Transcript Highlights:

• cancellation of life insurance policies, current law requires that life insurance policies include a grace
• period of one month, but not less than 30 days, within which payment of any premium after the first
• Policies for which payment of the premium is due monthly or more frequently, and term life insurance
• Inflated claims costs drive up our premiums.
• And typically there's a 30-day waiting period. Typically, there's a 30-day waiting period.

Bills: HB2428, HB2399, HB2087

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 committee held public hearings on three insurance bills. House Bill 2428 would require life insurers to send advance written notice before terminating an individual life insurance policy for nonpayment, including notice of the three-year reinstatement right, and would allow policyholders to designate a third party to receive lapse notices. The prime sponsor and the Office of the Insurance Commissioner said the bill is intended to prevent unintentional lapses, especially for older adults or people with cognitive decline. The life insurance industry supported the consumer goal but asked for a delayed implementation date and noted a need for a small technical amendment. House Bill 2399 would prohibit post-loss assignments of benefits in property insurance, making such agreements void and subject to enforcement by the Insurance Commissioner. The prime sponsor, the OIC, the Washington State Association for Justice, PEMCO, and the National Insurance Crime Bureau all testified in support, saying the practice can let contractors take over claim rights, create leverage for inflated claims, and leave homeowners without control over their own insurance claims after a loss. Members asked about steering by adjusters, whether homeowners could still authorize contractors or direct payment, and the size of the proposed $50,000 fine; witnesses said the bill does not bar direct payment to contractors or other lawful representation and that the penalty would go to the general fund. House Bill 2087 would enact the Washington Travel Insurance Act, largely based on the NAIC model, to regulate travel insurance sales, licensing, disclosures, and unfair trade practices. The sponsor and industry witnesses said the bill would expand consumer choices and standardize rules, while the OIC supported much of the framework but raised concerns about claim adjustment by unlicensed adjusters. The Attorney General’s Office asked for language clarifying that existing discrimination and consumer protection laws still apply. The committee then moved into work sessions on flood insurance, wildfire mitigation recommendations from a prior work group, and a feasibility study on a joint underwriting association for certain child care services, with staff and agency presentations outlining current market conditions and policy options.

Transcript Highlights:

• day on which coverage under an individual life insurance policy will lapse based on non-payment of premium
• notice required by the bill is only in the context of termination of coverage for non-payment of premium
• day on which coverage under an individual life insurance policy will lapse 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
• , that it is not canceled right when they are... ...or non-payment of a premium, that it is not canceled

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.

Bills: HCR32, HCR53, HCR60, HCR68, HB582, HB730, HB762

Keywords: Saint Claude Avenue Bridge, Port of New Orleans, backup motors, infrastructure, traffic management, oversized vehicles, permitting, economic impact, transportation, local regulations, Louisiana economy, Interstate 12, I-12, Interstate 55, I-55 interchange, DOTD, Department of Transportation and Development, D.R.I.V.E. Initiative, highway infrastructure, transportation planning

Transcript Highlights:

• period from 10 to 15 days when someone's auto insurance lapses.
• amount, but beyond that, I provide a 15-day lapse grace period.
• This question is: why not have just extended the, I'm going to say, for lack of terms, amnesty period
• But when it went out, was it for a period of time? It wasn't forever? It was not forever.
• It was just that period of time. Okay. So that makes a difference then to me. ...lend to me.

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:

• </c> but each new mandate increases premiums but each new mandate increases premiums for<00:03:13.920
• </c> shifted directly onto premium payers. shifted directly onto premium payers.
• </c> their rates and lower premiums. their rates and lower premiums.
• Is it upfront with the premiums?
• Is it upfront with the premiums?

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:

• </c> proposing a premium subsidy or a premium proposing a premium subsidy or a premium write<00:13:47.800
• </c><00:19:16.919><c> by</c> the highest at reducing premiums by the highest at reducing premiums by
• </c> doesn't act and Congress does premiums doesn't act and Congress does premiums would<00:25:26.279
• </c> further increases in the premiums further increases in the premiums uh<00:26:59.840><c> repeat</
• </c> having insurance and paying premiums having insurance and paying premiums that<00:31:22.799><c>

Bills: HF837

Keywords: health insurance, premium security plan, federal funding, state innovation waiver, Minnesota, 1183, house

Transcript Highlights:

• ><c> market</c><00:15:36.520><c> would</c> Premiums in the individual market would Premiums in the individual
• </c><00:21:21.200><c> Chair</c> as premium goes? Mr. Cotter. Mr. Chair as premium goes? Mr. Cotter.
• </c> onto premium payers. onto premium payers.
• </c> insurance in their premiums. insurance in their premiums.
• </c> advertisements at a higher premium. advertisements at a higher premium.

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

Bills: HB2720, HB2073, HB2681

Keywords: behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, cannabis, license fees, regulatory framework, revenue generation, legalization

Summary: The House opened with the Pledge of Allegiance and a prayer recognizing Black History Month, reflecting on sacrifice, justice, and the responsibility of legislators to serve with humility, courage, and dignity. The body then approved the previous day’s minutes and adopted House Resolution 4701 honoring Black History Month without objection. After the resolution, both Democratic and Republican caucuses were called, and the House briefly went at ease. The chamber then handled routine business: first-reading referral of bills, memorials, and resolutions from the introduction sheet, referral of bills from committee reports, and placement of Engrossed Senate Bill 5272 and Senate Concurrent Resolution 8406 onto the second reading calendar after the Rules Committee was relieved of them. No floor debate or recorded votes on substantive legislation occurred in this segment. The House announced that floor action had concluded for the day and adjourned until 10:30 a.m. Thursday, February 26th.

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.
• And then the same period, Oklahoma had a 51% increase from 2019 to 2024 as reported by Nondock.
• It would change the use-and-file system to a file-and-use system with a 60-day review period.

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:

• Senate Bill 6136 pertains to L&I rate setting for workers' compensation premiums.
• In recent years, L&I has used this reserve to keep premium rate increases lower than the actual expected
• indicated rate for each workers' compensation risk classification as part of its annual proposed premium
• If L&I limits the maximum premium rate increase for any class below that actuarially indicated rate,
• Today, when premium increases are capped below actuarially indicated levels, the full picture is not

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:

• The comment period on the matters before us today will close upon adjournment of this hearing.
• This has caused many Texans to be without water for an extended period of time and unnecessary extended
• We would like to address the challenge that we had last year during the period when we participated in
• We would like to have a longer time period to do the locates.
• Period. Representative Propo. Thank you, Mr. Chairman. So this has certainly been enlightening.

Bills: HB206

Keywords: HB206, school district bonds, bond election, voter approval, Education Code, Chapter 45, Section 45.003, Section 45.0034, Texas schools, school finance, local tax election, bond referendum, school construction, capital improvements, election frequency, five-year waiting period, district bonds, public school funding

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.
• And then, in the same period, Oklahoma had a 51% increase from 2019 to 2024 as reported by Nondock.
• Thank you for that question. ...have had increases in their premiums as well.
• It would change the use-and-file system to a file-and-use system with a 60-day review period.

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

Bills: HB113

Keywords: HB 113, Texas, Government Code Chapter 1253, general obligation bonds, bond election, voter approval, political subdivision, local government, city bonds, county bonds, school district bonds, capital projects, public finance, bond referendum, ballot measure, five-year waiting period, rejected proposition, election law, municipal finance

Transcript Highlights:

• During this period, an enrollee cannot be charged higher premiums based on health nor require medical
• During this period, an enrollee cannot be charged higher premiums based on health nor require medical
• During this period, an enrollee cannot be charged higher premiums based on health nor require medical
• During this period, an enrollee cannot be charged higher premiums based on health nor require medical
• </c> better you can get than a zero premium better you can get than a zero premium and<00:16:11.360><

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:

• Sometimes, when you have some illnesses, they can be for longer periods of time.
• It's for a case or two normally and not for an extended period of time.
• I think for a period of time last term or a term before, I might have been the only person who actually
• And then also I'm concerned about being in session for five or six months, a long period of time.
• Being in session for five or six months, a long period of time, that's going to beat up a lot of our

Bills: HB177, HB210, HB238, HB258, HB307, HB359, HB398, HB661, HB705, HB752, HB858

Keywords: court reporter, official court reporter, courts, judicial system, ethics, post-employment restrictions, cooling-off period, two-year waiting period, rehiring, reemployment, contractual services, former public employee, public employer, Louisiana ethics law, R.S. 42:1121, Act 532, lobbying, public service, statewide officials, compensation

Transcript Highlights:

• 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.
• So it clarifies that insurers may only be subject to one local insurance premium tax for the same risk
• It defines insurance premium tax as a municipal license tax imposed on insurers, which is all consistent
• premium taxes, and administer those taxes.

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:

• adult, you're in there for about a year, and if you're a high school student, then it's a two year Period

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:

• Rising insurance premiums are not Arizona-specific, but are due to inflation and increased incidence
• Insurance premium tax revenues have seen substantial growth in recent years; from FY24 to FY25, they
• It takes money from the insurance premium tax collection.
• So on each insurance premium written in the state, there is a small percentage that goes to a tax.
• So on each insurance premium written in the state, there is a small percentage that goes to a tax.

Bills: HB2013, HB2292, HB2334, HB2349, HB2350, HB2845, HCM2011

Keywords: air pollution, wildfires, environmental standards, public health, Arizona Revised Statutes, wildfire, wildfire mitigation, wildfire prevention, forest fire, brush removal, defensible space, community hardening, vegetation management, fire-resistant construction, wildland urban interface, WUI, insurance premium tax, property insurance, homeowners insurance, commercial property insurance

Transcript Highlights:

• A plumber or plumbing contractor who accrues three infractions in a three-year period is subject to credential
• The program is funded through a premium paid by employers and employees, and the total premium rate is
• That report must include the lowest premium rates necessary to maintain solvency of the PFML account
• The bill retains the total premium rate cap of 1.2%. ...limiting fluctuations in premium rates, and by
• The bill retains the total premium rate cap of 1.2%.

Bills: SB6134, SB6136, SB6188

Keywords: unemployment insurance, UI benefits, striking workers, strike, labor dispute, retroactive wages, overpayment assessment, overpayment recovery, Employment Security Department, ESD, claimant notice, benefit recoupment, Washington unemployment law, worker notice, federal unemployment tax credit, state unemployment fund, workers' compensation, industrial insurance, premium rates, rate transparency

Transcript Highlights:

• administrative and benefits administration costs, driving insurer exits, and potentially raising premiums
• </c> exits, and potentially raising premiums exits, and potentially raising premiums for<00:36:58.400
• <c> least</c><00:37:37.920><c> 83%</c> spend at least 83% spend at least 83% of<00:37:39.839><c> premiums
• on patient care and this of premiums on patient care and this bill<00:37:42.000><c> is</c><00:37:42.240
• </c><00:38:04.480><c> Refund</c> increased premium rates. Refund increased premium rates.

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.