Anthony G. Cotto

Managing Associate
T 502.779.8143
F 502.581.1087
400 West Market Street
Suite 3200
Louisville, Kentucky 40202-3363

Tony has over a decade of experience in local and national politics and policy. Most recently, he represented state insurance departments in his role as Financial Policy and Legislation Counsel for the National Association of Insurance Commissioners (NAIC) from 2012 until joining Frost Brown Todd in 2016.

As counsel to the NAIC based in Washington, D.C., Tony represented the NAIC before Congress and Federal Regulatory bodies on all non-health insurance related laws and rulemakings, with a focus on financial regulations, Dodd-Frank implementation, and cybersecurity. He was the primary NAIC staffer responsible for representing state insurance regulators at the Bank Secrecy Act Advisory Group (BSAAG), Financial Banking Information Infrastructure Committee (FBIIC), and the Cybersecurity Forum for Executive and Independent Regulators. In addition, Tony provided technical and strategic counsel to association members and staff regarding: receivership, insolvency, market conduct, financial condition, producer licensing, anti-money laundering compliance, housing policy, and all other proposed federal legislation or agency rulemakings affecting insurance. Whether through legislative drafting, comment letters, or formal testimony, in his work at the NAIC, Tony ensured that insurance regulators' views were accurately presented to and heard by Federal decision makers.

Prior to joining the NAIC, Tony served as Counsel for the U.S. Senate Permanent Subcommittee on Investigations (PSI), where he advised ranking member Tom Coburn (R-OK) on legal and policy aspects of all the subcommittee’s efforts. Most notably, Tony served as the lead Republican staffer for PSI’s two-year investigation and report on the origins of the 2008 U.S. Financial Crisis and series of hearings on the 2010 Dow Jones “Flash Crash.” He also researched, drafted, and edited portions of Dr. Coburn's annual “Wastebook” and stimulus checkup reports on Federal expenditures connected to the American Recovery and Reinvestment Act.

Tony also has experience serving within the Executive Branch, where he began as an Attorney-Advisor at the U.S. Office of Special Counsel prosecuting federal whistleblower complaints. In 2007, President George W. Bush appointed him Associate Counsel at the U.S. Department of Commerce, where he led the Congressional Response Group as the primary political liaison between the department and oversight staff on Capitol Hill, in addition to advising the general counsel and her staff of 400 attorneys on all legal matters facing the department.

Tony's successful legislative and regulatory efforts have earned him four NAIC Star Awards, and for his role in the drafting and passage of the 2015 Policyholder Protection Act, Tony received a Diamond Award, the highest honor given to NAIC staff.

Highlights & Recognitions

  • Diamond Award, NAIC, 2016

Memberships & Affiliations

  • American Bar Association
  • The Federalist Society
  • Republican National Lawyers Association
  • America's Future Foundation

Civic & Charitable Organizations

  • Yale Club of Washington, D.C., Board of Directors (2005-2016)
  • Association of Yale Alumni - Alumni Schools Committee Student Interviewer

Non-FBT Publications and Events

Tony is a frequently sought speaker at insurance and financial services conferences for his “Washington Update” presentations. 

Other Contact Info



Alternate Office

Lexington Office
Lexington Financial Center, 250 West Main Street
Suite 2800
Lexington, Kentucky 40507-1749
T: 859.231.0000
F: 859.231.0011


Angie Gilkerson Gibson
T 502.779.8722