Transcript Highlights:

• Insurance agents and brokers are engaging in the business of insurance and should be subject to the insurance
• Basically, there are domestic bail bond insurers, foreign bail bond insurers, and alien bail bond insurers
• Domestic bail bond insurers, foreign bail bond insurers, and alien bail bond insurers.
• They handle insurance operations among insurance carriers.
• They handle insurance operations among insurance carriers.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• to apply to the insurance commissioner for certificates of exemption from examination after meeting
• Insurance Council in support. Insurance Council in support.
• <00:34:08.079> SB<00:34:09.119> 2044 SB 2044 exempts a dormant captive insurance company
• relating to insurance. relating to insurance.
• the DCCA insurance division's testimony. the DCCA insurance division's testimony.

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.

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:

• TDI-regulated insurance have state-level parity protections.
• People with Medicaid and CHIP insurance— Medicaid and CHIP insurance have state-level parity protections
• You pay a little extra on travel insurance for, in case.
• It sounds like insurance. Well, it does, but it's currently. it's not.
• And we don't think it is insurance.

Bills: HB201, HB272, HB618, HB 1094, HB 1142, HB201, HB272

Keywords: financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, credit card fraud, debit card fraud, prosecution, illegal possession, state law, HB 618, Texas insurance code, IVF, in vitro fertilization, fertility treatment, infertility coverage, government employee health benefits

Transcript Highlights:

• The Committee on Banking and Insurance will now come to order. Amora, please call the roll.
• Basically, what we're doing is... ...electronic insurance or eyewear insurance or both.
• Murphy, Board Association of Insurance Agents, waving in support.
• This bill is a public records exemption for cybersecurity event and also for loan originators.
• The bill requires families to maintain comprehensive health insurance.

Bills: S0198, S0570, S0772, S0808, S1038, S1040, S1286, S1440, S1504, S1668

Keywords: virtual currency, kiosks, money services business, regulation, financial services, consumer protection, cryptocurrency, registration, payment scams, task force, fraud prevention, property insurance, roofing requirements, inspector, insurance policies, homeowners insurance, roof age, residential structures, insurance renewal, investment

Summary: The Committee on Banking and Insurance met with a quorum present and took up a series of bills, beginning with SB 1286 by Senator Wright. That bill expands the law enforcement recruitment bonus program to include firefighters, creates a DFS grant review panel for fire-related grants, and establishes an institute for PTSD and first-responder behavioral health. Testimony from fire chiefs and others supported the measure, and the committee reported it favorably. The committee then considered several insurance and financial regulation bills. CS/SB 198 by Senator Rousan, as amended, regulates virtual currency kiosks with transaction limits, notice and receipt requirements, and OFR enforcement authority; witnesses described it as a needed anti-fraud measure, especially for seniors, and it was reported favorably. CS/SB 772 by Senator Burgess, as amended, allows limited licenses for portable electronics and eyewear insurance, and CS/SB 1504 by Senator Claudio, as amended, creates a pathway for high school students to qualify for insurance customer representative licensure; both were reported favorably. The committee also approved two cryptocurrency reserve bills by Senator Gruters: CS/SB 1038 creates the Florida Strategic Cryptocurrency Reserve framework, and CS/SB 1040 creates the related trust fund; both received technical amendments and favorable reports. CS/SB 1440 by Senator Martin, as amended, creates public records exemptions and cybersecurity reporting provisions for financial institutions and related entities, and it was reported favorably. Finally, SB 1668 by Senator Burton, which updates the NICA program’s funding and benefit structure, and CS/SB 570 by Senator Polsky, which creates a task force on payment scams, were both heard with supportive testimony and reported favorably. Senators later recorded additional affirmative votes on selected bills before the committee adjourned.

Transcript Highlights:

• producers, those folks who sell us life insurance, health insurance, property insurance, and casualty
• , health insurance, property insurance, health insurance, property and<00:03:19.280> casualty<
• <00:03:20.720> and and casualty insurance for our home and and casualty insurance for our
• exempt from this particular legislation. exempt from this particular legislation.
• have private healthcare insurance. have private healthcare insurance.

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

Transcript Highlights:

• The bill eliminates home equity revolving loans and exempts consumer loans over $50,000 or $30,000, respectively
• And so that means their premiums, whatever, the costs of insurance would be shared by all members, a
• And so that means their premiums, whatever, the costs of insurance would be shared by all members, a
• Yeah, I just mean which kind of insurance do you have to have for it to apply to them?
• I would much rather just exempt, as we've done before when we tried to repeal back.

Bills: SB1165, SB1206, SB1212, SB1291, SB1347, SB1516, SB1554, SB1649, SB1689, SB1812

Keywords: breast cancer, screening services, health insurance, cost sharing, preventive care, storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention

Summary: The Senate Finance Committee approved committee amendments and then heard a series of bills covering consumer lending, health insurance, chiropractic practice, breast cancer screening, insurance claim practices, digital assets, vaccination-based reimbursement, agricultural property inspections, and aviation tax exemptions. Testimony generally split between sponsors and industry or advocacy supporters emphasizing modernization, consumer access, or fairness, and opponents raising concerns about higher costs, tax breaks for wealthy interests, or unclear policy changes. Several bills drew detailed debate over whether they would help consumers or shift costs, and multiple witnesses described personal or industry experiences in support of the health-related measures. SB 1689, which would raise consumer loan thresholds and change interest-rate tiers, was amended but failed on a tied vote after Senator Epstein opposed it as shifting costs to smaller borrowers. SB 1347, requiring coverage for fertility preservation for cancer patients, was amended and passed 4-2 after testimony from the sponsor, a nonprofit representative, and two cancer survivors. SB 1165, eliminating cost-sharing for diagnostic and supplemental breast exams, was amended and passed 5-1. SB 1206, updating rules for public adjusters and contractors after loss events, was amended and passed 5-1. SB 1649, creating a digital assets strategic reserve fund, passed 4-2 despite criticism that it was unnecessary and pro-crypto. SB 1212, barring different reimbursement rates based on vaccination status, passed 4-2. SB 1291, limiting county assessors’ ability to reclassify or inspect agricultural property for four years after a successful appeal, was amended to allow inspections if taxable improvements are made and passed 5-1 over assessor opposition. SB 1516, expanding aviation-related tax exemptions to more aircraft maintenance and repair property, passed 4-1 after supporters framed it as economic development and opponents called it a tax break for private jets. SB 1554, updating chiropractic language from “x-ray” to “diagnostic imaging,” initially failed, was reconsidered after additional questioning, and then passed 3-2 after members said the change mainly codified current practice and reduced liability concerns.

Transcript Highlights:

• This basically expands the insurance coverage related to prostate cancer.
• This basically expands the insurance plan and coverage for gentlemen that are at higher risk of prostate
• I want to loop the Department of Insurance into that conversation, and what I'm going to do is encourage

Bills: SB190, HB515, SB190

Keywords: SB190, prostate cancer, prostate screening, PSA test, digital rectal exam, preventive screening, health insurance mandate, cost-sharing, copay, deductible, coinsurance, high-risk men, African American men, family history, genetic marker, men over 50, men over 40, health benefit plan, insurance coverage, mandated benefits

Transcript Highlights:

• Chairman. 10 of the exemption.
• So this bill moves >> 10 of the exemption.
• need verbiage to help this exemption need verbiage to help this exemption follow<00:22:16.400>
• However, same both of those exemptions.
• <00:35:15.280> pools it gives our um self- insurance pools it gives our um self- insurance

Bills: HB0101, HB0062, HB0109

Keywords: guardianship, monitoring, ward protection, financial independence, case management, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, property tax, tax exemption, homeowner, armed forces, residency requirement, 916, all

Transcript Highlights:

• of the Arizona State Retirement System's health insurance premium benefits subsidy.
• How are they affecting other insurance policies?
• As they do veterans VA disability letters for the tax exemption for the disabled.
• If it did expand the exemption, I would not run the bill.
• So I would not be in favor of expanding the tax exemption. And this does not expand it.

Bills: HB2089, HB2090, HB2092, HB2120, HB2138, HB2173, HB2273, HB2693, HB2786

Keywords: retirement benefits, health insurance, premium payment, Arizona State Retirement System, contingent annuitant, long-term disability, benefits limitations, disability compensation, social security, retirement system, elected officials, ASRS, eligibility waiver, age 65, property tax exemption, disability, veterans, widows, income limits, Arizona Revised Statutes

Summary: The Senate Finance Committee met to consider several bills and two Arizona State Retirement System nominees. It first passed House Bill 2173, which allows taxpayers and tax officers to communicate electronically about proposed property tax corrections or claims, with an acknowledgement required when responses are sent electronically. The committee then recommended confirmation of Thomas J. Connolly and Charles Essex to the ASRS Board, both receiving unanimous or near-unanimous support after brief introductions and no substantive opposition. The committee next approved several ASRS-related bills: House Bill 2089 clarifies that the ASRS health insurance premium subsidy applies only when coverage is not already subsidized; House Bill 2090 changes the disability definition tied to long-term disability benefits by removing the requirement that the 24 months occur within a five-year period; and House Bill 2092 shifts the 30-day waiver window for certain members age 65 or older from the date of hire to the date they become eligible to participate. All three passed on largely party-line or near-unanimous votes. The committee also passed House Bill 2120, with a technical amendment, allowing Social Security Administration disability determination letters to be used to certify eligibility for the property tax exemption for persons with disabilities. House Bill 2693 drew the most debate. It revises Arizona’s bona fide association health plan and multiple employer welfare arrangement provisions to align with ERISA rather than the rescinded 2018 federal AHP rule, and an amendment added a feasibility study by the Arizona Department of Administration on state employee and school district health plans. Supporters argued the bill would expand affordable, voluntary coverage options for small businesses and increase buying power; opponents raised concerns about consumer protections, preexisting conditions, and the history of association health plans. The committee ultimately passed the bill as amended on a 5-1 vote. Later, the committee passed House Bill 2138, which clarifies that workers’ compensation coverage for firefighters traveling directly to or from work applies to state, municipal, fire district, and fire authority firefighters. It also passed House Bill 2273, a one-time $300 income tax rebate for certain Pinal County residents funded from remaining escrowed transportation-related monies; members discussed whether the remaining funds should instead be directed to roads, but the bill advanced on a 3-2 vote. Finally, House Bill 2786 passed unanimously, exempting rental income from required college textbooks from transaction privilege tax under the personal property rental classification.

Transcript Highlights:

• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• They were told their insurance policy wasn't going to be renewed because their insurer wasn't writing
• Insurance costs from 2023 to 2024 for the Cowboy Church have covered. $35,000 to insurance companies.
• Their insurance companies...
• 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:

• When I do polling on windstorm insurance...
• I represent the Texas Coalition for Affordable Insurance Solutions. Insurance solutions.
• Any insurer may provide personalized property and casualty insurance that creates economies of scale
• We're an insurance distribution firm delivering tailored insurance solutions as individuals together.
• The insured is our client, and the insurance carrier is our trading partner.

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

Bills: SJR 2, SB 4, SJR 36, SJR 2, SB 4, SR 42, SR 74, SR 76, HCR 5, SB 710, SB 710

Keywords: SJR 2, Senate Joint Resolution 2, constitutional amendment, homestead exemption, property tax relief, school property tax, ad valorem tax, residence homestead, school district taxes, Texas Constitution Article VIII, public school finance, homeowner exemption, elderly exemption, senior tax relief, disabled exemption, tax year 2025, voter approval, November 2025 ballot, local government, Ways & Means

Transcript Highlights:

• that should have passed the House last year and said we're not giving up on our $100,000 Homestead exemption

Bills: SJR2, SB4, SJR36, SJR2, SB4, SR42, SR74, SR76, HCR5, SB710, SB710

Keywords: SJR 2, Senate Joint Resolution 2, constitutional amendment, homestead exemption, property tax relief, school property tax, ad valorem tax, residence homestead, school district taxes, Texas Constitution Article VIII, public school finance, homeowner exemption, elderly exemption, senior tax relief, disabled exemption, tax year 2025, voter approval, November 2025 ballot, local government, Ways & Means

Transcript Highlights:

• NAIFA, of course, National Association of Insurance. and financial advisors.

Bills: SJR2, SB4, SJR36, SJR2, SB4, SR42, SR74, SR76, HCR5, SB710, SB710

Keywords: SJR 2, Senate Joint Resolution 2, constitutional amendment, homestead exemption, property tax relief, school property tax, ad valorem tax, residence homestead, school district taxes, Texas Constitution Article VIII, public school finance, homeowner exemption, elderly exemption, senior tax relief, disabled exemption, tax year 2025, voter approval, November 2025 ballot, local government, Ways & Means

Transcript Highlights:

• If the claimant or the insured...
• Flood Insurance Program policies.
• It also under flood insurance policy would not just be limited to flood insurance program policies, but
• So, in essence, if insurance companies feel the need to raise insurance rates below a 5% threshold, they
• in a variety of insurance products.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Insurance will come to order. The clerk will call the roll. Dean. That's it.
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• The insurer isn't required to include the applicant in its provider directory until approved under the
• The insurer is entitled to payment from the provider and/or their practice to cover the difference from

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• Credit-based insurance scores have been used in insurance for a few decades.
• credit-based insurance scores (CBIS).
• American National Insurance. Okay.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• This required a health maintenance organization or an insurer to provide an exemption from prior authorization
• Insurers have used loopholes to deny exemptions, so much so that fewer than 4% of physicians in Texas
• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• assign to single insureds.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Bills: SB197, SB84, SB197, SB84

Keywords: business regulation, nonprofit entities, electronic filing, merger agreements, limited liability companies, partnerships, property transfer, termination fees, SB84, agricultural nonprofit, farm bureau, nonprofit agricultural organization, health benefits, member benefits, family coverage, health insurance exemption, insurance regulation, Title 27, Alabama insurance code, risk transfer