What authority does the Commissioner of Insurance have in terms of making laws?

The Commissioner of Insurance in North Carolina operates primarily as an administrative authority and does not have the power to create new laws in the way a legislative body does. Instead, the Commissioner's role includes the ability to promulgate administrative rules and regulations to implement existing laws, which is what makes this choice accurate.

Promulgation involves creating specific guidelines and rules within the framework of laws already established by the legislature. This ensures that the laws are applied effectively and address the practical complexities of the insurance industry in North Carolina.

The other choices reflect powers that the Commissioner does not possess. For instance, creating new laws would require legislative authority, which is beyond the scope of the Commissioner's duties. Likewise, while the Commissioner plays a vital role in enforcing existing laws, this does not extend to amending those laws or enforcing them without restrictions. The enforcement of laws must adhere to legal frameworks and regulations. Therefore, the role is focused on administrative functions rather than legislative powers.