Transcript Highlights:

• policy based on non-payment of premium.
• of coverage for non-payment of premium, not other types of termination of coverage.
• policy based on non-payment of premium.
• Required by the bill is only in the context of termination of coverage for non-payment of premium, not
• a premium, that it is not canceled right when they are... ...or non-payment of a premium, that it is

Bills: HB2428, HB2399, HB2087, HB2629, HB2483, HB2477

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Summary: The Consumer Protection and Business Committee met on February 4, 2026, and did not hold public hearings. House Bill 2629 was removed from consideration and not advanced. The committee was briefed on House Bill 2428, which would require insurers to give 30 days’ written notice before an individual life insurance policy lapses for nonpayment and to notify applicants of the right to designate a third party for lapse notices; the committee adopted Representative Ryu’s amendment clarifying the notice applies to nonpayment lapses, adjusting proof-of-delivery language, and adding a January 1, 2027 effective date. The committee also considered House Bill 2399, which would prohibit assignment of post-loss property insurance benefits. Supporters described it as a way to curb predatory assignments that transfer policyholder rights to contractors, while opponents argued it can help homeowners get repairs completed and return home, especially after flooding or other losses. The bill was reported out on a narrow 8-7 vote, with members noting the issue may need further work. House Bill 2087, creating the Washington Travel Insurance Act, was also advanced after a proposed substitute made changes to conflict-of-law language, attorney exclusions, child support-related license suspension, supervision liability, and rate-setting provisions; it passed 12-3. The committee then took up House Bill 2483 on data brokers and a public registry. Members adopted three amendments: one narrowing exemptions for entities with customer or business relationships, one delaying penalties until notice of noncompliance and making the registry public, and one exempting publicly available or already published information. Supporters said the bill would make hidden data practices visible and improve transparency, while opponents warned it was still too broad and could sweep in retailers, public entities, or other unintended actors. The amended bill passed 8-7. Finally, House Bill 2477, with an amendment limiting appraiser liability to clients and named intended users and clarifying appraisal reports, was unanimously reported out of committee. The committee then adjourned after thanking staff on cutoff day.

Transcript Highlights:

• policies before it applies, that drives the cost of premiums.
• So I think it's important not just to talk about the cost of premiums, but the cost of care, how that
• So I think it's important not just to talk about the cost of premiums, but the cost of care, how that
• So I think it's important not just to talk about the cost of premiums, but the cost of care, how that
• Cost of individual premiums will before.

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:

• > and</c> varieties um of Realms of careers and varieties um of Realms of careers and opportunities<00
• of 1% of the that's just over one tenth of 1% of the reviewed<00:22:08.640><c> expenditures</c><00:22
• > cost</c><00:27:06.559><c> of</c> as many of you know the cost of as many of you know the cost of operations
• </c> purchase of land to the eligible uses of purchase of land to the eligible uses of the<00:41:51.960
• Faulk Seed has provided millions of dollars of premiums to farmers over our years in business.

Bills: HF1063

Keywords: grain buyers, grain dealer, grain elevator, agriculture, financial reporting, audit, CPA review, independent accountant, financial statement, balance sheet, cash flow, nonpublic data, licensee oversight, Minnesota Department of Agriculture, grain purchase volume, insolvency, nonpayment, warehouse chain, fiduciary duties, producer protection

Transcript Highlights:

• six Minnesotans, and we are in strong support of House File 4106 to ensure Minnesota continues the Premium
• The Premium Security Plan has been one of the few proven tools to stabilize the individual market.
• The Department of Commerce estimated that the program reduces premiums by about 20% compared to what
• This is an anticipation of being able to help keep insurance premiums affordable for individuals when
• This is an anticipation of being able to help keep insurance premiums affordable for individuals when

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• To Medicare supplement, but with the increasing differential in the premiums, a lot of healthy people
• I don't know how much better you can get than a zero-premium plan and only a $3,700 out-of-pocket max
• I don't know how much better you can get than a zero-premium plan and only a $3,700 out-of-pocket max
• ><c> yeah</c><00:15:28.639><c> to</c> of premiums representative alkin yeah to of premiums representative
• , and it would take even upwards of a decade for premiums to stabilize, based on the acuity of the new

Bills: HF2335, HF2400, HF2401, HF2522

Keywords: Medicare, health insurance, supplement policies, preexisting conditions, medical assistance, premium classification, real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, continuing education, out-of-state, licensing, commerce, fraud prevention, automobile theft, law enforcement, insurance crimes, 1183

Transcript Highlights:

• </c><00:11:49.600><c> generosity</c><00:11:50.079><c> of</c> of nonprofits and the generosity of of nonprofits
• </c> ca capable of using this type of ca capable of using this type of funding.<00:35:05.760><c> We</
• long-term</c> mistake of of ignoring the long-term mistake of of ignoring the long-term economic<00:36
• of the state of the future taxpayers of the state of Minnesota.<00:57:18.480><c> And</c><00:57:18.640
• :30.800><c> building</c><01:25:31.199><c> of</c> rate of investment and building of rate of investment

Bills: HF3403, HF3410, HF3424

Keywords: HF3403, emergency rental assistance, rental aid, homelessness prevention, housing crisis, imminent risk of homelessness, eviction prevention, county aid, Tribal governments, local government aids, general fund appropriation, Minnesota revenue commissioner, poverty level, low-income housing, housing stability, family homeless prevention and assistance, emergency housing assistance, eviction, rent, redemption

Transcript Highlights:

• We are in the process of every year now of the new city of St.
• of St.
• You know, I brought this on behalf of the administration of the City of St. George.
• Senate Bill 485 by Senator Edmonds provides for the levy of premium tax in the city of St. George.
• This transfers authority over insurance premium tax within the city of St.

Bills: SB348, SB444, SB485

Keywords: motor vehicles, enforcement, administrative support, law enforcement, private service provider, regulatory compliance, expropriation, public purpose, property rights, compensation, city governance, St. George, insurance premium tax, city of St. George, municipal authority, local taxation, East Baton Rouge Parish, 965, house, all

Transcript Highlights:

• this even came up, about the danger of the risks of bullying and coercion on social media and kind of
• and hundreds of millions of dollars of restitution being wiped out.
• </c><00:40:38.160><c> raised</c> kind of some of the concerns raised kind of some of the concerns raised
• </c><00:49:04.319><c> they</c> hearing some of the stories of what they hearing some of the stories of
• of the Department of is Liz Richard of the Department of Corrections<01:00:45.760><c> Victims</c><01:

Bills: HF2358, HF3496, HF3504, HF2169, HF3440

Keywords: public safety, coercion, criminal penalties, law enforcement, victim protection, HF3496, supervision abatement, earned compliance credit, earned compliance credits, conditional release, supervised release, corrections, Minnesota Department of Corrections, restitution, willful nonpayment, probation-like supervision, release supervision, community supervision, lifetime conditional release, early termination of supervision

Transcript Highlights:

• costs of claims.
• Madam Chair, members of the committee, Tammy Felon, on behalf of the Department of Labor and Industries
• I'm Mike Ennis here on behalf of the Building Industry Association of Washington, also in support of
• But the focus of the bill is to make sure that the users of the program are aware of the trade-offs,
• And so getting a little bit of information about the impact of those on the premium classes that have

Bills: SB6136, SB6188, SB5944

Keywords: workers' compensation, industrial insurance, premium rates, rate transparency, actuarial rates, contingency reserves, Department of Labor and Industries, L&I, risk classifications, employer premiums, insurance regulation, rate setting, premium increase limits, workers' compensation advisory committee, retrospective rating, state insurance fund, accident and medical aid funds, SB 6188, asbestos, asbestos training

Transcript Highlights:

• And for all of the members of this committee that continue to work on this.
• The purpose of this PCS and this bill was to ensure that there were also voices of electeds involved
• I believe there was a bit of a branding issue and frankly a bit of a communication issue.
• But we are here concluding our work of chamber of origin, the House of Representatives.
• That you've led with dignity and respect, and your service to the people of the state of Oklahoma and

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

Keywords: HB3783, plumbing apprentice, endorsed apprentice, endorsed plumbing apprentice, journeyman plumber, plumbing license, Construction Industries Board, Committee of Plumbing Examiners, apprenticeship, trade license, vocational education, occupational licensing, professional licensing, Title 59, Plumbing License Law of 1955, licensure exam, journeyman examination, apprentice registration, plumbing industry regulations, administrative penalty

Transcript Highlights:

• I am the director of the Office of Motor Vehicles.
• Like we put a bunch of them in the city of Scott.
• proof of payment of any fines as contemplated by revised statute... ...and proof of payment of any fines
• And it might be at a slightly higher premium, but we're not charging the rest of the state's residents
• May of last year? May of '25?

Bills: HB372, HB582, HB593, HB613, HB712, HB722, HB732, HB746, HB762, HB781, HB845, HB882

Keywords: roundabouts, public education, traffic safety, motor vehicles, driver education, reinstatement fees, vehicle liability, insurance coverage, grace period, lapse of coverage, local fees, transaction fees, funding, government authority, driver's license, state identification card, citizenship verification, eagle symbol, Department of Public Safety, homelessness

Summary: The House Transportation Committee heard an update from Office of Motor Vehicles leadership, who said the agency had achieved efficiencies, was operating in the black, had improved employee morale and staffing, and expected to begin testing the driver’s license portion of its modernization project in September. Members then took up several OMV-related bills. HB 781, creating a fleet vehicle registration program, was amended to delay implementation until January 1, 2028 or until the OMV registration system is updated, and was reported with amendments. HB 712, which waives OMV fees for driver’s licenses and state IDs for homeless persons who meet eligibility requirements, drew support from homelessness advocates and some members who said it would remove a barrier to work, safety, and housing; concerns were raised about verification and workload, but the bill was amended to require the department to waive fees and to require proof of homeless status, then reported by a recorded vote. HB 372, requiring OMV public education on roundabouts, was discussed as a safety and awareness measure, but the author agreed to voluntarily defer it in favor of pursuing a resolution or other approach. The committee also advanced HB 746 on oversized trucking permits after amendments clarified a one-year moratorium on new local permit requirements while preserving existing permits, and HB 732, which would allow the OMV commissioner to waive or reduce certain fees in humanitarian cases such as hospice, was reported favorably. HB 722, providing for automatic reinstatement of driver’s licenses after payment of fees and fines except for DUI-related suspensions, was amended and reported with amendments. HB 593, increasing the maximum local service fee for certain OMV field offices, prompted debate over costs to motorists and local control; an amendment exempted Shreveport, and the bill was reported with amendments by a 9-5 vote. HB 613, adding an eagle image to indicate U.S. citizenship on licenses and IDs, was amended and reported with a recorded 8-5 vote after members questioned its practical effect and recognition outside Louisiana. The committee also heard HB 582 and HB 762 on insurance lapse fees and debt recovery, with HB 582 reported favorably after the author agreed to work with another member on a similar bill, while HB 762 was discussed as a way to avoid adding a 15% Office of Debt Recovery fee to OMV-related debts.

Transcript Highlights:

• It's more of a technical question, or more of a technical amendment.
• of this bill.
• </c><00:32:54.440><c> of</c> programs but to bring something of of programs but to bring something of
• the failure of Mure. commissioner of it and you have heard my commissioner of it and you have heard
• c> going</c><00:41:18.880><c> into</c> instead of knowing instead of going into instead of knowing instead

Bills: HF11

Keywords: Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement

Transcript Highlights:

• One of the benefits of having both programs report into the same Department of Employment and Economic
• </c> probably more of a comment um but one of probably more of a comment um but one of the<00:01:47.799
• you</c> same time one of the benefits of you same time one of the benefits of you know<00:05:00.120><
• There are a lot of versions of some ideas coming.
• There are a lot of versions of some ideas coming.

Bills: HF11

Keywords: Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement

Transcript Highlights:

• c> housing of every type in every corner of housing of every type in every corner of the<00:03:16.400
• some of the programs of assistance.
• > of this housing committee at the end of of this housing committee at the end of the<00:24:31.200><c
• </c><00:40:28.640><c> of</c> a potential five alarm disaster of of a potential five alarm disaster of
• </c><01:19:22.159><c> supply</c> of some of their pro-ousing supply of some of their pro-ousing supply

Bills: HF3425, HF3424, HF1385

Keywords: supportive housing, grants, housing assistance, funding, Minnesota Statutes, eviction, rent, nonpayment of rent, landlord-tenant, residential tenant, notice to quit, unlawful detainer, housing, lease violation, late fees, rental assistance, legal aid, tenant rights, Minnesota Statutes 504B.321, pre-eviction notice

Transcript Highlights:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is for protections
• Oklahomans pay some of the highest insurance premiums in the nation.
• Oklahomans pay some of the highest insurance premiums in the nation.
• If you look at the price of coverage premiums and the deductibles and the cost of health care in general
• So I'm going to lump a couple of questions into kind of one.

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:

• So in a time of rising insurance premiums and decreased accessibility of health care, these low-cost
• All of that's part of it.
• But we believe the heart of this of saying, hey, where's your premium dollar going?
• When you have ...of saying, hey, where's your premium dollar going? Makes perfect sense.
• rate and ultimately your premium, when you see how much of a percentage that is, and that really gets

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:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is protections
• Oklahomans pay some of the highest insurance premiums in the nation.
• Look at the price of coverage premiums and the deductibles and the cost of health care in general, it's
• dollars to get out of it for the sole reason to keep... ...and pay thousands of dollars to get out of
• So I'm going to lump a couple of questions into kind of one.

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:

• died of cancer and my aunt carried this mutation, I had a 50% chance of carrying it as well.
• died of cancer and my aunt carried this mutation, I had a 50% chance of carrying it as well.
• As part of FORCE, I also work as a peer navigator, and I talk to a lot of other people.
• I guess my question is: the three basic types of insurance that I'm aware of are long-term care, life
• Opponents of the legislature. Health history for hundreds of years before that.

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:

• How about a church in North Texas that has premiums of $42,000 with a $300,000 deductible?
• The Texas Fair Plan Association pays premium and maintenance taxes to the Texas Department of Insurance
• I think, again, this money can go back into paying claims and/or reduction of premiums.
• can use every single penny of its premium dollar to go into the CRTF and pay those claims, it being
• I want to emphasize the fact that the purpose of this bill is to potentially reduce overall premiums

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:

• The premium dollar of TWIA is money that does not go into the Catastrophe Reserve Trust Fund that they
• dollars, which was about fifty percent of our premium income.
• That ultimately brings down the total cost because it gets the conglomeration of all of the premiums.
• Right, the premium is a percentage of the cost of the house, the value of the house.
• Premium tax revenue, all of which flows into general revenue, was $6.7 billion.

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