 | 法律依据 |
|---|---|---|
| Alabama AL | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Alaska AK | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Arizona AZ | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Arkansas AR | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| California CA | 仅持牌代理人 ✓ |
Cal. Ins. Code § 750(d); Proposition 103 (1988) 条文怎么说§ 750 makes it a crime for "any person" to pay or accept consideration for the referral or procurement of insurance clients, but § 750(d) carves out "the rebating of commissions by insurance agents or brokers, as authorized by Proposition 103". The carve-out runs to the licensed agent or broker on the risk. A publisher that is not the agent of record is not inside it. |
| Colorado CO | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Connecticut CT | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Delaware DE | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| District of Columbia DC | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Florida FL | 仅持牌代理人 ✓ |
Fla. Stat. § 626.572; § 626.593 条文怎么说Permitted for an "insurance agency agent", but only if all six conditions in § 626.572(1) are met: the rebate is available to every insured in the same actuarial class, follows a rebating schedule filed with the insurer, is applied uniformly, is not paid on a policy from a carrier that forbids agent rebating, is posted publicly in the agent's place of business, and ignores age/sex/race/residence/occupation. § 626.593 additionally requires rebating the full commission within 30 days where a separate fee was charged. |
| Georgia GA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Hawaii HI | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Idaho ID | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Illinois IL | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Indiana IN | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Iowa IA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Kansas KS | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Kentucky KY | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Louisiana LA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Maine ME | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Maryland MD | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Massachusetts MA | 禁止 ✓ |
M.G.L. c. 176D, § 3(8); Division of Insurance Bulletin 2024-06 条文怎么说Bulletin 2024-06 closes the exact loop an affiliate site would try to walk through: an insurer or producer may not let an "affiliated non-insurance entity" offer payments, reductions or discounts contingent on buying insurance. Its worked example is an airline awarding loyalty points for buying travel insurance at checkout. A cash-back offer funded by affiliate commission is the same structure. |
| Michigan MI | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Minnesota MN | 禁止 ✓ |
Minn. Stat. § 60K.48, subd. 1-3 条文怎么说An insurer or producer may not pay "commission, service fee, brokerage, or other valuable consideration" to an unlicensed person for selling, soliciting or negotiating insurance, and the unlicensed person may not accept it. Subd. 3(b) permits paying entities that do not sell or solicit, but only "unless the payment would constitute an illegal rebate". |
| Mississippi MS | 禁止 ✓ |
Miss. Code § 83-54-23 条文怎么说Prohibits rebates of premium and "other inducements", and separately bars paying a commission to "a person, including a creditor, who is not appropriately licensed as a producer in this state". |
| Missouri MO | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Montana MT | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Nebraska NE | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Nevada NV | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| New Hampshire NH | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| New Jersey NJ | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| New Mexico NM | 禁止 ✓ |
N.M. Stat. § 59A-16-16 条文怎么说Lists the narrow practices that are *not* treated as rebates — policyholder dividends, payroll-deduction savings, large-amount rate reductions and similar. A commission share paid to a buyer is not on the list. The 2021 amendment added value-added products/services to the exception set, which is the one route worth exploring with counsel. |
| New York NY | 禁止 |
N.Y. Ins. Law § 2324 条文怎么说Bars any "rebate of premium payable on the contract" or "any special favor or advantage in the dividends or other benefits" and any valuable consideration not specified in the policy. Applies to insurers, agents and brokers; the standard reading also reaches anyone acting in concert with them. |
| North Carolina NC | 禁止 ✓ |
N.C. Gen. Stat. § 58-33-85 条文怎么说Prohibits paying or giving, directly or indirectly, as an inducement to insurance or after insurance has been effected, "any rebate, discount, abatement, credit, or reduction of the premium", or any valuable consideration not specified in the policy. The insured who knowingly accepts is equally in violation. |
| North Dakota ND | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Ohio OH | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Oklahoma OK | 禁止 ✓ |
36 O.S. § 1204(8)(a); OID Bulletin 2025-01 (17 Jan 2025) 条文怎么说The bulletin was issued specifically because producers were negotiating the return of commissions to win accounts. It states that returning any portion of a commission to secure business, "regardless of how that returned commission is to be used", is rebating and violates the unfair trade practice laws. |
| Oregon OR | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Pennsylvania PA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Rhode Island RI | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| South Carolina SC | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| South Dakota SD | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Tennessee TN | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Texas TX | 禁止 |
Tex. Ins. Code ch. 541 (unfair methods of competition); § 541.061 条文怎么说Rebating is treated as an unfair method of competition and a misrepresentation of the policy. TDI enforcement is complaint-driven, which in practice means a single competitor tip starts the file. |
| Utah UT | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Vermont VT | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Virginia VA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Washington WA | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| West Virginia WV | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Wisconsin WI | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
| Wyoming WY | 禁止 |
State anti-rebating statute (unfair trade practice / NAIC Model #880 lineage) 条文怎么说The state insurance code prohibits paying or offering, directly or indirectly, any rebate of premium or any valuable consideration not specified in the policy as an inducement to buy or renew. Confirm the current text with the state department of insurance before relying on this row. |
本表是筛查工具，不构成法律意见。法条会改，执法重点变得比法条更快。
网站合法可以做什么
下面四条，是把奖励计划留在合法一侧的条件。我们自己的计划就是按这四条搭的。
- Points must not be contingent on buying insurance — The moment a reward is conditioned on a policy being bound, it becomes an inducement and the anti-rebating analysis applies. Earn events must be things the member can complete without buying anything: submitting a premium observation, running a calculator, referring someone who registers. If a member could earn the same points without ever buying a policy, the offer is not an inducement.
- Never promise a reward you will not pay — The FTC treats "falsely claiming that consumers who enroll will receive free offers, cash rewards, rebates, or other incentives" as a deceptive practice under § 5 of the FTC Act, with civil penalties that run per violation. A rewards page is a promise. Fund the liability before you publish it, and publish the payout terms (minimum, timing, expiry) in the same place the promise is made.
- Affiliate programme terms override your own — Nearly every CPA network and carrier prohibits "incentivized traffic" — paying the user to convert. Points for using a calculator are fine. Points for clicking a partner link are not, and will get the account terminated and the commissions clawed back. Check each partner record's notes before you attach it to a reward.
- Report the payouts — Rewards redeemed for cash or gift cards are generally taxable income to the recipient in the US. Track the value delivered per member per calendar year; issue Form 1099-NEC or 1099-MISC once the total crosses the reporting threshold, and collect a W-9 before the first cash-equivalent payout.
大家真正会问的问题
Can a website pay me cash back after I buy insurance through it?
Not if the payment is conditioned on buying the policy. That is rebating, and every state except California and Florida prohibits it outright. In California and Florida the permission belongs to a licensed agent or broker acting as agent of record, not to a comparison site or lead generator.
What if the money comes from the website and not from the insurer?
The source does not matter. The statutes reach anything paid "directly or indirectly" as an inducement. Massachusetts Division of Insurance Bulletin 2024-06 addresses this exact structure: an insurer or producer may not let an affiliated non-insurance business offer payments or discounts contingent on buying insurance, and its worked example is loyalty points awarded at checkout.
Is a gift card different from cash?
No. A gift card is "valuable consideration". Most states also cap promotional gifts that are not tied to a sale at a nominal amount — Florida, for instance, caps them at $100 per person per year under § 626.9541 — and a payment that only appears once a policy is bound is not a promotional gift.
What can a site lawfully give me?
Things that do not depend on buying a policy: free calculators, comparison data, guides, alerts, and rewards for contributing information or referring other readers. A programme that pays you for a premium observation you submit, whether or not you buy anything, is not an inducement because you can earn the same amount without ever buying.
What are the penalties?
They vary. California Insurance Code § 750 makes a violation a crime punishable by up to a year in county jail and a fine of up to $50,000, or both; a second conviction carries up to $50,000 and imprisonment. Elsewhere the usual outcome is a cease-and-desist order, fines under the unfair trade practice act, licence suspension or revocation for the producer, and market-conduct scrutiny for the carrier.