Transcript Highlights:

• So they're not department of insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance because the Department of Insurance does warranties, service agreements, and insurance.
• Insurance pays $1,000 of my hospital.

Bills: SB294, HB296, HB300, SB269

Keywords: public officers, bonding, risk management, notification, delinquency, consumer protection, rental home, marketplace guarantees, insurance, commissioner of insurance, healthcare, breast cancer screening, insurance coverage, deductible, copayment, emergency medical services, ambulance reimbursement, health care insurers, balance billing, provider networks

Transcript Highlights:

• H-5112 would prohibit life, long-term care, and disability insurers from engaging in that kind of discrimination
• How much of that is covered? Not 100% is covered. I have pretty good insurance.
• I guess my question is: the three basic types of insurance that I'm aware of are long-term care, life
• I know, for example, some insurance policies require a physical or other types of testing, but I'm just
• care insurance.

Bills: H5112, S2921, H4914

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance

Transcript Highlights:

• in the insurance commissioner's regulatory and fraud accounts at the close of a fiscal year the option
• This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
• of insurers, licensees, organizations, and others, and provisions on victim restitution.
• This is named after kind of a pioneer in the insurance industry.
• With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• But this bill was brought forward at the request of the Office of Insurance Commissioner, and I was more
• For the record, my name is Dori Nick Pond, testifying on behalf of the Office of the Insurance Commissioner
• in the regulatory investigations of the Office of the Insurance Commissioner.
• in the regulatory investigations of the Office of the Insurance Commissioner.
• Let's invite forward first from the Office of the Insurance Commissioner.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Summary: The committee heard public testimony on several insurance and consumer protection bills. On engrossed substitute Senate Bill 5928, staff and supporters described wildfire risk score and model disclosure requirements for homeowners whose policies are nonrenewed, canceled, or adversely affected by wildfire risk, along with insurer website disclosures about mitigation discounts and a process for consumers to request revised scores. The Office of the Insurance Commissioner, AARP, a mayor from Medical Lake, and a fire chief supported the bill as a transparency and consumer protection measure, while industry witnesses said the bill was heavily amended but still too regulatory and potentially costly, and some urged further technical changes. Members asked about how the bill interacts with mitigation efforts, the Fair Plan, and whether it would help consumers understand what actions could improve insurability. The committee also heard engrossed substitute Senate Bill 6031, which would create a standalone Class B felony for insurance fraud, expand the insurance commissioner’s fraud program, require reporting of certain suspected crimes affecting insurance, and address restitution in criminal cases. The Office of the Insurance Commissioner and AARP supported the bill as a response to organized fraud, but a criminal defense representative argued that part of the bill overlaps with existing misdemeanor insurance-claim fraud law and could create conflicting penalties and charging issues. Members asked about the 10-year statute of limitations and how it compares with other crimes. Substitute Senate Bill 6079, a wildfire mitigation grant program, was also heard. The bill would create the Strengthen Washington Homes Program to fund retrofits meeting IBHS wildfire-prepared standards and would bar insurers from using wildfire risk to disqualify properties that meet that standard. The OIC, fire commissioners, the prime sponsor, and AARP supported it as a way to reduce nonrenewals and help homeowners harden their homes, while insurance industry witnesses said they could support the grant program but wanted Section 7 removed because they believed it would interfere with underwriting. The committee also heard substitute Senate Bill 6248 on travel insurance, which would adopt a Washington Travel Insurance Act with licensing, disclosure, tax, and unfair trade practice provisions; the travel insurance industry supported it and said prior amendments had been incorporated. Finally, the committee took testimony on engrossed Senate Bill 5280, which would regulate virtual currency kiosks with daily transaction limits, fee caps, disclosures, receipts, and reporting requirements. The Department of Financial Institutions and the Attorney General’s Office supported the bill as a response to rising crypto-kiosk fraud, especially elder fraud, while some members questioned whether the limits were too restrictive for legitimate users and asked about enforcement, restitution, blockchain analytics, and whether stronger consumer protections should be added. Additional testimony from industry and consumer advocates was invited, but the hearing moved quickly because of the committee’s limited time.

Transcript Highlights:

• The insurance commissioner has enforcement authority and may take action and impose a fine of $50,000
• This is also an Office of the Insurance Commissioner request bill, and so I would be interested to look
• For the record, I am Rory Payne Donovan here on behalf of the Office of Insurance Commissioner, and first
• Any other questions for the Office of the Insurance Commissioner? No questions.
• And we would certainly like to participate with the Office of the Insurance Commissioner and further

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Summary: The Consumer Protection and Business Committee held public hearings on three Senate bills. SB 5831, the Uniform Mortgage Modification Act, was explained by staff as creating safe harbors so certain mortgage modifications would not affect lien priority or require re-recording; the prime sponsor said it would reduce uncertainty and legal costs. There was no public testimony or questions, and the hearing was closed. The committee then heard Substitute SB 6091, which would prohibit real estate brokers from marketing residential properties to an exclusive group of buyers or brokers unless the property is also concurrently marketed to the public. Staff noted changes from the House version, including removal of Washington Law Against Discrimination language and added clarification that public marketing does not require physical access to the property. The sponsor and supporters, including Zillow, Washington Realtors, Habitat for Humanity, and the Fair Housing Center, said the bill promotes transparency, fair housing, and equal access, while the Rental Housing Association raised a concern about the remaining reference to “lease” and asked for an amendment to avoid unintended application to some rental providers. Members asked several questions about how the bill would work for private marketing, rentals, and potential disparate impacts. Finally, the committee heard SB 6178, which would prohibit post-loss assignment of insurance benefits in property insurance contracts. Staff and the sponsor said the bill is intended to stop contractors from taking over homeowners’ insurance claims after disasters like wildfires, while preserving direct payment arrangements to contractors. The Office of the Insurance Commissioner supported the bill and described an increase in complaints, while also saying it was open to discussing the $50,000 penalty level; the National Insurance Crime Bureau and Washington State Association for Justice also supported the measure. Some members questioned whether the penalty should distinguish between good-faith and bad-faith conduct and whether a cooling-off period or existing consumer protection laws might address the issue. The committee closed the public hearing on SB 6178 and then on SB 6091, and ended the meeting with birthday recognition for two members.

Transcript Highlights:

• Please silence all of your electronic devices.
• provisions relating to certain online products and services used by minors and children, sponsored on behalf of

Bills: AB404, AB428

Keywords: brew pub, alcoholic beverages, liquor store, licensure, regulation, Department of Taxation, fertility preservation, breast cancer, ovarian cancer, oncology, reproductive medicine, infertility, cancer treatment, egg freezing, embryo freezing, oocyte cryopreservation, sperm banking, assisted reproductive technology, health insurance mandate, Medicaid

Transcript Highlights:

• > insurance</c><00:01:44.400><c> less</c> cost of overall insurance less cost of overall insurance less
• Um, so this isn't just this line of insurance that does this, but all lines of insurance. someone towards
• </c> department of commerce for fully insured department of commerce for fully insured market<00:13:22.160
• </c> does this but all lines of insurance. does this but all lines of insurance.
• </c><00:23:46.559><c> health</c><00:23:46.880><c> insurance,</c> out of health insurance, out of health

Bills: HF3388, HF400

Keywords: HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400

Transcript Highlights:

• Oklahomans pay some of the highest insurance premiums in the nation.
• Oklahomans pay some of the highest insurance premiums in the nation.
• Commissioner to be involved in insurance rates?
• It doesn't reduce the cost of the underlying insurance itself.
• people who are interested in being insurance agents in the state of Oklahoma.

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• Oklahomans pay some of the highest insurance premiums in the nation.
• It's some attorneys that do a lot of insurance litigation.
• Attorneys that do a lot of insurance litigation.
• Attorney General and not the Insurance Commissioner to be involved in insurance rates?
• Solely in the hands of the Commissioner, right?

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• liability insurance before entering the roadways.
• And, to be honest, I'm just tired of all the lies.
• If that's important to you, I'd start looking at the source of the information.
• I might run a bill next session that changes the State Chamber of Oklahoma to the out-of-state chamber
• on autos to be 70% instead of 60%.

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

Summary: The committee considered several bills and moved each one forward without opposition. Senate Bill 1684, presented by Representative Bayshore, would require highway remediation companies to carry at least $3 million in liability insurance before entering roadways to protect the public; it passed 6-0 and was recommended to the next committee. Senate Bill 378, also presented by Bayshore, would modernize the multi-county bail bonds statute by adding flexibility in writing capacity and strengthening financial oversight and transparency; it passed 6-0 and was recommended for the floor. Senate Bill 1447, presented by Representative Marti, would change requirements for the RFP for the state employee prescription drug plan. Marti used the presentation to sharply criticize the State Chamber and outside messaging about the bill, arguing the legislation would not raise drug costs and that similar laws in other states have produced savings; the bill passed 6-0. Senate Bill 1920, presented by Representative Tedford, would raise the salvage title threshold for autos from 60% to 70% to align more closely with neighboring states and avoid prematurely totaling vehicles; it passed 6-0 and was sent to the next committee. After a brief suspension, the committee took up Senate Bill 1443, presented by Representative Sneed on behalf of Chairman Chad Caldwell, which concerns anesthesia services. No questions or debate were raised, and the bill passed 6-0. The meeting then adjourned.

Transcript Highlights:

• the cost of insurance to the private sector in Texas employers.
• So there are. lot of different insurance plans, you've got sections of the law that create the teachers
• Costs of insurance, delay of care, you know, uh, making sure that patients get.
• and Insurance NABID for short, and we are in support of this bill.
• Insurance is the, health insurance is the one place where someone doesn't know what the cost of the item

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• It would give you a total picture of what you're trying to get at in terms of- of premium cost but also
• So the increase of insurance more to take care of an administrative fee you're talking about well I'm
• The form will be created by the Texas Department of Insurance with input from stakeholders.
• So anybody who would provide this type of insurance and I. can get you I have kind of a sample that Blue
• So House Bill 388 would require that a standardized form be created by the Texas Department of Insurance

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• cannot be a member of the insurance industry.
• Insurance coverage is, of course, important, but it also implies the creation of insurance codes for
• lack of access to health insurance.
• This bill doesn't create any new types of insurance or eliminate insurance.

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:

• solutions for reducing the high cost of windstorm insurance.
• I'm the treasurer of the Coastal Windstorm Insurance Coalition.
• We show you registered as Albert Betts, Executive Director of the Insurance Council of Texas.
• I represent the Insurance Council of Texas.
• The primary benefit of a group policy is the standardization of the insurance offering.

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:

• Up next, we're gonna call him out of the bullpen for this. One is Senate Bill 378.
• And to be honest, I'm just tired of all the lies.
• If that's important to you, I'd start looking at the source of the information.
• of State Chamber.
• Senate Bill 1920 is a government modernization of the bill that modernizes the Oklahoma Insurance law

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

Transcript Highlights:

• This is one of a series of those kinds of bills I'm bringing to you today in the aftermath of us changing
• So what we found is that because of the use of this writing, two neighbors with the exact same type of
• house could get charged wildly different insurance premiums solely Because of a credit score, meanwhile
• Has the insurance commissioner weighed in on this at all? Has he been a part of this?
• The insurance commissioner has been involved all the way back in 24.

Bills: SB1303, SB1343, SB1435, SB1438, SB1444, SB1641, SB1765, SB1916, SB2067

Keywords: workers' compensation, workers comp, Oklahoma Workers' Compensation Commission, Administrative Workers' Compensation Act, self-insurance guaranty fund, multiple injury trust fund, physician advisory committee, advisory council on workers' compensation, workers' compensation court, insurance, employer liability, self-insured employer, fund transfer, records transfer, agency reorganization, statutory cleanup, technical corrections, Title 85A, SB1343, Vision Plan Contractual Requirements Act

Transcript Highlights:

• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.
• DNR couldn't opt out of SEIP and go find other insurance.

Bills: HF3422, HF3461, HF2904

Keywords: state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave

Transcript Highlights:

• But Congress is recommending the adoption of the National Association of Insurance Commissioners group
• As a reminder, the NAIC, or the National Association of Insurance Commissioners, is an organization made
• , like internet providers and other aspects of insurance.
• Chair, Chair Hur, members of the committee, for the record, Aaron Cocking, Insurance Federation of Minnesota
• Number one, most people outside of those of us that would consider ourselves insurance nerds are not

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

Transcript Highlights:

• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• My name is Nicole Blissenmbbach, and I’m the commissioner of the Department of Labor and Industry.

Bills: HF3228, HF2441

Keywords: workers' compensation, insurance programs, employee protection, Minnesota statutes, safety regulations, prevailing wage, certified payroll, payroll reporting, construction contracts, public works, project registration, labor standards, contractor compliance, subcontractor reporting, state government, Department of Administration, Commissioner of Labor and Industry, Metropolitan Council, highway construction, public construction

Transcript Highlights:

• And this is a bill relating to insurance continuing education here in the state of Minnesota.
• Um, in the state of Minnesota, regulated industries such as appraisal, insurance, real estate, and others
• In the state of Minnesota, regulated industries such as appraisal, insurance, real estate, and others
• Within the way that the insurance continuing education works, of the total requirement for the two-year
• of the largest insurance company in the country. country. country.

Bills: HF357, HF3389, HF1434, HF2500, HF1606

Keywords: HF357, hasenpfeffer, card games, social skill game, Minnesota gambling law, tournament, contest, prize limit, low-stakes gaming, card game exemption, gambling exemption, cribbage, bridge, euchre, pinochle, Texas hold'em, whist, skat, sheepshead, gin