Director of Investigations and Consumer Protection
John Hornback joined the Mississippi Insurance Department in 1999. He is a native of Yazoo City and a 1998 graduate of Delta State University with a Bachelor of Science in Criminal Justice. Prior to joining the MID, John worked for the Mississippi Secretary of State’s Office in the Enforcement Division. He is a member of the Association of Certified Fraud Examiners and holds the Certified Fraud Examiner (CFE) designation.
The Investigations and Consumer Protection Division is responsible for maintaining order in the Mississippi insurance market by reducing fraud and ensuring consumer protection for all Mississippi citizens.
Insurance fraud is one of the most costly white collar crimes in America. It affects every type of insurance and makes victims of all consumers by inflating premiums. The Division confronts the problem of insurance fraud through prevention initiatives and the investigation of fraudulent insurance acts in an effort to reduce the amount of premium dollars spent by Mississippi consumers.
Agent and insurance company fraud is investigated by the Division. The Division collects, coordinates and presents evidence to the MID legal staff for use in administrative hearings and to law enforcement agencies for use in the prosecution of criminal activities. The Division consults with staff attorneys and Special Assistant Attorneys General assigned to the Department to develop rules, regulations and guidelines to protect the consumer.