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ACTBullishCorporate Developmentsnews

High materiality7/10

ACT expands CRT program with 35% quota share reinsurance on 2028 new mortgage insurance

Oct 1, 2026, 4:37 PM EDT1 sourcesAI-analyzed

Why it may matterVerify against the original reporting

Expansion of risk-transfer arrangements can improve ROE and risk-based capital metrics; near-term cash flow impact is limited since the 2028 period is two years out.

AI summary

What happened, with direct paths to the underlying reporting

Enact Holdings announced a quota-share reinsurance agreement through its Enact Mortgage Insurance Corporation, transferring about 35% of a portion of expected new insurance written for 2028 to highly rated reinsurers. The move advances its CRT program and risk-management framework, potentially lowering capital strain and smoothing earnings over time, while reinforcing portfolio resilience amid evolving mortgage risk dynamics.

Enact to cede ~35% quota share on 2028 new insurance.
Reinsurers rated A-/A by S&P or A.M. Best, or A3 by Moody's.
CRT program advancement and risk management strategy.
Effective 2028 period: Jan 1 to Dec 31, 2028.

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ACT expands CRT program with 35% quota share reinsurance on 2028 new mortgage insurance

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