Power sources.(Nongovernmental organizations)(rules governing property and casualty insurance industry, securities industry and rating agencies (Securities))(Brief article)

Nongovernmental organizations wield de facto authority, often channeled through government agencies.

FINANCIAL INDUSTRY REGULATORY AUTHORITY (www.finra.org)

Formerly the National Association of Securities Dealers (NASD), FINRA, created in July 2007, is the largest nongovernmental regulator for all securities firms doing business in the United States, overseeing nearly 5,100 brokerage firms, about 173,000 branch offices and more than 669,000 registered securities representatives.

FINANCIAL ACCOUNTING STANDARDS BOARD (www.fasb.org)

Maintains generally accepted accounting principles used by publicly traded companies. Generally, filings with the …