The industry appears to be equally divided on OFC. Two major trade associations have come out in support of it and two major trade associations against. The largest insurance agents’ group opposes it, but a new group with heavy support from life insurance agents supports it. Insurance companies themselves are roughly equally divided and some who support it in principle seem much more enthusiastic about it than others. Many parties who oppose it see correctly that the more competitive environment of an OFC would erode their profits and market shares. Congress, however, should take into account the interests of consumers, not just those of insurers.