Transcript Highlights:

• Oklahoma Captive Insurance Company Act.
• The bill reflects a collaborative effort between the Oklahoma Insurance Department and the Oklahoma Captive
• Insurance Association to improve the state's captive insurance framework.
• That are active and actively attract captive insurance companies at this time.
• That financial relationship should belong between the patient, the insured, and the insurance company

Bills: HB3794, HB3796, HB3928, HB2955, HB4453, HB4460

Keywords: licensure, criminal history, public safety, occupational certification, rehabilitation, state regulations, insurance, regulations, certification, long-term care, mergers, consumer protection, property safety, vision insurance, optometry, reimbursement, healthcare policy, ophthalmic materials, provider agreements, captive insurance

Transcript Highlights:

• House Bill 2955 updates and modernizes the Oklahoma captive insurance company act.
• The bill reflects a collaborative effort between the Oklahoma Insurance Department and the Oklahoma Captive
• Insurance Association to improve the state's captive insurance framework.
• It's a bill that I've been working on with the insurance department since last summer.
• insurance.

Bills: HB3783, HB2955, HB3802, HB4488, HB2471, HB3781, HB3127

Keywords: captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive, risk retention group, pure captive, association captive, industrial insured captive, series captive, branch captive, special purpose captive, reciprocal insurer, capital and surplus, letter of credit, change in control, merger, conversion

Transcript Highlights:

• We have had significant increases in insurance costs, which are due to a variety of insurance costs and
• insurance companies challenging claims and then not paying.
• avenue for the consumer to create a savings account because of some of the things we're seeing in the insurance
• that up into, then I could pay that claims essentially out of that and keep that cost off of my insurance

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

Transcript Highlights:

• This particular bill focuses on insurance coverage, roof adoption, and you. For questions.
• The Oklahoma Insurance Department requests the following changes to update provisions related to the
• homeowner's insurance in the Oklahoma Insurance Code.
• Oklahoma Insurance Department. Thank you so much. Underwriting purposes.
• Oklahoma Insurance Department. Thank you so much. Have pass, see no questions.

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

Transcript Highlights:

• or will it save costs to the insurers?
• to agents even captive agents that work for the actual insurance carrier that hires those claims adjusters
• House 2955 simply updates and modernizes the Oklahoma Captive Insurance Company Act.
• Captive Insurance Association to improve the statutes surrounding the captive insurance framework.
• captive companies.

Bills: HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Transcript Highlights:

• Business and insurance will meet immediately upon the conclusion of veterans in 535.
• We're going to have to do a lot of juggling between energy and business insurance today.

Bills: HB3327, HB3711, HB4104, HJR1077, HB3329, HB4322, HB4202, HB4203, HB4457, HB3983, HB3660, HB3802, HB2933, HB2955, HB2956, HB3781, HB3521, HB3794, HB3796, HB3800, HB3183, HB4316, HB4484, HB3469, HB3464, HB3173, HB3989, HB3016, HB2979, HB2988, HB2288, HB3062, HB3315, HB3372, HB3530, HB3622, HB3755, HB4266

Keywords: State Board of Education, Oklahoma education board, board appointments, school governance, education reform, governor appointments, legislative appointments, speaker of the house, president pro tempore, senate confirmation, board vacancies, removal for cause, public education, state superintendent, school board training, board member qualifications, emergency clause, Oklahoma statutes 70 O.S. 3-101, school funding, transparency

Transcript Highlights:

• >> Oh, uh, DCCA, please. captive insurance company where the core captive insurance company where the
• This measure allows captive insurance companies that are not risk retention captive insurance companies
• captive insurance company does sponsored captive insurance company does not<00:29:36.080> retain
• captive insurance laws and may captive insurance laws and may contribute<00:31:37.279> to
• Um the Hawaii Captive Insurance Council.

Bills: SB2004, SB2039, SB2042, SB2043, SB2044, SB2132

Keywords: outdoor advertising, billboards, public safety, penalties, community pollution, elections, campaign finance, business entities, political activity, regulation, liability, non-natural persons, insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes

Summary: The Senate Commerce and Consumer Protection Committee opened its first hearing of the year with remarks from Chair Jared Kohole outlining hearing procedures, a two-minute testimony limit, rules for remote testimony and decorum, and a revised testimony-publication pilot that keeps 96-hour notice but returns to a standard 24-hour testimony deadline. He then moved through the agenda, beginning with SB 2004 on outdoor advertising, which would increase penalties for violations of billboard and outdoor advertising laws. Testimony on that measure was limited; Henry Curtis of Life of the Land was first up, and written support was noted from Hawaiian Electric and the Outdoor Circle. The committee then heard SB 2039 on election campaign finance, which would prohibit certain business entities from engaging in campaign finance activities. The Attorney General’s office offered comments and did not take a formal position at the hearing. Several proponents testified in support, including Josh Frost, Tom Moore of the Center for American Progress, Hapa/Hawaii Alliance for Progressive Action, and Common Cause Hawaiʻi, all arguing the bill would curb corporate and dark-money influence and return elections to the people. Moore distinguished between regulating corporate “rights” and limiting corporate “powers,” and said the state can redefine the powers it grants corporations. In questions, Senator McKelvey asked whether the bill could be expanded to include unions; the Attorney General said he would need to get back with legal analysis, while Moore said his preferred approach would include all entities and that leaving out nonprofits or unions would create problems. Members also discussed whether the bill would affect PACs, and Moore explained that the proposal would prohibit corporate and dark-money flows into PACs while leaving individual political giving and existing political committees in place. The committee then moved on to the next measure. SB 2042, relating to insurance, was heard next. The bill would reduce the unimpaired minimum capital and surplus required of class 4 sponsored captive insurance companies under certain circumstances. The DCCA Insurance Division said it stood on its written testimony, and the Hawaii Captive Insurance Council testified in support, describing the change as a narrow, risk-based adjustment that would not affect the commissioner’s authority where actual risk resides and would help keep Hawaii competitive. The committee noted additional written support and proceeded without a vote or final action in the portion of the hearing provided.

Transcript Highlights:

• to know what's going on in all sectors where white-tailed deer are in this state, in the wild, in captive
• We tested one breeder and one captive server within 10 miles.

Bills: HB509

Keywords: HB509, game breeder, game breeder license, cervid, deer breeder, whitetail deer, elk, fallow deer, deer farm, captive deer, cervidae, wildlife disease, disease testing, antemortem testing, state veterinarian, Department of Conservation and Natural Resources, property rights, private property, animal transfer, breeding stock

Transcript Highlights:

• Those on the insurance committee or have your bills on The insurance committee today will be meeting

Bills: HB3281, HB3320, HB3081, HB3127, HB3128, HB3498, HB2035, HB3765, HB4324, HB3678, HB4170, HB3495, HB3040, HB3062, HB4140, HB4106, HB4109, HB4104, HB3581, HB3620, HB3942, HB3279, HB3378, HB3383, HB3413, HB3414, HB3415, HB3420, HB3130, HB3700, HB3379, HB3129, HB3132, HB3315, HB2950, HB3242, HB3041, HB4428, HB4429, HB1064, HB3265, HB3721, HB3028, HB3313, HB3588, HB3020, HB3724, HB3392, HB3466, HB4060, HJR1074, HB3501, HJR1070, HB3794, HB3796, HB3928, HB2955, HB4453, HB4460, HB4128, HB3659, HB3270, HB3145

Keywords: administrative procedures, guidance documents, transparency, public inspection, rulemaking, sunset laws, statutory entities, regulatory compliance, emergency provisions, board re-creation, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, medical marijuana, employment rights, safety-sensitive positions, workplace policies, public assistance

Transcript Highlights:

• Bill 2955 updates and modernizes the Oklahoma captive insurance Company Act.
• The bill reflects the collective effort between the Oklahoma Insurance Department and the Oklahoma Captive
• Insurance Association to improve the state's captive insurance framework.
• They don't have much insurance costs.
• effect on the cost of insurance in the long run?

Bills: HB3329, HR1039, HR1040, HB3413, HB3414, HB3415, HB3416, HB3417, HB3418, HB3419, HB3420, HB3706, HB3711, HB4139, HB1268, HB3660, HJR1023, HB3298, HB3056, HJR1084, HB3934, HB3919, HB4118, HB4119, HB3791, HB4260, HB4178, HB4215, HB4324, HB3270, HB4352, HB4305, HB2955, HB3315, HB3066, HB1245, HB4125, HB3075, HB3129, HB3239, HB4153, HB3265, HB4491, SB680, HB4263, HB4268, HB1675, HB3885, HB2984, HB3697, HB2959, HB3671, HB3852, HB2933, HB3057, HB3802, HB4294, HB4285, HB3708, HB3979, HB3977, HB3986, HB3985, HB3588, HB3742, HB3845, HJR1070, HB3590, HB3595, HB3391, HB3183, HB3764, HB3765, HB1002, HB4434, HJR1086, HB4060, HB3881, HB3500, HB4408, HB3648, HB3127, HB3606

Keywords: long-term care, advisory board, sunset legislation, mental health, psychologists, University of Oklahoma, gymnastics, NCAA, congratulations, sports excellence, recognition, honor, athletics, Joseph Castiglione, leadership, education, sports management, HB3413, public finance, state budget

Bills: HB3329, HR1039, HR1040, HB3413, HB3414, HB3415, HB3416, HB3417, HB3418, HB3419, HB3420, HB3706, HB3711, HB4139, HB1268, HB3660, HJR1023, HB3298, HB3056, HJR1084, HB3934, HB3919, HB4118, HB4119, HB3791, HB4260, HB4178, HB4215, HB4324, HB3270, HB4352, HB4305, HB2955, HB3315, HB3066, HB1245, HB4125, HB3075, HB3129, HB3239, HB4153, HB3265, HB4491, SB680, HB4263, HB4268, HB1675, HB3885, HB2984, HB3697, HB2959, HB3671, HB3852, HB2933, HB3057, HB3802, HB4294, HB4285, HB3708, HB3979, HB3977, HB3986, HB3985, HB3588, HB3742, HB3845, HJR1070, HB3590, HB3595, HB3391, HB3183, HB3764, HB3765, HB1002, HB4434, HJR1086, HB4060, HB3881, HB3500, HB4408, HB3648, HB3127, HB3606

Keywords: long-term care, advisory board, sunset legislation, mental health, psychologists, University of Oklahoma, gymnastics, NCAA, congratulations, sports excellence, recognition, honor, athletics, Joseph Castiglione, leadership, education, sports management, HB3413, public finance, state budget

Bills: HB3419, HB4153, HB3430, HB3791, HB3277, HB4119, HB4408, HB3905, HB3968, HB3835, HB3386, HB2650, HB3742, HB3588, HB3748, HB4303, HB4311, HB3028, HB4428, HB4429, HB4132, HB1889, HB3265, HB1739, HB4434, HB3313, HB3852, HB4263, HB3413, HB3414, HB3415, HB3416, HB3417, HB3418, HB3420, HB2116, HB2206, HB3625, HB2939, HB3721, HB1823, HB2425, HB4440, HJR1087, HB4003, HJR1077, HB1770, HB1675, HB3627, HB3891, HJR1067, HB3462, HJR1053, HJR1054, HJR1044, HB3472, HB1225, HJR1019, HB4145, HJR1081, HB1746, HJR1069, HJR1050, HB1638, HB3327, HJR1055, HB3127, HB4488, HB2955, HB3781, HB3783, HB3802, HB2471, HB2937, SCR16, HB2960, HB3466, HB3262, HB3269, HB3152, HB4140, HB4142, HB3148, HB3378

Keywords: corruption, nonpublic information, government accountability, criminal law, public office, driver license, reading proficiency, minors, education requirements, alternative testing, attendance, remedial reading, public school, oath of enrollment, court financial obligations, cost hearing, payment plan, community service, court compliance program, debt relief

Transcript Highlights:

• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• insurance adjuster.
• The Texas Department of Insurance, on their website, advises the insured to seek appraisal before filing
• Today's Texas Department of Insurance suggests the insured check their policy to see if it has that right
• I think if she... ...follows those same guidelines, it'll be good for the insured and the insurer.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Savings they find with the insurance company.
• I have been an insurance-based provider, with 98% of my clientele billed through insurance.
• We're seeing increased rates and reduced coverage from private insurance. ...insurers will exacerbate
• If title insurance rates, which are set by the Texas Department of Insurance, are only updated every
• Unlike traditional health insurance plans that often include complicated deductibles or co-insurance

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Next, we'll take up Tab 6, Senate Bill 990 on protected cell captive insurance companies.
• It is the riveting subject of protected cell captive insurance companies.
• cell captive insurers or protected cell companies.
• Of the 36 states allowing captive insurance, 21 allow some form of PCC.
• I am the Secretary of the Florida Captive Insurance Association.

Bills: S0158, S0314, S0618, S0684, S0838, S0990, S1000, S1082, S1452, S1494, S1500, S1568, S1706

Keywords: pet insurance, consumer protection, insurance regulation, policy disclosure, agent training, payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, workers compensation, Florida statute, commercial insurance, insurance board, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles

Summary: The Banking and Insurance Committee heard and advanced a wide range of insurance, financial services, and probate bills. 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 was reported favorably. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program for emergency out-of-network claims. After extensive discussion about the relationship between the state and federal No Surprises Act processes, an amendment was withdrawn due to concerns about clarity and scope, but the bill itself was supported by providers and insurers and was reported favorably. The committee also approved SB 684 on electronic signatures for total loss vehicles and vessels, CS/SB 158 on pet insurance consumer disclosures and agent education, SB 1494 expanding breast cancer screening coverage, CS/SB 314 on digital assets and stablecoin issuers, and CS/SB 1500 on uncontested probate procedures and small-estate administration. SB 618 on workers’ compensation insurance was amended to raise the consent-to-rate cap for workers’ compensation policies from 10% to 20% and then reported favorably, with supporters saying it would help keep higher-risk employers in the voluntary market. CS/SB 1568 creating a Florida Stablecoin Pilot Program was amended to remove authority for a Florida coin and limit the program to existing stablecoins, then passed. Later, the committee approved CS/SB 838 on electronic payment convenience fees for retail installment contracts, with the sponsor emphasizing that a fee-free payment option must still be offered. SB 1452, the Department of Financial Services agency bill, was amended and reported favorably; it covered My Safe Florida Home administration, insurance and licensing changes, unclaimed property updates, and other DFS-related provisions. The committee also passed SB 1706 on the My Safe Florida Condominium Pilot Program, targeting owner-occupied condominiums at or below 80% of area median income, and SB 990 on protected cell captive insurance companies, which supporters said would modernize Florida’s captive insurance laws and encourage more competition. The meeting ended with all listed bills reported favorably and the committee adjourned.

Bills: SB19

Keywords: SB19, prostate cancer, prostate cancer screening, PSA test, digital rectal exam, preventive screening, health insurance mandate, no cost sharing, copay, deductible, coinsurance, high-risk men, African American men, men over 50, men over 40, family history, genetic marker, health benefit plan, insurer coverage, Alabama insurance code

Transcript Highlights:

• That was >> Good morning and call this meeting of the Insurance Committee to order.
• it >> Chairman, Department of Insurance, uh it wants<00:02:56.800> this.
• for life insurance at all?
• to acquire another insurance company.
• business, just insurance. business, just insurance.

Bills: HB372, HB361, HB391, HB372, HB361, HB391

Keywords: Elmore County, rental tax, tax revenue, infrastructure funding, economic development, Ma-Chis Lower Creek Indian Tribe, tribal police, reservation security, state-recognized tribe, law enforcement authority, certified police officer, Peace Officers' Standards and Training Commission, P.O.S.T., trespass, warrantless arrest, tribal land, sovereignty, public safety, Indian tribe, reservation

Transcript Highlights:

• in Florida called protective cell captive insurance companies.
• Captive insurance companies are a specialized form of self-insurance, allowing a business to create its
• Captive insurance companies are a specialized form of self-insurance, allowing a business to create its
• a protective cell captive insurance company.
• On behalf of the Florida Captive Insurance Association. Thank you.

Bills: S0314, S0530, S0576, S0800, S0990, S1078, S1440, S1568, S1588, S1614

Keywords: payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, Florida lottery, state lottery, lottery tickets, lottery retailer, Department of the Lottery, Division of Security, ball machine, lottery vending machine, instant tickets, online lottery tickets, major procurement, vendor disclosure, performance bond, retailer bond

Summary: The committee heard and advanced several bills related to engineering regulation, cybersecurity, financial services, and state administration. CS/SB 800 would increase penalties for repeated unlicensed engineering practice and create an engineering student loan assistance program funded by licensure fees and fines; it was reported favorably after questions about whether it would reimburse victims of unlicensed practitioners, with the sponsor noting it would not and that affected individuals would need to pursue complaints and private legal action. CS/SB 576 created a local government cybersecurity protection program administered by Florida Digital Service, with state purchasing of cybersecurity services and priority for fiscally constrained counties; it received support from local government and industry groups and was reported favorably. CS/SB 1078 set transition requirements for gubernatorial administrations, including liaisons, briefing books, office space, IT access, and controlled access to agency records under a memorandum of understanding, and it also passed favorably. The committee also approved CS/SB 314, which creates a regulatory framework for payment stablecoin issuers in Florida, and CS/SB 530, which updates lottery operations, security, retailer rules, and bonding requirements. CS/SB 1614, after adoption of a technical substitute amendment, would limit local governments’ eligibility for certain state funding if they have excess funds, have recently been audited by the legislative audit committee, or fail to affirm expenditure of prior funds; the sponsor said it would give the Joint Legislative Auditing Committee more enforcement leverage, and the bill was reported favorably. CS/SB 990 authorizes protective cell captive insurance companies to expand insurance market capacity and potentially lower premiums, while CS/SB 1588 is a step toward implementing last session’s gold and silver legal tender law; both were reported favorably. Additional bills passed included CS/SB 1440, which adds cybersecurity-related exemptions and reporting provisions for financial institutions, loan originators, and money service businesses, and CS/SB 1568, which creates a Florida Stable Coin Pilot Program allowing DFS fees to be paid with approved stablecoins. The stablecoin bill was amended to add guardrails, including fee limits, website notice requirements, and restrictions if no approved issuers are available. The committee also received a brief budget overview highlighting major funding items such as Florida Forever, Everglades restoration, water quality, Farmers Feeding Florida, citrus recovery, school lunches, state parks, and law enforcement and staffing items, and members later recorded additional votes before the committee adjourned.

Bills: SB2043, SB2044, SB2004, SB2143, SB2411, SB2455, SB2519, SB2661, SB2665, SB2731, SB2737, SB2767, SB2794, SB2830, SB3334

Keywords: insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes, financial reporting, outdoor advertising, billboards, public safety, penalties, community pollution, elections, chief election officer, vacancy, order of succession, election commission, campaign finance

Transcript Highlights:

• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• Insured, there is the insured under the policy, so the insurer needs to work with the actual driver of
• It shifts the duties of both the insurer and the insured.
• An insurance company has a duty when their insured causes an accident and their insured gets sued.
• The insurance company has a duty to defend that insured.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer