Title II, SEC. 2323. REQUIREMENTS RELATING TO PREMIUMS. (a) In General. The Secretary, after considering (where appropriate) recommendations of the Advisory Council, shall promulgate regulations establishing requirements applicable to premiums for long-term care insurance policies, which shall include at a minimum the requirements specified in this section. (b) Limitations on Rates and Increases. The Secretary, after considering recommendations of the Advisory Council, may establish by regulation such standards and requirements as may be determined appropriate with respect to (1) mandatory or optional State procedures for review and approval of premium rates and rate increases or decreases; (2) limitations on the amount of initial premiums, or on the rate or amount of premium increases; (3) the factors to be taken into consideration by an insurer in proposing, and by a State in approving or disapproving, premium rates and increases; and (4) the extent to which consumers should be entitled to participate or be represented in the rate-setting process and to have access to actuarial and other information relied on in setting rates.