Transcript Highlights:

• Just to make sure that actual legitimate marketing departments of auto manufacturers are able to send
• clear that if it's our customer and we're communicating with them about product, services, or other warranty
• clear that if it's our customer and we're communicating with them about product, services, or other warranty
• them about product, services,<00:22:52.799><c> or</c><00:22:53.039><c> other</c><00:22:53.520><c> warranty
• ,</c><00:22:54.240><c> recall,</c> services, or other warranty, recall, services, or other warranty,

Bills: HB1849, HB2000, HB1753, HB1511, HB276, HB1513, HB2188, HB1876

Keywords: licensing, professional license, individual taxpayer identification number, immigration, state residency, right to repair, wheelchairs, consumer protection, repair providers, device documentation, HB1753, Hawaii Social Media Data Deletion Act, social media, account deletion, data deletion, privacy, consumer privacy, personal information, sensitive personal information, data retention

Summary: The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown. The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information. On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose. The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.

Transcript Highlights:

• Bill 2323 expands the definition of consumer by adding a leasing of a vehicle to be entitled to warranty
• motor vehicle also has the same rights as someone who has purchased a vehicle and is entitled to warranty
• When the manufacturer provides a warranty, they are legally bound to honor it.
• When the manufacturer provides a warranty, they are legally bound to honor it.
• Parrott attempted to rely on the federal law, which is the Magnuson-Moss warranty law.

Bills: HB2003, HB2057, HB2109, HB2111, HB2112, HB2114, HB2256, HB2259, HB2317, HB2323, HB2398, HB2443, HB2446, HB2574

Keywords: driver education, instruction permit, underage drivers, motorcycle licenses, traffic regulations, special plates, centennial, Arizona Department of Transportation, vehicle registration, commercial discounts, Arizona Centennial, distracted driving, portable wireless communication devices, motorcycles, traffic safety, civil penalties, driver license, examinations, motorcycle awareness, public safety

Transcript Highlights:

• It only requires any unexpired warranty to transfer, so you can sell your house to the new owner.
• If you purchase a warranty, it transfers with the house.

Bills: HB95, HB382

Keywords: HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate, homebuyer, homeowner, property transfer, fixture, condominium, cooperative, duplex, triplex, quadraplex, warrantor

Transcript Highlights:

• House Bill 1511 and support efforts to crack down on deceptive mailers in the service contract and warranty

Bills: HB1511, HB1535, HB1642, HB1753, HB1810, HB2282, HB2614

Keywords: consumer protection, unsolicited mail, unsolicited email, junk mail, spam email, deceptive marketing, misleading solicitation, high-pressure sales, vehicle warranty, auto warranty, service contract, home warranty, license renewal, registration renewal, government impersonation, affiliation disclosure, direct mail, email marketing, consumer fraud, refund

Summary: The committee heard several consumer-protection and insurance measures. HB 1511 HD2 would prohibit unsolicited mail or email using high-pressure tactics or falsely implying affiliation with another entity; it drew support from the Office of Consumer Protection, the DCCA Insurance Division, and the Service Contract Industry Council, with some written support and at least one opposition. HB 1535 HD2, concerning automated external defibrillators and a tax-related provision for devices installed in certain public accommodations, received comments from DOTAX and the Tax Foundation, with additional support from the Department of Health and other groups. HB 1642 HD1 would ban ownership or operation of digital financial asset transaction kiosks that accept U.S. currency; it was strongly supported by OCP, the Attorney General, and AARP, while kiosk operators and industry representatives opposed the ban and urged a regulatory approach instead, including licensing, transaction limits, refunds, and other safeguards. Members questioned whether federal action could preempt the bill and whether a licensure regime could be funded through a surcharge, but no action was taken during the discussion. The committee also took up HB 1753 on social media account deletion and permanent erasure of personal information, with OCP standing on its initial comments and TechNet and Will Caron in support. HB 1810 HD2 would impose prompt payment and financial reporting requirements on professional solicitors selling donated tangible property on behalf of charities; Goodwill Hawaii testified in strong support, emphasizing donor trust and transparency, and several nonprofit and business groups submitted supportive testimony. HB 2282 HD1, which would require explanations for premium increases and clarify insurance licensing and cancellation/non-renewal procedures, was supported by the Insurance Division and OCP; a vice chair asked for complaint data related to condo associations, and a member noted that the same agencies had previously opposed similar Senate bills. Finally, HB 2614 HD1 would require cosmetics merchants to accept returns of new or unopened goods within specified time frames and improve signage requirements; OCP said the bill addressed longstanding complaints about high-pressure sales tactics and no-return policies, citing over 180 complaints and survey results showing most complainants did not understand the policy and felt misled.

Transcript Highlights:

• Service may include auto-carrying capacity and may be funded from the general fund or general county

Bills: HB2604, HB2436, SB6354, SB6352

Keywords: vehicle ownership, insurance, title transfer, consumer protection, motor vehicle, oil tanker, tank vessel, restricted waters, Puget Sound, San Juan Islands, Rosario Strait, Admiralty Inlet, Discovery Island, New Dungeness, tug escort, pilotage, marine safety, spill prevention, oil transport, petroleum shipment

Bills: HB282, HB283, HB95

Keywords: government contracting, state agencies, local agencies, procurement, marketing contracts, advertising contracts, media monitoring, fact-checking, news ratings, bias ratings, misinformation, journalistic standards, news accuracy, vendor certification, contractor certification, public relations, media analytics, government procurement, Alabama, data privacy

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Bills: HB66, HB79, HB95, HB145, HB66, HB79, HB95, HB145

Keywords: elder abuse, financial exploitation, inheritance, joint tenancy, conviction effects, off-label, pharmacists, medical treatment, state board of pharmacy, employment protection, HVAC, air conditioning, heating, ventilation, warranty transfer, manufacturer warranty, consumer protection, home sale, residential real property, real estate

Transcript Highlights:

• and members, House Bill 2323 expands the definition of consumer under the Arizona Motor Vehicle Warranties
• So if you purchase a vehicle, you're under warranty.
• If you lease a vehicle, no warranty, no recourse if the car has been in the shop back and forth for,
• If you're a consumer, if you have a warranty, why should you have less rights just because you lease
• You have the warranty coverage. It's just typically a shorter term.

Bills: HB2072, HB2251, HB2279, HB2308, HB2323, HB2342, HB2400, HB2408, HB2456, HB2660, HB2697, HB2868, HB2873, HB2877, HB2910, HB2946, HB2955, HB2991, HB4001, HB4010

Keywords: Cesar Chavez, public holiday, state law, holiday repeal, Arizona Revised Statutes, midwifery, medication administration, healthcare, patient safety, advisory committee, licensed midwives, river trips, liability, outfitter, Grand Canyon, negligence, risk management, contractual waiver, dental practice, business registration

Bills: HB91, HB95, HB255, HB318, HB91, HB95, HB255, HB318

Keywords: county housing authority, public housing, housing authority, affordable housing, low-income housing, mixed-use development, community facilities, subsidiary, affiliate, public corporation, municipal tax exemption, deed tax, mortgage tax, probate fee, bond financing, housing project, urban redevelopment, rural housing, public-private partnership, eminent domain

Transcript Highlights:

• They have auto loans.
• done and parts for manufacturers or distributors for auto dealers. ...warranty work done and parts for
• manufacturers or distributors for auto dealers.
• Auto dealers have seen issues with the lack of a clear parts formula to calculate warranty reimbursement
• work if it is less than the retail customer or similar non-warranty work.

Bills: SB1113, SB1117, SB1206, SB1460, SB1802, SB1906, SB1917, SB2340, SB2455, SB2680, SB2690, SB705, SB748

Keywords: SB 1113, converter's license, converter license, motor vehicle dealer, auto dealer, vehicle conversion, converted vehicles, direct sales, retail sales, trailer, semitrailer, manufactured trailer, chassis, manufacturer's statement of origin, MSO, Occupations Code, Transportation Code, Texas Department of Motor Vehicles, dealer licensing, general distinguishing number

Summary: The committee took up pending business first and reported several bills favorably, including SB 2139, SB 2610, SB 1856, SB 2530, SB 2401, SB 2858, and SB 3016, with most of those measures moving out on committee substitutes and being sent to the local and uncontested calendar or to the full Senate. The committee also heard SB 1906 on expanding Chapter 342E consumer lending rates; supporters argued it would modernize Texas law and expand access to safe, regulated credit, while opponents from Texas Appleseed and AARP warned it would raise costs on already expensive loans and worsen debt burdens. SB 1906 was left pending after testimony. The committee also reconsidered and re-voted SB 1856 after a procedural issue, with the substitute ultimately adopted and the bill reported favorably. The committee then heard SB 1113, which would clarify that certain vehicle converters, including a Texarkana business, do not need an additional dealer license to sell converted vehicles. The bill’s supporters described a long-standing business model and said the new metal license plate rules had created problems, while the Texas Automobile Dealers Association opposed the bill in its current form and said it could be resolved through DMV action or narrower changes. DMV said it was still researching a possible administrative fix, and SB 1113 was left pending. The committee also heard SB 2680, a Public Information Act cleanup bill dealing with emergency deadlines, business-day exclusions, and litigation timing; broadcasters and other open-government advocates argued the issues were already addressed by prior law and court rulings, while the Attorney General’s office said the bill would help with catastrophe notices and timing conflicts. SB 2680 was left pending. Other bills heard included SB 1117, which would allow any Texas-licensed dentist to administer botulinum toxin neuromodulators for aesthetic purposes in the oral and maxillofacial region; the author and dental witnesses said it would clarify scope and improve access, and the bill was left pending. SB 2340 would clarify the Attorney General’s investigative authority over Texas corporations, including pre-suit depositions and sworn written questions; opponents raised due process and separation-of-powers concerns, and the bill was left pending. The committee also heard SB 705 and SB 748, both TDLR cleanup bills, and SB 1206, which would impose timelines and notice requirements on municipalities reviewing transmission projects; SB 1206 was supported by an electric cooperative and left pending. SB 1460, creating an ethics violation registry tied to licensing consequences, drew constitutional and due-process objections from several witnesses and was also left pending. After a recess, the committee heard SB 1802 on landlord duties to repair mobility assistance devices like elevators and ramps in rental housing, with the author describing prolonged outages affecting seniors; the bill was left pending. Finally, SB 2455, creating an Energy Waste Advisory Committee to coordinate efficiency and demand-response programs, drew support from energy-efficiency and environmental witnesses and was left pending, and SB 2690, targeting deceptive business-certification solicitations, was laid out and opened to testimony before the transcript ended.

Transcript Highlights:

• done and parts from manufacturers or were distributors for auto dealers.
• Auto dealers have seen issues with the lack of a clear parts formula.
• Subchapter I to clarify the warranty reimbursement language. Senate Bill 1917 amends.
• For them, you know, we handle these warranty work, these recall repairs.
• work is less than the retail. customers center non-warranty work.

Bills: SB 1113, SB 1117, SB 1206, SB 1460, SB 1802, SB 1906, SB 1917, SB 2340, SB 2455, SB 2680, SB 2690, SB 705, SB 748

Keywords: SB 1113, converter's license, converter license, motor vehicle dealer, auto dealer, vehicle conversion, converted vehicles, direct sales, retail sales, trailer, semitrailer, manufactured trailer, chassis, manufacturer's statement of origin, MSO, Occupations Code, Transportation Code, Texas Department of Motor Vehicles, dealer licensing, general distinguishing number

Summary: The meeting of the Senate Business and Commerce Committee was marked by discussions on several significant bills, with a keen emphasis on legislative updates and committee substitutes. Notably, Senator Blanco presented a new committee substitute for SB2610, which modifies the employee cap from 100 to 250 and extends the update timeline for cyber security programs for small businesses. This substitute was adopted unanimously, reflecting a collaborative agreement among the committee members. Additionally, there were discussions surrounding SB1856 as Senator Crayton provided insights into how stakeholder feedback influenced the bill's committee substitute. The committee ultimately voted in favor, pushing it towards the local and contested calendar, indicating the bill's progression through legislative channels.

Bills: SB 1113, SB 1117, SB 1206, SB 1460, SB 1802, SB 1906, SB 1917, SB 2340, SB 2455, SB 2680, SB 2690, SB 705, SB 748

Keywords: dentistry, botulinum toxin, aesthetic treatments, dental regulation, training, electricity, transmission services, municipal consent, utility regulations, construction, state highways, ethics, compliance, licensing, government, transparency, landlord, tenant rights, repair obligations, housing conditions

Transcript Highlights:

• Auto with Sakura 39ers, a Truckee's community-based organization in Southwest Washington.
• It reflects an agreement between our auto dealers and two companies that are already selling vehicles
• I'm Vicki Giles-Ferberry, the Executive Vice President of the Washington State Auto Dealers Association
• I'm Susan Duggan, General Counsel for the Washington State Auto Dealers Association.
• We are a first-generation auto group. We've been founded 33 years ago.

Bills: SB6225, SB6005, SB6354

Keywords: transportation bonds, general obligation bonds, Washington State Department of Transportation, WSDOT, highway funding, road construction, infrastructure financing, motor fuel tax, gas tax, vehicle fees, bond authorization, state finance committee, highway bond retirement fund, corridor projects, interstate improvements, right-of-way acquisition, public-private partnerships, transportation capital projects, local matching funds, emergency clause

Summary: The Senate Transportation Committee held public hearings on three bills. For SB 6225, the proposed substitute bond bill, staff explained it would authorize $1.1 billion in general obligation bonds for transportation funding, an additional $400 million for completion of selected Move Ahead Washington highway projects, a $500 million increase in SR 520 bond authority, and the sunset of some unused older bond authorizations. For SB 6005, the supplemental transportation budget, staff described a $17.5 billion six-year plan that adds $1.5 billion, including reappropriations, preservation and maintenance funding, adjustments tied to lower revenues and Climate Commitment Account forecasts, and assumptions about future ferry financing. For SB 6354, staff outlined a bill allowing limited direct sales by qualifying EV-only manufacturers, increasing the documentary service fee, and directing part of the new revenue to EV rebates and multimodal transportation funding. Testimony on SB 6005 and SB 6225 was broadly supportive from transit, biking, climate, labor, ports, cities, counties, and business groups, with repeated emphasis on preservation, safety, ferry reliability, freight mobility, and maintaining or expanding climate-related transportation investments. Several witnesses asked for specific project or program changes, including more funding for EV charging, rail electrification and rail capital projects, ferry investments, local bridge and road projects, Spokane TMC operations, county flood response, and freight corridor work in Kent and Lynnwood. Some witnesses also urged the committee to avoid House-proposed reductions to local programs and to preserve long-term bonding and six-year funding stability. Testimony on SB 6354 was split. Supporters, including Climate Solutions, the Washington State Auto Dealers Association, Rivian, Lucid, and some franchise dealers, called it a compromise that would expand EV access while preserving consumer protections and dealer licensing requirements. Opponents, including the Alliance for Automotive Innovation and Honda, argued the bill creates unequal rules by exempting certain manufacturers from the franchise model and said they had not been part of any real compromise. The committee took no votes during the hearing and announced that SB 6225 and SB 6005 would be in executive session Thursday at 8 a.m., with amendments due by noon the prior day; SB 6354 would be acted on later.

Bills: SB540, HB1085, HB1484

Keywords: dentist, dental hygienist, dentistry, dental hygiene, licensure compact, interstate compact, professional licensing, license portability, health workforce, workforce shortage, mobility, compact privilege, state licensing board, public health, public safety, military spouse, telehealth dentistry, reciprocity, Title 59, occupational licensing

Transcript Highlights:

• It already authorizes auto dealers to offer consumers products designed to help deter vehicle theft.
• Uh, the bill amends the act to establish clear statutory authority for auto dealers to offer consumers
• Uh, the bill amends the act to establish clear statutory authority for auto dealers to offer consumers
• establish clear statutory<00:17:07.120><c> authority</c><00:17:07.760><c> for</c><00:17:08.000><c> auto
• authority for auto dealers to offer<00:17:09.199><c> consumers</c><00:17:09.760><c> theft</c><00:17:

Bills: HB610, HB620, HB582, HB610, HB620, HB582

Keywords: state bank, public bank, government funds, financial services, constitutional amendment, tax abatements, international headquarters, publicly traded companies, economic incentives, Alabama tax reform, social-emotional learning, education policy, parental consent, K-12 education, teacher training, student surveys, disciplinary action, automatic renewal, consumer protection, cancellation policy

Transcript Highlights:

• Senator Weaver is not here, this is dealing with an epinephrine delivery system versus single-dose auto-injectable
• And my best guess is that the epipens, instead of being auto, are now single-dose epinephrine delivery
• The epipens, instead of being auto, are now single-dose epinephrine delivery systems.

Bills: SB367, SB368, SB350, SB351

Keywords: rural health, healthcare access, state funding, health transformation, appropriations, fiscal policy, healthcare funding, economic development, mental health, maternal health, antitrust, competition, market regulation, business practices, consumer protection, anaphylaxis, epinephrine, auto-injector, public health, school safety

Transcript Highlights:

• We've had a huge spike in auto theft over the last several years.
• With that said, again, there has been a huge uptake in auto thefts in the last several years.
• With that said, again, there has been a huge uptake in auto thefts in the last several years.

Bills: HB351

Keywords: vehicle security circumvention device, car theft, auto theft, key fob hacking, relay attack, key programming device, car key emulator, vehicle immobilizer bypass, automotive security, locksmith, motor vehicle dealer, repossessor, law enforcement, National Insurance Crime Bureau, Delaware Title 21, criminal offense, misdemeanor

Summary: The Senate Corrections and Public Safety Committee met in hybrid format but did not have a quorum, so it held approval of the May 13 and June 10 minutes. The committee heard House Bill 351, sponsored by Senator Brown, which would update Delaware law on vehicle security circumvention devices. The bill would criminalize the manufacture, sale, transfer, or possession of devices used to bypass keyless entry and push-to-start vehicle security systems, while exempting certified users such as locksmiths, mechanics, dealerships, repossession agents, and law enforcement. Senator Brown said the measure is intended to address modern vehicle theft methods and increase penalties for first and repeat offenses. Testimony in support came from Howard Handler of the National Insurance Crime Bureau and Sergeant Mike Ripple of the Delaware State Police. Handler said Delaware has seen more than 1,600 vehicle thefts in 2025 and that organized theft rings increasingly use key programming and relay devices, often in under a minute. Ripple said the devices are easily purchased online, are being used in Delaware and nearby states, and have contributed to a sharp rise in auto thefts, especially involving certain makes such as Jeeps, Hondas, and Toyotas. Committee members asked about enforcement, online sales restrictions, and whether similar laws in other states have been effective; witnesses said the technology is new and that comparable laws have been enacted in states such as New Jersey and Michigan, though no effectiveness data was available. During public comment, Robert Overmiller spoke in favor of the bill, saying criminals will always find ways to exploit new technology. Several committee members indicated support for the measure, but no vote was taken because the committee lacked a quorum. The meeting ended with a motion to adjourn.

Transcript Highlights:

• the state, ranging from the very small to the very large, and the retail, restaurant, convenience, auto
• We have Robert Okanowsky for the Massachusetts State Auto Dealers Association, opposing House 5036.
• the committee members, Bob O'Kadeski, Executive Vice President, General Counsel, Massachusetts State Auto
• you we're right along in a on a fast hearing today uh we have uh robert okanowsky for the mass state auto
• the committee members, Bob O'Kadeski, Executive Vice President, General Counsel, Massachusetts State Auto

Bills: H5036, H5138

Keywords: tariff transparency, consumer disclosure, price transparency, vehicle pricing, Monroney label, auto dealer, car manufacturer, retail pricing, shelf tag, receipt disclosure, online storefront, import duties, trade taxes, Chapter 93A, Attorney General enforcement, consumer protection, federal preemption, customs, supply chain costs, tariff surcharge

Summary: The Joint Committee on Consumer Protection and Professional Licensure held a public hearing on two bills: House Bill 5138, which would create a statewide cash-rounding standard for transactions involving pennies, and House Bill 5036, which would require consumer disclosure of tariff-related price impacts. Committee chairs noted the hearing was taking place while the House and Senate were in session and that members might need to leave for roll calls; the hearing was ultimately closed after testimony, with a motion and voice vote to adjourn the hearing. Testimony on H.B. 5138 was broadly supportive. Senator Paul Feeney described the bill as a response to the federal decision to stop producing pennies, saying the measure would reduce confusion for consumers and businesses by requiring cash totals to be rounded to the nearest five cents, while leaving electronic, check, and gift-card payments unchanged. Retail and restaurant representatives said the bill would improve operational efficiency, provide legal clarity, and create a fair statewide standard, though the Retailers Association suggested changing mandatory language from "shall" to "may" to preserve flexibility. Several witnesses also noted that clear notice requirements would help consumers understand the rounding process. Testimony on H.B. 5036 was largely opposed. The Massachusetts Retailers Association, New England Convenience Store and Energy Marketers Association, and Massachusetts State Auto Dealers Association argued that requiring tariff disclosures on shelf tags or similar materials would be difficult or impossible to implement because tariffs and product costs change frequently and vary by item and manufacturer. They said the proposal would add burdens, create confusion, and potentially raise costs rather than help consumers. No votes were taken on either bill during the hearing.

Transcript Highlights:

• HF 3020 basically provides statutory clarification that automobile dealers can exhibit at auto shows
• This bill provides clarification that auto dealers can be auto show exhibitors.
• </c><00:10:08.360><c> Show</c> that auto dealers can be Auto Show that auto dealers can be Auto Show
• in an auto show, like Representative Perryman said.
• So the manufacturers are now relying on local dealers to showcase their fleet at auto shows.

Bills: HF747, HF1014, HF320, HF400

Keywords: corporate governance, shareholder rights, beneficial ownership, defective corporate acts, Minnesota Business Corporation Act, Minnesota Insurance Guaranty Association, MIGA, insurance guaranty fund, insurer insolvency, covered claim, net worth threshold, high-net-worth insured, financial information request, insurance claims, self-insured retention, deductible, commercial insurance, insurance regulation, Minnesota Statutes 60C.09, guaranty association