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CS/CS/HB 717: Consumer Protection

GENERAL BILL by Commerce Committee ; Insurance and Banking Subcommittee ; Clemons ; (CO-INTRODUCERS) Leek ; Tant

Consumer Protection; Removes provision requiring department to automatically convert registrations of approved registered insurance agencies to insurance agency licenses; prohibits entity from unlicensed activity as adjusting firm unless entity complies with specified requirement; authorizes department to disapprove use of insurance agency names containing words "Medicare" or "Medicaid"; revises timeframe in which insured or claimant may cancel public adjuster's contract to adjust claim without penalty or obligation; specifies requirements for written estimates of loss provided by public adjusters to claimants or insureds; revises timeframe in which insurer must begin investigation after receipt of proof of loss statements; requires insurer to keep records of adjusters interacting with policyholders; requires insurer to include specified notices when providing damage estimates or claim payments.

Effective Date: upon becoming a law
 Last Action: 4/27/2021 House - Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)
Bill Text: PDF

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  • Bill History

    Date Chamber Action
    2/3/2021 House • Filed
    2/18/2021 House • Referred to Insurance & Banking Subcommittee
    • Referred to State Administration & Technology Appropriations Subcommittee
    • Referred to Commerce Committee
    • Now in Insurance & Banking Subcommittee
    3/2/2021 House • Added to Insurance & Banking Subcommittee agenda
    • 1st Reading (Original Filed Version)
    3/4/2021 House • Favorable with CS by Insurance & Banking Subcommittee
    • Reported out of Insurance & Banking Subcommittee
    3/5/2021 House • Laid on Table under Rule 7.18(a)
    • CS Filed
    • 1st Reading (Committee Substitute 1)
    3/9/2021 House • Referred to State Administration & Technology Appropriations Subcommittee
    • Referred to Commerce Committee
    • Now in State Administration & Technology Appropriations Subcommittee
    • Added to State Administration & Technology Appropriations Subcommittee agenda
    3/11/2021 House • Favorable by State Administration & Technology Appropriations Subcommittee
    • Reported out of State Administration & Technology Appropriations Subcommittee
    • Now in Commerce Committee
    3/22/2021 House • Added to Commerce Committee agenda
    4/18/2021 House • Added to Commerce Committee agenda
    • Added to Commerce Committee agenda
    4/19/2021 House • Favorable with CS by Commerce Committee
    4/20/2021 House • Reported out of Commerce Committee
    • Laid on Table under Rule 7.18(a)
    • CS Filed
    • 1st Reading (Committee Substitute 2)
    4/22/2021 House • Bill referred to House Calendar
    • Added to Second Reading Calendar
    4/27/2021 House • Laid on Table; companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104), CS/CS/CS/SB 76 (Ch. 2021-77)

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  • CS/CS/HB 717, Committee Substitute 2 (Current Bill Version) Posted 4/20/2021 at 5:35 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (5)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1598 (er) Consumer Protection Gruters Similar Last Action: 6/17/2021 Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77) Track This Bill
    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) Track This Bill
    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) Track This Bill
    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) Track This Bill
    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) Track This Bill

    Citations - Statutes (21)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 5 (pdf)
    624.307 General powers; duties. Page 5 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 6 (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 9 (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 10 (pdf)
    626.782 “Industrial class insurer” defined. Page 11 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 11 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 11 (pdf)
    626.916 Eligibility for export. Page 13 (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 16 (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)
    627.7142 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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  • CS/HB 717, Committee Substitute 1 Posted 3/5/2021 at 7:59 AM

    Bill Text:   PDF
    Analyses:   State Administration and Technology Appropriations Subcommittee (Post-Meeting) 3/11/2021 (pdf)
    Commerce Committee (Post-Meeting) 4/20/2021 (pdf)

    Related Bills (5)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1598 (c2) Consumer Protection Gruters Similar Last Action: 6/17/2021 Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77) Track This Bill
    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) Track This Bill
    H 1209 (c3) Department of Financial Services Fetterhoff Compare Last Action: 6/17/2021 Chapter No. 2021-113; companion bill(s) passed, see CS/HB 823 (Ch. 2021-110), CS/SB 286 (Ch. 2021-123) Track This Bill
    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) Track This Bill
    S 1408 (c1) Department of Financial Services Burgess Compare Last Action: 4/26/2021 S Laid on Table, companion bill(s) passed, see CS/HB 823 (Ch. 2021-110), CS/CS/CS/HB 1209 (Ch. 2021-113) -SJ 694 Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    662753 - Strike All Amendment
    Remove everything after the enacting clause and insert:     		Clemons 4/18/2021
    5:53 PM     		Adopted
    4/19/2021     		PDF

    Citations - Statutes (24)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 5 (pdf)
    624.307 General powers; duties. Page 5 (pdf)
    624.501 Filing, license, appointment, and miscellaneous fees. Page 6 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf)
    626.5813 Page 8 (pdf)
    626.602 Insurance agency names; disapproval. Page 9 (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 10 (pdf)
    626.782 “Industrial class insurer” defined. Page 11 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 11 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 11 (pdf)
    626.916 Eligibility for export. Page 13 (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 16 (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 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)
    648.30 Licensure and appointment required. Page 32 (pdf)

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  • HB 717, Original Filed Version Posted 2/3/2021 at 10:07 AM

    Bill Text:   PDF
    Analyses:   Insurance and Banking Subcommittee (Post-Meeting) 6/18/2021 (pdf)

    Related Bills (5)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    S 1598 Consumer Protection Gruters Similar Last Action: 6/17/2021 Chapter No. 2021-104, companion bill(s) passed, see CS/CS/CS/SB 76 (Ch. 2021-77) Track This Bill
    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) Track This Bill
    H 1209 Department of Financial Services Fetterhoff Compare Last Action: 6/17/2021 Chapter No. 2021-113; companion bill(s) passed, see CS/HB 823 (Ch. 2021-110), CS/SB 286 (Ch. 2021-123) Track This Bill
    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) Track This Bill
    S 1408 Department of Financial Services Burgess Compare Last Action: 4/26/2021 S Laid on Table, companion bill(s) passed, see CS/HB 823 (Ch. 2021-110), CS/CS/CS/HB 1209 (Ch. 2021-113) -SJ 694 Track This Bill

    Committee Amendments (2)

    Amendment Sponsor Filed Last Committee Action Format
    193781 - Amendment
    Between lines 134 and 135, insert:     		Clemons 3/2/2021
    7:52 PM     		Adopted without Objection
    3/4/2021     		PDF
    133817 - Amendment
    Remove lines 207-209 and insert:     		Clemons 3/2/2021
    7:40 PM     		Adopted without Objection
    3/4/2021     		PDF

    Citations - Statutes (22)

    Citation Catchline Location in Bill Location In Bill Help
    501.0051 Protected consumer report security freeze. Page 5 (pdf)
    624.307 General powers; duties. Page 5 (pdf)
    626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents. Page 6 (pdf)
    626.5813 Page 8 (pdf)
    626.602 Insurance agency names; disapproval. Page 9 (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 10 (pdf)
    626.782 “Industrial class insurer” defined. Page 10 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 11 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 11 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 11 (pdf)
    626.916 Eligibility for export. Page 13 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 14 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 16 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 17 (pdf)
    627.062 Rate standards. Page 18 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 18 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 18 (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)
    648.30 Licensure and appointment required. Page 30 (pdf)

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