Theoretically, every car-insurance policy holder could switch carriers a couple of times a year, because most policies have six-month terms.

FORBES: Car Insurers Lose Traction Despite Deluge of Advertising

This is -- the memo that was sent out today to U.S. attorneys simply adds guidelines to a decision that Attorney General Holder talked about in mid-March, and has been administration policy since the beginning of this administration in January.

WHITEHOUSE: Press Briefing