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CS/CS/SB 1598: Consumer Protection

GENERAL BILL by Appropriations ; Banking and Insurance ; Gruters

Consumer Protection; Deleting authorization for consumer reporting agencies to charge a fee for reissuing or providing a new unique personal identifier to a consumer; revising a requirement for persons licensed or authorized by the Department of Financial Services or the Office of Insurance Regulation to respond to the department’s Division of Consumer Services regarding consumer complaints; deleting a fee for adjusting firm licenses; authorizing the department to disapprove the use of insurance agency names containing the word “Medicare” or “Medicaid”; revising the timeframes in which an insured or a claimant may cancel a public adjuster’s contract to adjust a claim without penalty or obligation; revising disclosure requirements for certain classes of insurance before being eligible for export under the Surplus Lines Law, etc.

Effective Date: except as otherwise provided
Last Action: 6/17/2021 - Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77)
Bill Text: Web Page | PDF

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  • Bill History

    Date Chamber Action
    2/24/2021 Senate • Filed
    3/2/2021 Senate • Referred to Banking and Insurance; Appropriations Subcommittee on Agriculture, Environment, and General Government; Appropriations -SJ 153
    • Introduced -SJ 152
    3/11/2021 Senate • On Committee agenda-- Banking and Insurance, 03/16/21, 9:30 am, 412 Knott Building
    3/16/2021 Senate • CS by Banking and Insurance; YEAS 12 NAYS 0 -SJ 271
    3/17/2021 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    3/18/2021 Senate • Now in Appropriations Subcommittee on Agriculture, Environment, and General Government
    • CS by Banking and Insurance read 1st time -SJ 278
    3/19/2021 Senate • On Committee agenda-- Appropriations Subcommittee on Agriculture, Environment, and General Government, 03/24/21, 4:30 pm, 110 Senate Building
    3/24/2021 Senate • Subcommittee Recommendation: CS/CS by Appropriations Subcommittee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0 -SJ 325
    3/26/2021 Senate • Now in Appropriations
    4/12/2021 Senate • On Committee agenda-- Appropriations, 04/15/21, 9:00 am, 412 Knott Building
    4/14/2021 Senate • On Committee agenda-- Appropriations, 04/19/21, 10:00 am, 412 Knott Building
    4/15/2021 Senate • CS/CS by- Appropriations; YEAS 11 NAYS 9 -SJ 472
    4/18/2021 Senate • Pending reference review -under Rule 4.7(2) - (Committee Substitute)
    4/19/2021 Senate • Placed on Calendar, on 2nd reading
    • Placed on Special Order Calendar, 04/21/21 -SJ 559
    4/20/2021 Senate • CS/CS by Appropriations read 1st time -SJ 484
    4/21/2021 Senate • Read 2nd time -SJ 515
    • Amendment(s) failed (332786) -SJ 558
    • Placed on 3rd reading
    4/22/2021 Senate • Read 3rd time -SJ 576
    • CS passed; YEAS 34 NAYS 3 -SJ 577
    4/22/2021 House • In Messages
    4/26/2021 House • Bill referred to House Calendar
    • Bill added to Special Order Calendar (4/27/2021)
    • 1st Reading (Committee Substitute 2)
    4/27/2021 House • Read 2nd time
    • Placed on 3rd reading
    • Added to Third Reading Calendar
    4/28/2021 House • Read 3rd time
    • CS passed; YEAS 114, NAYS 1
    • Message sent to senate
    4/28/2021 Senate • Ordered enrolled -SJ 846
    6/14/2021 • Signed by Officers and presented to Governor
    6/16/2021 • Approved by Governor
    6/17/2021 • Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77)

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  • CS/CS/SB 1598, Enrolled (Current Bill Version) Posted 4/28/2021 at 6:53 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (5)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 717 (c2) Consumer Protection Clemons, Sr. Similar Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
    H 305 (c2) Insurance Commerce Committee Compare Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77), CS/CS/SB 1598 (Ch. 2021-104)
    H 471 Legislative Review of Occupational Regulations Rizo Compare Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 76 (er) Insurance Boyd Compare Last Action: 6/14/2021 Chapter No. 2021-77, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 344 (c1) Legislative Review of Occupational Regulations Diaz Compare Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

    Citations - Statutes (21)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 4 (pdf)
    624.307 General powers; duties. Page 4 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 5 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 5 (pdf)
    626.602 Insurance agency names; disapproval. Page 7 (pdf)
    626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 7 (pdf)
    626.782 “Industrial class insurer” defined. Page 8 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 8 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 8 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 8 (pdf)
    626.916 Eligibility for export. Page 11 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 13 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 14 (pdf)
    626.9953 Qualifications for registration; application required. Page 15 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 15 (pdf)
    627.062 Rate standards. Page 16 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 16 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 17 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 20 (pdf)
    631.57 Powers and duties of the association. Page 24 (pdf)
    631.904 Definitions. Page 26 (pdf)

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  • CS/CS/SB 1598, Committee Substitute 2 Posted 4/18/2021 at 2:15 PM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations (Post-Meeting) 4/18/2021 (pdf)

    Related Bills (4)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 717 (c2) Consumer Protection Clemons, Sr. Similar Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
    H 305 (c2) Insurance Commerce Committee Compare Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77), CS/CS/SB 1598 (Ch. 2021-104)
    H 471 Legislative Review of Occupational Regulations Rizo Compare Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 344 (c1) Legislative Review of Occupational Regulations Diaz Compare Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

    Floor Amendments (1)

    Amendment Sponsor Filed Last Floor Action Format
    332786 - Amendment
    Between lines 568 and 569 insert:
    Farmer 4/19/2021
    7:42 PM
    Senate: Failed
    4/21/2021
    Web Page
    PDF

    Floor Votes (2)

    Date Chamber Result
    4/22/2021 10:12 AM Senate 34 Yeas - 3 Nays
    4/28/2021 1:44 PM House 114 Yeas - 1 Nays

    Citations - Statutes (21)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 4 (pdf)
    624.307 General powers; duties. Page 4 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 5 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 5 (pdf)
    626.602 Insurance agency names; disapproval. Page 7 (pdf)
    626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 7 (pdf)
    626.782 “Industrial class insurer” defined. Page 8 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 8 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 8 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 8 (pdf)
    626.916 Eligibility for export. Page 11 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 13 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 14 (pdf)
    626.9953 Qualifications for registration; application required. Page 15 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 15 (pdf)
    627.062 Rate standards. Page 16 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 16 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 17 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 20 (pdf)
    631.57 Powers and duties of the association. Page 24 (pdf)
    631.904 Definitions. Page 26 (pdf)

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  • CS/SB 1598, Committee Substitute 1 Posted 3/17/2021 at 3:49 PM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations Subcommittee on Agriculture, Environment, and General Government (Pre-Meeting) 3/23/2021 (pdf)
    Appropriations Subcommittee on Agriculture, Environment, and General Government (Post-Meeting) 3/26/2021 (pdf)
    Appropriations (Pre-Meeting) 4/13/2021 (pdf)
    Appropriations PCS 146092 (Pre-Meeting) 4/13/2021 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 717 (c1) Consumer Protection Clemons, Sr. Similar Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
    H 471 Legislative Review of Occupational Regulations Rizo Compare Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 344 (c1) Legislative Review of Occupational Regulations Diaz Compare Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

    Proposed Committee Substitutes (1)

    PCS and Amendments Sponsor Filed Last Committee Action Format
    146092 - Proposed Committee Substitute Appropriations 3/26/2021
    2:23 PM
    Replaced by Committee Substitute
    4/17/2021
    Web Page
    PDF
    hierarchy 205350 - Amendment (146092)
    Delete lines 303 - 691 and insert:
    Appropriations
    (Gruters)
    4/14/2021
    9:22 AM
    Replaced by Committee Substitute
    4/17/2021
    Web Page
    PDF

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    917526 - Amendment
    Delete lines 98 - 799 and insert:
    Appropriations Subcommittee on Agriculture, Environment, and General Government
    (Gruters)
    3/23/2021
    4:29 PM
    Replaced by Committee Substitute
    3/24/2021
    Web Page
    PDF

    Committee Votes (2)

    Date Committee Result
    3/24/2021 4:30 PM Appropriations Subcommittee on Agriculture, Environment, and General Government 11 Yeas - 0 Nays
    4/15/2021 9:00 AM Appropriations View Vote Record

    Citations - Statutes (26)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 4 (pdf)
    624.307 General powers; duties. Page 4 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 5 (pdf)
    626.015 Definitions. Page 5 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf)
    626.602 Insurance agency names; disapproval. Page 8 (pdf)
    626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 8 (pdf)
    626.7315 Prohibition against the unlicensed transaction of general lines insurance. Page 9 (pdf)
    626.782 “Industrial class insurer” defined. Page 11 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf)
    626.7845 Prohibition against unlicensed transaction of life insurance. Page 11 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 12 (pdf)
    626.8305 Prohibition against the unlicensed transaction of health insurance. Page 12 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 13 (pdf)
    626.916 Eligibility for export. Page 15 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 16 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 17 (pdf)
    626.9953 Qualifications for registration; application required. Page 19 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 19 (pdf)
    627.062 Rate standards. Page 20 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 20 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 20 (pdf)
    627.7031 Page 24 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 24 (pdf)
    631.57 Powers and duties of the association. Page 28 (pdf)
    631.904 Definitions. Page 30 (pdf)

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  • SB 1598, Original Filed Version Posted 2/24/2021 at 10:38 AM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 3/15/2021 (pdf)
    Banking and Insurance (Post-Meeting) 3/17/2021 (pdf)

    Related Bills (4)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 717 (c1) Consumer Protection Clemons, Sr. Similar Last Action: 4/27/2021 H Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
    H 471 Legislative Review of Occupational Regulations Rizo Compare Last Action: 4/30/2021 H Died in Regulatory Reform Subcommittee; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 76 (c2) Property Insurance Boyd Compare Last Action: 6/14/2021 Chapter No. 2021-77, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)
    S 344 Legislative Review of Occupational Regulations Diaz Compare Last Action: 4/30/2021 S Died in Appropriations, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    621180 - Amendment
    Between lines 395 and 396 insert:
    Banking and Insurance
    (Brandes)
    3/15/2021
    9:48 AM
    Replaced by Committee Substitute
    3/16/2021
    Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    3/16/2021 9:30 AM Banking and Insurance 12 Yeas - 0 Nays

    Citations - Statutes (26)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 4 (pdf)
    624.307 General powers; duties. Page 4 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 5 (pdf)
    626.015 Definitions. Page 5 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf)
    626.602 Insurance agency names; disapproval. Page 8 (pdf)
    626.621 Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. Page 8 (pdf)
    626.7315 Prohibition against the unlicensed transaction of general lines insurance. Page 9 (pdf)
    626.782 “Industrial class insurer” defined. Page 10 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf)
    626.7845 Prohibition against unlicensed transaction of life insurance. Page 11 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 12 (pdf)
    626.8305 Prohibition against the unlicensed transaction of health insurance. Page 12 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 12 (pdf)
    626.916 Eligibility for export. Page 14 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 15 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 17 (pdf)
    626.9953 Qualifications for registration; application required. Page 18 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 18 (pdf)
    627.062 Rate standards. Page 19 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 19 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 20 (pdf)
    627.7031 Page 23 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 23 (pdf)
    631.57 Powers and duties of the association. Page 27 (pdf)
    631.904 Definitions. Page 29 (pdf)

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