Rates filed with and approved by a regulator may not be challenged as unreasonable in a damages action. The doctrine applies to federal and in many jurisdictions state regulatory filings.
It bars damages rather than all relief.
Alternative Names:
Filed Rate|Keogh Doctrine
Why it Matters?
The doctrine bars damages claims but not necessarily injunctive relief, and applies regardless of whether the regulator actively reviewed the filing, which makes it a categorical defense in regulated industries including insurance, energy, and telecommunications. Determining whether the challenged rate was actually filed and whether the applicable regulatory scheme triggers the doctrine is the threshold analysis.
Frequently Confused with
Related terms
Frequently asked questions
Does the doctrine require active regulatory review?
What relief remains available?
