Transcript Highlights:

• should have given a little bit more of the background, so in with the Federal No Surprises Act of 2022
• In the Federal No Surprises Act of 2022, patients are held harmless when they're out of network, and
• expressly authorizes personal representatives to initiate enforcement proceedings under the probate code
• authorizes protected cell captive insurers to be domiciled in Florida, using Tennessee's law and the NAIC
• The NAIC has a model act dating back to, I think, 2002.

Summary: The Senate Committee on Banking and Insurance met with a quorum present and heard a full agenda of bills, most of which were reported favorably. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and passed without objection after supportive testimony from banking and credit union groups. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program; the sponsor described it as a way to move emergency out-of-network payment disputes away from costly litigation and into an independent dispute resolution process modeled on the federal No Surprises Act. A proposed amendment drew significant questions from senators and concerns from the Florida Insurance Council about confusion over state versus federal eligibility and possible effects on contracted rates, and the sponsor ultimately withdrew the amendment. The underlying bill was then supported by health care and insurance stakeholders and reported favorably. SB 684 on electronic signatures for total loss vehicles and vessels also passed, with Progressive Insurance waiving in support. The committee next approved CS/SB 158 on pet insurance, which requires continuing education for agents, clearer consumer disclosures, and annual reporting to OIR; the amendment was technical and adopted. SB 1494 on breast cancer screening coverage was presented as expanding required coverage for mammograms and supplemental screenings for certain insurance products, and it passed with support from cancer and radiology groups. CS/SB 314 on digital asset issuers was amended to create a Florida framework for payment stablecoin issuers consistent with the federal GENIUS Act, allowing state-level regulation as an alternative to federal supervision, and was reported favorably. SB 1500 on uncontested probate proceedings, including higher small-estate thresholds and clearer authority for personal representatives, also passed after a banking-related amendment requiring letters of administration for safe deposit box access was adopted. Later, the committee approved CS/SB 618 on workers’ compensation insurance, which raises the consent-to-rate cap for workers’ comp policies from 10% to 20% and adjusts the Florida Workers’ Compensation Guarantee Association board membership; a carrier representative testified that the change would help keep more high-risk accounts in the voluntary market. CS/SB 1568 on a Florida Stable Coin Pilot Program was amended to remove authority for DFS to create a Florida coin, limit the pilot to existing stablecoins with at least $1 billion market capitalization, and require qualified public deposit handling; it then passed. CS/SB 838 on electronic payments for retail installment contracts clarified that convenience fees for electronic payments are permissible while preserving a fee-free option, and it was reported favorably after questions about consumer access to free payment methods. SB 1452, the Department of Financial Services agency bill, made a wide range of administrative changes affecting My Safe Florida Home, unclaimed property, licensing, bail bonds, and other DFS functions; a late-filed amendment on title insurer appointments was adopted, and the bill passed. The committee also approved SB 1706 on the My Safe Florida Condominium Pilot Program, targeting condo hardening assistance to owner-occupied units meeting income and occupancy criteria, and SB 990 on protected cell captive insurance companies, which the sponsor and industry witnesses said would modernize Florida law and promote insurance competition and economic activity. The meeting ended with all bills on the agenda reported favorably and the committee adjourning without objection.

Transcript Highlights:

• This is model language coming from the National Association of Insurance Commissioners, or NAIC, with
• These changes must be adopted by January 1, 2026, for Minnesota to meet NAIC accreditation standards.
• <00:49:25.079> with insurance Commissioners or NAIC with insurance Commissioners or NAIC with
• <00:50:01.440> accreditation Minnesota to meet NAIC accreditation Minnesota to meet NAIC accreditation
• The legislation also contains NAIC model law regarding long-term care.

Keywords: 1187, senate, all

Transcript Highlights:

• The beauty of our tax code has always been we have a broad base.
• NAICS codes. So it goes down pretty specific.
• Within the health care industry, there's probably two to three dozen NAICS codes just within health care
• A lot of times, people paying the GRT might roll up to three or two-digit NAICS codes if all of their
• We looked at and identified the NAICS codes that would be impacted by these new deductions and then tried

Bills: HB241, HB267, HB467, HB673, HB744, HB798, HB1026, HB1027, HB1091, HB1096, HB1103, HB1212, HB1230

Keywords: financial records, consumer protection, banking law, disclosure, service of process, home inspectors, board membership, licensing, term limits, Louisiana State Board, residential roof, coastal zone, fortified roof, building standards, construction code, insurance, hurricane resilience, safety, security cameras, abandoned property

Bills: HB461, HB467, HB522, HB565, HB673, HB799, HB917, HB937, HB956, HB977

Keywords: building codes, construction standards, state uniform construction code, local option, municipal ordinance, parish ordinance, resilient construction, FORTIFIED Home, IBHS, Insurance Institute for Business & Home Safety, hurricane resistance, storm resilience, roof replacement, residential construction, certificate of occupancy, code enforcement, building resilience, home hardening, wind mitigation, residential roof

Transcript Highlights:

• codes or E&M codes, usually preventive codes or E&M codes, which<01:31:59.760> the<01
• Do they have uniform billing code? They use the same billing codes. a knee.
• to align codes, but we codes trying to align codes, but we never<03:39:15.840> seem<03:39:16.200
• services were for billing those codes. services were for billing those codes.
• because they don't even have the codes. because they don't even have the codes.

Keywords: 928, house, all

Summary: The committee held a public hearing on Senate Bill 562, which would create a home damage mitigation and resilience grant program aimed at helping homeowners make property improvements that could reduce insurance costs and non-renewals. Commissioner DJ Bettencourt of the New Hampshire Insurance Department explained that the program is modeled in part on Alabama’s safer homes program, but tailored for New Hampshire hazards such as floods, microbursts, heavy snow, ice, and falling trees. He said the grants would be limited to primary residences, subject to a means test, capped at $10,000, and intended to help homeowners make targeted improvements such as roof fortification or tree removal that could improve underwriting outcomes and lead to premium discounts. Bettencourt said the program would not use state taxpayer funds and would instead rely on philanthropic donations, possible federal or regional housing-bank funding, and other outside sources. He said the department would not need new staff, and that a current position could be reconfigured to help administer the program part-time. Committee members asked about the funding language, the meaning of “loans” in the bill, whether there were any other states using a similar no-state-funds model, and how many homeowners could be helped. Bettencourt said Rhode Island and Connecticut were moving forward in a similar way, and that the number of beneficiaries would depend on how much money is raised. Members also questioned how the grant program would actually lower premiums, whether savings would apply only to participants or more broadly, and how the IBHS evaluation process would work. Bettencourt and department staff said the direct benefit would be to the homeowner whose property is improved, though neighbors could also benefit in some cases. They explained that IBHS is a building-safety organization that certifies contractors and inspectors and that its standards can qualify homes for insurer discounts. Questions were also raised about confidentiality provisions, first-come-first-served grant awards, rollover of unused applications, and possible tax treatment of donations. The sponsor said those details would be addressed through rulemaking or existing tax rules, and no vote was taken during the hearing.

Transcript Highlights:

• This is another NAIC Model Act. This makes modifications to Chapter 60D.
• It includes some repealers related to outdated fire safety codes. And that's that.
• NAIC model law for limited long-term care.
• This is an NAIC model law that would allow companies to sell long-term care policies that provide coverage
• These changes must be adopted by January 1, 2026, for Minnesota to meet NAIC accreditation standards.

Bills: HF1545, HF2426, HF1615, HF2403

Keywords: medical cannabis, cultivation, cannabinoid products, plant canopy, Minnesota statutes, cannabis, hemp, lower-potency, edibles, regulations, licensing, local control, consumer safety, age restrictions, commerce policy, financial institutions, insurance regulation, limited long-term care insurance, Medicare supplement, health insurance

Transcript Highlights:

• prepared each interim to non-substantively codify laws that should be included in previously enacted codes
• Codes, to confirm the codes to the source law from which they were derived, and revise codes as parts
• of codes enacted during the preceding legislative session to incorporate enactments of that session
• Similar to the bill that Senator Kolkhorst just laid out, this is a code update from Legislative Council
• This bill is the update to the Code of Criminal Procedure.

Bills: HCR75, HCR93, SB644, SCR2, SCR17, HB2703, HCR92, HCR7, HCR126, HB1615, HB1610, HB1620, HCR86, HCR7

Keywords: Hemphill, bass fishing, tourism, state recognition, conservation, recreational activities, Nacogdoches, Garden Capital, public gardens, sustainability, horticultural heritage, hospice, palliative care, awareness day, healthcare, patient care, state regulation, taxation, education, local authority

Transcript Highlights:

• Is that late 2022 or early 2023? But here now, drop right? Okay.
• Was that in the 2022 tax year or 2023?
• There was a recent federal NAICS code revision that has changed the way we estimate this, and now we're
• Healthcare deductions are among the largest in the tax code.
• Appendix 2, as well, goes into some of the NAICS codes, the gross receipts, and how much is deductible

Transcript Highlights:

• And then the NAIC also consults with the states to help them come up with the correct number depending
• The NAIC... ...helps them come up with that amount.
• In 2022, it was more like 20% plus of the mortgage cost.
• Texas insurance code has never enforced insurance providers to pay for all adverse consequences of a
• Insurance coverage is, of course, important, but it also implies the creation of insurance codes for

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• We work together with the NAIC, which is the National Association of Insurance Commissioners.
• We bundled the program with mandated wind mitigation discounts and strong building codes in our coastal
• It came out in June of 2022. Very common sense, and we urge an aye vote. Thank you.
• Between 2020 and 2022, the cost of insurance for affordable housing providers increased by 56% on average
• From 2022 to 2024, organizations reported insurance expense increases ranging from 50% to 500%.

Summary: The Assembly Insurance Committee met to consider several bills focused on California’s insurance market, wildfire resilience, and consumer protections. AB 888, the California Safe Homes Act, was heard first. Insurance Commissioner Ricardo Lara and Alabama Insurance Commissioner Mark Fowler testified in support, describing state grant programs that help homeowners harden roofs and create defensible space, with the goal of reducing losses and improving insurance affordability and availability. Supporters from the insurance industry, local government, and the Rebuild Paradise Foundation also backed the bill, and committee members emphasized the need for more incentives for mitigation. The bill passed the committee on a do pass motion and was sent to Appropriations. AB 290, by Assemblymember Bauer-Kahan, would require the FAIR Plan to offer automatic payments and address non-renewal grace-period issues. The author described her own experience being forced onto the FAIR Plan and facing a large premium increase, while Consumer Federation of California called the bill common-sense consumer protection. The FAIR Plan opposed unless amended, saying it was already handling major wildfire claims and other operational demands and requested more time and changes to the non-renewal grace-period language. Members across the committee supported the bill as a needed modernization measure, and it passed as amended to Appropriations. AB 1339, by Assemblymember Gonzalez, would direct the Department of Insurance to study insurance availability and pricing for affordable housing providers and report policy recommendations. Supporters from affordable housing organizations said rising premiums were forcing providers to cut services, defer maintenance, and use reserves, threatening housing stability for low-income residents. The bill passed as amended to Appropriations. AB 646, by Assemblymember Wallace, also passed to Appropriations; it concerns disclosure related to motor vehicle protection products and catalytic converter theft deterrence, with support from auto dealers and industry groups. The committee also approved AB 1531 on consent. Members later added on to the record in support of the bills, and the hearing concluded without recorded opposition votes on the measures that advanced.

Transcript Highlights:

• The third provision is NAIC model law.
• The changes must be adopted by January 1, 2026, for Minnesota to meet NAIC accreditation standards.
• model law this was is being amended NAIC model law this was is being amended under<00:04:12.200>
• <00:05:05.720> accreditation Minnesota to meet NAIC accreditation Minnesota to meet NAIC accreditation
• There is some boilerplate language in the NAIC model law around confidential data.

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Bills: SB23, SB71, SB105, SB109, SB115, SB131, SB148, SB165

Keywords: law enforcement, taser, restrained individuals, police procedures, civil rights, income tax, tax exemption, Alabama tax code, Section 40-18-3, civilian employees, Department of Defense, DoD, Armed Forces, military pay, combat zone, deployment, National Guard, Reserve components, emergency response, federal employees

Transcript Highlights:

• They don't know building codes.
• They don't know building codes.
• They don't know building codes.
• They don't know building codes.
• They don't know building codes.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:11 Discussion HB 527 00:02:29 Vote HB 527 00:08:02 Discussion HB 627 00:09:09 Vote HB 627 00:24:29 Discussion HB 355 00:25:59 Vote HB 355 00:34:28 Discussion HB 568 00:35:18 Vote HB 568 01:12:10, 958, all

Summary: The committee first took up House Bill 527, a cleanup bill related to insurance matters and the Strengthen Kentucky Homes program. The committee substitute removed language that would have repealed the workers’ compensation deductible range, added a one-time grant/reimbursement provision for contractor fortified-roofing certifications, and added an emergency clause. The Department of Insurance said the bill also updates licensing language, addresses issues with unlicensed pharmacy benefit managers, and supports contractor training tied to the roof grant program. The commissioner noted the program is set to go live March 1 and asked members to inform constituents about possible roof grants of up to $10,000. House Bill 527 received a favorable report after the committee adopted the substitute and title amendment by voice vote and then approved the bill on a roll call vote. The committee then heard House Bill 627, a PIP reform bill. The sponsor and State Farm’s legislative agent said the substitute clarified language so the Attorney General can prosecute insurance fraud and reflected negotiations with hospitals, the Kentucky Hospital Association, the Kentucky Justice Association, chiropractors, and physical therapists. The bill would apply the workers’ comp fee schedule to most PIP claims, require bills within 180 days, prohibit balance billing and credit impairment, raise funeral benefits to $5,000 and weekly wage benefits to $500, require an annual fraud report, and give the Attorney General concurrent jurisdiction over insurance fraud cases. A physician testifying in opposition argued the bill would cut reimbursement for non-hospital providers, shift costs to hospitals and other payers, reduce access to care, and create an uneven playing field that favors hospitals. Committee members asked about the lack of a PIP fee schedule and the effect of the workers’ comp schedule relative to Medicare and commercial insurance. After debate, the committee adopted the substitute and then passed House Bill 627 with favorable expression on a roll call vote, with one member voting no. The committee also considered House Bill 355 on real estate appraisers. The sponsor said the bill would restore an independent board, allow evaluations under federal guidelines, and move Kentucky from a voluntary to a mandatory appraisal state. Testimony from insurance and appraisal representatives said the bill would require licensure for real property damage appraisers, exempt insurance agents and claims adjusters licensed under the insurance code, and create clearer standards and oversight. Members asked about the cost of an executive director and whether the board could sustain itself through fees; the sponsor said the board had historically been self-sustaining. The committee adopted the substitute and then gave House Bill 355 a favorable report by roll call vote. Finally, the committee began House Bill 568, which would prohibit new public adjuster licenses while allowing current licensees to renew. The sponsor said the bill responds to ongoing complaints and investigations in the industry and noted that most licensed public adjusters in Kentucky are not residents of the state. The transcript cuts off as the bill’s presentation was beginning.

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=nz8uTeusKDc, 2026-06-21T07:17:01+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00 Roll Call: 00:05 SB 105 Discussion: 01:20 SB 105 Roll Call Vote: 08:16 SB 173 Discussion: 09:15 SB 173 Roll Call Vote: 10:56 SB 178 Discussion: 12:01 SB 178 Roll Call Vote: 13:58 SB 68 Discussion: 15:20 SB 68 Roll Call Vote: 18:22 SB 66 Discussion: 19:25 SB 66 Roll Call Vote: 28:25 SB 276 Discussion: 31:44 SB 276 Roll Call Vote: 36:23 2022 Social Services Block Grant Review: 37:38, 958, all, 2.2.42, 2.1.47

Transcript Highlights:

• It's because they're too saturated in the zip code.
• Therefore, we're just not writing in your zip code or something."
• That data did not include one data point, which was zip code level. Data on non-renewals.
• code?
• This was back in 2022 and 2023, where the plan that we...

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• As I told them back in 2022, we wouldn't be able to afford once the federal government stopped paying

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

Bills: HB213, HB136, HB182, HB213, HB136, HB182

Keywords: HB213, Calhoun County, board of registrars, registrar compensation, county commission, local legislation, election administration, county general fund, expense allowance, officeholder compensation, public officials pay, county election officials, Alabama Code 45-8-110, Teacher's Retirement System, TRS, DROP, Deferred Retirement Option Plan, retirement benefits, teacher retirement, classroom teacher

Bills: HB3091, HB3314, HB3435, HB3748, HB3913, HB3919, HB4132, HB4203, HB4303

Keywords: county officials, residency requirement, dereliction of duty, removal process, government accountability, marijuana tax, public service impact tax, county funding, voter approval, local government, municipal bonds, ballot proposals, voting process, fund allocation, county government, administration, local resources, public institutions, construction, maintenance

Transcript Highlights:

• Energy Information Administration report for Minnesota from 2021 to 2022, electrical outage durations
• This was without the influx of ... during 2022<00:04:26.199> uh<00:04:26.400> protecting
• :04:27.120> as<00:04:27.240> a<00:04:27.360> fuel<00:04:27.639> source 2022
• uh protecting it as a fuel source 2022 uh protecting it as a fuel source option<00:04:28.360> for
• <00:05:21.280> electrical Minnesota from 2021 to 2022 electrical Minnesota from 2021 to 2022

Bills: HF484, HF483, HF1447, HF1496, HF554

Keywords: natural gas, gas hookups, residential construction, energy policy, local control, state preemption, municipal regulation, county ordinance, electrification, climate policy, housing development, building codes, energy source, utility infrastructure, Minnesota Statutes chapter 326B, propane, utility service, building permits, local government, energy choice