Transcript Highlights:

• report information. report information.
• exits, and potentially raising premiums exits, and potentially raising premiums for<00:36:58.400
• on patient care and this of premiums on patient care and this bill<00:37:42.000> is<00:37:42.240
• <00:38:04.480> Refund increased premium rates. Refund increased premium rates.
• We already meet many of the reporting and transparency requirements included in this bill.

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:

• And by your vote, CS for SB 834 is reported favorably.
• Deleting reporting requirement, Senator Gruters. Okay.
• By your vote, CS for SB 1028 is reported favorably.
• And by your vote, Senate Bill 394 is reported favorably.
• And by your vote, CS for SB 540 is reported favorably.

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:

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

Transcript Highlights:

• but each new mandate increases premiums but each new mandate increases premiums for<00:03:13.920
• shifted directly onto premium payers. shifted directly onto premium payers.
• are passed on to premium payers.
• their rates and lower premiums. their rates and lower 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

Summary: The committee approved the minutes from the prior day and then heard House File 400, a bill described as a defrayal measure for health insurance mandates. Representative Perryman said the bill would not block future mandates, but would require the state to pay the added costs of any new mandated benefits so those costs would not be shifted to premium payers. She and supporters framed the bill as a way to protect affordability for Minnesota employers, workers, and families, especially in the fully insured market. Testimony in support came from the Minnesota Chamber of Commerce and the Minnesota Council of Health Plans. They argued that Minnesota has a high number of mandated benefits, that each new mandate adds cost to premiums, and that businesses—especially small and midsize employers—are already struggling with rising health insurance costs. The health plans representative said the bill would use the existing Commerce defrayal process to reimburse plans for eligible mandate-related claims, allowing those costs to be removed from premium rates. Several members echoed support, saying the bill would improve transparency by showing the fiscal impact of proposed mandates and help prevent people from being priced out of coverage. Members also explored how mandates apply in the market and how premiums are set. Deputy Commissioner Julia Dryer explained that, unless otherwise specified, mandates generally apply to the individual, small group, and fully insured large group markets, while self-insured ERISA plans and other markets are generally outside that scope. Representative Elkins noted that the affected market is relatively small and said small businesses are increasingly moving to self-insured plans because of cost. He and others raised concerns about affordability, while Representative Smith argued that mandates often ensure needed care and that the bill shifts costs to taxpayers rather than insurers. Representative Bacham added a personal example from tribal self-insurance, saying preventive physicals had saved lives and asking whether other factors besides mandates are driving insurer costs. No amendments were offered, and the bill was laid over for possible future consideration.

Transcript Highlights:

• By your vote, CS for SB 896 is reported favorably.
• By your vote, SB 712 is reported favorably. Thank you, Senator.
• By your vote, SB 712 is reported favorably. Thank you, Senator.
• By your vote, CS for CS for SB 1224 is reported favorably. Thank you. All right.
• Senators, by your vote, CS for CS for SB 758 is reported favorably and unanimously.

Bills: S0086, S0642, S0712, S0758, S0896, S1224, S1300, S1370, S1712

Keywords: unauthorized aliens, commercial motor vehicles, safety regulations, civil penalties, law enforcement, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, pyramid schemes, consumer protection, fraud prevention, legal affairs, penalties, justice, administrative commission, membership, state attorneys, public defenders

Summary: The committee met with a quorum present and took up a series of bills, beginning with SB 1300 on education and workforce development for current and former inmates. Senator Claudio explained that the bill is intended to expand collaboration between the Department of Transportation and the Department of Corrections to provide training opportunities tied to Florida’s need for CDL drivers. The bill was reported favorably without debate. Members then considered SB 896 on campus safety, as amended by strike-all and late-filed amendment. The bill would require postsecondary institutions to adopt active assailant response plans, conduct security risk assessments, improve threat reporting and information sharing, and allow voluntary participation in the guardian program; the late-filed amendment removed a prohibition on guardians wearing uniforms. After questions about the firearm-discharge provision near campuses and testimony both for and against, the committee reported the bill favorably. The committee also reported favorably SB 86 on commercial motor vehicles operated by unauthorized aliens, SB 642 on foreign and alien bail bond insurers, and confirmed appointees listed on tabs 10 through 19. The committee next heard SB 712 on pyramid promotional schemes, which would create a new prohibition and increase penalties while preserving legitimate direct sales plans. Members raised concerns about whether participants in such schemes might themselves be victims, and the sponsor said prosecutorial discretion would distinguish victims from primary wrongdoers; the bill was reported favorably. SB 1224 on rental housing application fraud was also amended and reported favorably after testimony from apartment and realtor groups in support. In the latter part of the meeting, Chair Martin presented SB 1370 to expand habitual traffic offender status to repeated unlicensed driving, and SB 1712 to create a statewide FDLE counterintelligence and counterterrorism unit. SB 1370 was reported favorably unanimously. SB 1712 drew extensive questioning and public opposition over concerns about broad language, surveillance, and possible impacts on speech and protest, but the sponsor said the unit would focus on protecting the state from adversary intelligence threats and operate within constitutional limits; it was reported favorably. Finally, SB 758 on the Justice Administrative Commission was amended to adjust commission membership and reported favorably unanimously. The committee then recorded additional votes for members and adjourned.

Transcript Highlights:

• proposing a premium subsidy or a premium proposing a premium subsidy or a premium write<00:13:47.800
• <00:19:16.919> by the highest at reducing premiums by the highest at reducing premiums by
• The Department of Commerce reports the premiums in the individual market are about 25% lower than they
• creates a link to this report.
• so I don't know if insurance premium so I don't know if this<01:07:41.799> report<01:07:42.200

Bills: HF837

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

Transcript Highlights:

• Texas's premium tax right now is 1.6 percent.
• Having all reports in one location will facilitate finding deficiencies in those reports and give the
• We have a report. We have a report that we got.
• News and World Report.
• Energy journals report that, quote,...

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

Transcript Highlights:

• responsible for reporting, and if they did, who they should report it to.
• We talk about mandatory reporting. I used to do mandatory reporting.
• It'll be reported favorable. Senate Bill 465 will be reported favorable as amended.
• The premium increase would be very minimal to It would roll into premiums, the premium increases would
• The premium increase would be very minimal to It would roll into premiums, the premium increases would

Bills: SB83, SB135, SB143, SB155, SB157, SB202, SB237, SB261, SB276, SB295, SB450, SB465, SB506, HB1070

Keywords: human trafficking, trafficking prevention, school safety, public schools, elementary and secondary education, charter schools, mandatory reporting, victim identification, victim services, child trafficking, sex trafficking, labor trafficking, commercial sexual activity, DCFS, Department of Children and Family Services, Louisiana State Police, governor's office of human trafficking prevention, counselor training, mental health professional, administrator training

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:

• 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.
• rate regulation is not really moving the needle, but other states also have had increases in their premiums
• Thank you for that question. ...have had increases in their premiums as well.

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:

• better you can get than a zero premium better you can get than a zero premium and<00:16:11.360><
• <00:24:28.880> for the Medicare supplement premiums for the Medicare supplement premiums for
• you'd find if you pulled the report you'd find if you pulled the report representative<00:26:40.440
• There's reporting that will be built into that.
• protected the money there's reporting protected the money there's reporting that<01:08:07.000>

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:

• 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
• premium taxes, and administer those taxes.
• Chairman, at the appropriate time, I'd ask that we report the bill favorably. Thank you, Senator.

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:

• The reports required under this section are statistical reports to be used only for medical and health
• is this reporting requirement.
• Is there a medical reason to report?
• When the report is made, the physician's name is placed in that report.
• Reporting trends and reporting the fact that public dollars are being spent, I think, is the big... .

Bills: SB30, SB43, SB50, SB136

Keywords: SB30, induced abortion, abortion reporting, vital statistics, public health reporting, medical records, health care providers, repeal, New Mexico, pregnancy termination, abortion data, state reporting requirements, confidentiality, reproductive health, parole, life imprisonment, rehabilitation, criminal justice, victim rights, law enforcement

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

Summary: The committee heard three measures. HB 2013 would require the Arizona Department of Environmental Quality to submit an exceptional event demonstration to the EPA when wildfires on federally managed land affect Arizona air quality. Sponsor Rep. Lisa Fink said the bill is intended to prevent Arizona from being penalized for wildfire-driven air quality problems and could help reduce regulatory burdens. Sierra Club opposed the bill, arguing the existing exceptional-event process already requires case-by-case analysis, that automatic filings could be unnecessary or ineffective, and that the bill lacked an appropriation. ADEQ testified neutral. The committee approved HB 2013 on a 5-1 vote. HB 2292 would create the Wildfire Prevention Authority and Fund under the Arizona Department of Forestry and Fire Management; a committee amendment renamed it the Wildfire Mitigation and Risk Reduction Authority and Fund, capped administrative expenses at 8%, and prioritized funding for single-family and multi-family dwellings. Supporters, including Coconino County Vice Chair Geronimo Vasquez and the County Supervisors Association, said the bill would provide a coordinated, data-driven wildfire mitigation program funded by a $20 million annual diversion from insurance premium tax revenues, helping reduce wildfire damage and stabilize insurance costs. Members discussed the funding source as an existing tax diversion rather than a new tax. The committee adopted the amendment and then passed HB 2292 as amended on an 8-0 vote. HCM 2011 urges Congress to pass federal legislation to delist the Mexican wolf, defund the reintroduction program, and transfer management to local authorities. The sponsor said the memorial responds to ranching impacts from wolf predation and supports federal action already moving in Congress. Sierra Club opposed the memorial, saying the species remains insufficiently recovered and that delisting would be premature. After debate, including comments both supporting and opposing delisting, the committee approved HCM 2011 on a 5-2 vote and then adjourned.

Transcript Highlights:

• When I did report, I reported everywhere: the police department, the school district, the New Mexico
• Else seeing that condition and reporting it to state or police, reporting it to the Attorney General,
• The reports required under this section are statistical reports to be used only for medical and health
• Senator, the data that you are seeing come from voluntary reports and from other government reporting
• Guttmacher reports more frequently; it's usually a monthly report.

Bills: SB41, SB33, SB32, SB30

Keywords: sexual crimes, statute of limitations, criminal justice, victim rights, child abuse, individualized treatment, investigational treatment, health care, life-threatening illness, patient rights, physician recommendation, informed consent, human trafficking, sexual exploitation, child protection, prosecution, crime amendments, SB30, induced abortion, abortion reporting

Transcript Highlights:

• Senate Bill 964 revises requirements for reporting certain gifts and honoraria.
• The bill implements the Commission on Ethics' recommendations for clearly mandating that reporting individuals
• By your action, the bill is reported favorably. Thank you, Senator Wright.
• By our action, the nominees have been approved and will be reported favorably to the Senate.
• By our action, the nominees have been approved and will be reported favorably to the Senate.

Bills: S0964

Keywords: financial disclosures, ethics, government transparency, gift reporting, procurement

Summary: The committee convened with a quorum present and Senator Polsky excused. The main bill heard was Senate Bill 964, sponsored by Senator Wright on behalf of Senator Stewart, which revises financial disclosure reporting requirements for certain gifts and honoraria. The bill is intended to conform the filing process for Ethics Commission Form 10 by clarifying that it is filed with the Commission, rather than attached electronically to financial disclosure forms, and to allow the Commission to update its rules accordingly. Carrie Stillman, executive director of the Ethics Commission, testified in support of the bill, saying it clarifies the filing location and reflects current practice. There was no debate, and the committee voted unanimously to report SB 964 favorably. The committee then took up confirmation hearings for appointments listed in Tabs 2 through 15. No appointee was requested to be heard separately, and the committee approved all of the nominees in one vote. The meeting concluded after a motion to rise was adopted.

Bills: SB1928, SB259

Keywords: groundwater, water rights, waste prevention, conservation, permitting, Oklahoma Water Resources Board, OWRB, water permits, water use reporting, metering, permit enforcement, groundwater waste, well permitting, cease and desist, fines and penalties, permit suspension, data centers, data processing facilities, cooling systems, evaporative cooling

Transcript Highlights:

• Chair, if I may, I want to make sure, with the delay in this, there's no premiums that would be paid

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
• 05:00.360> having<00:05:00.680> both<00:05:00.960> programs<00:05:01.400> report
• know kind of having both programs report know kind of having both programs report into<00:05:02.320

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:

• By making Public Integrity Commission reports available on the commission's website.
• a committee after being cited for failure to file reports.
• It extends the automatic reporting. the case. It extends record retention requirements.
• after being cited for failure to file reports.
• tardy report and pay all the fines, is deemed inactive.

Bills: HB344

Keywords: campaign finance, elections, transparency, political committees, reporting requirements, enforcement

Summary: The Senate Elections and Government Affairs Committee heard several election- and campaign-related bills. House Substitute 2 for House Bill 155 would make Public Integrity Commission reports publicly available on the commission’s website, add a specific travel-expense reporting category, and remove the FOIA requirement for accessing reports; Senator Richardson said he supported the transparency measure and asked to be added as a co-sponsor. The committee also took up House Bill 444, the Delaware John Lewis Voting Rights Act, which would create state protections against voter suppression and vote dilution, expand language access, prohibit intimidation and deception, and allow court remedies for violations. The bill drew strong support from advocacy groups including YWCA Delaware, the League of Women Voters, the ACLU, and the Legal Defense Fund, and several senators voiced support and interest in moving it quickly. House Bill 430, a constitutional amendment proposal, would make explicit that only natural persons may vote in Delaware elections, including municipal elections, in response to concerns about corporate or other artificial-entity voting in some towns. The discussion focused heavily on Fenwick Island, where the mayor testified that the town’s charter has long allowed certain artificial entities to vote in local elections and said the system is limited and has worked for years; other speakers argued the bill was needed to prevent corporate dilution of residents’ votes. Senator Richardson expressed concern about restricting entities with a local stake, while Senator Hoffner and others emphasized the principle of one person, one vote. Senator Townsend presented House Bill 344, which would tighten campaign finance rules by requiring Delaware bank accounts for candidates and committees, recurring training, better documentation of candidate loans, longer record retention, automatic filing extensions, and inactive status for noncompliant committees; one public commenter opposed the bill on cost grounds. He also presented House Bill 448, which would allow campaign funds to be used for reasonable security expenses for candidates and elected officials, with guardrails, and a commenter suggested allowing electronic security systems without a cap. Finally, the committee heard House Bill 472, a local de-annexation measure for Noble’s Pond in Cheswold to remove scattered residential lots from town boundaries and resolve uneven tax treatment; Senator Hoffner noted local law enforcement supported the change. The committee adjourned after hearing no further public comment on HB 472, and the vote to adjourn was unanimous.