Fighting insurance fraud
How strictly should laws punish and prevent insurance fraud and theft?
11 bills · 6 can still move · 2 became law
Bills in 7 states and Congress. Law in Colorado and Indiana.
Insurance
2,175 insurance bills can still move. 475 bills may return next session. 1,098 became law in 2025 and 2026. Latest: California's AB 2061 was signed into law on Sep 30.
- Introduced
- 797
- In committee
- 5,041
- Past committee
- 826
- Became law
- 1,098
- Vetoed or failed
- 509
What they fight over
How should governments balance insurer profits, consumer protections, and public safety in the insurance market?
Grouped by AI from the 120 closest matches, by the policy questions they address. Bills in a group may take opposing positions. The counts and maps are from those bills. Grouping as of October 27, 2026.
Became lawPassed a committee or a voteFiled
Expanding flood coverage
Should the government support private flood insurance or expand public program access?
11 bills · 11 can still move
Bills in Congress.
Keeping premiums affordable
Should regulators cap rate increases or mandate benefits to keep insurance affordable?
10 bills · 5 can still move
Bills in 5 states.
- Insurance Rate Reduction and Policy Holder Protection ActPassed first chamber
- Premium rate increases, regulationsIn committee
Defining insurer regulation
Who should oversee insurance companies and how much federal power is allowed?
10 bills · 10 can still move
Bills in 1 state and Congress.
Covering specific risks
Should insurance mandates cover niche risks like crops, credit, or climate damage?
10 bills · 6 can still move
Bills in 4 states and Congress.
Protecting policyholder data
How much control should consumers have over their insurance and driving data?
5 bills · 1 became law
Bills in 1 state. Law in California.
- Residential property insurance imagesPassed first chamber
- Residential property insurance imagesPassed first chamber
What can still change
See every billWhere the bills stand
Bills that can still pass come first, closest to law first. Coming back includes bills filed for next session and ended bills that must be reintroduced.
- Can still moveAuthorizes the Holland central school district to establish an insurance reserve fundPassed both chambers
- Can still moveEnacts the New York travel insurance actPassed both chambers
- Can still moveProducers; continuing education credit carryover system for insurance producers who belong to a professional insurance association; provide for. Amends sec. 1204c of 1956 PA 218 (MCL 500.1204c)Passed both chambers
- Can still moveFinancial institutions: credit unions; insurance from a qualified private insurance organization; allow for foreign credit unions. Amends sec. 501 of 2003 PA 215 (MCL 490.501).…Passed both chambers
- Can still moveFinancial institutions: credit unions; insurance from a qualified private insurance organization; allow for domestic credit unions during certain conversions. Amends sec. 373 of…Passed both chambers
- Can still moveFinancial institutions: credit unions; commitment for insurance from a qualified private insurance organization; allow for domestic credit unions in certain filings. Amends sec.…Passed both chambers
- Can still moveFinancial institutions: credit unions; insurance from a qualified private insurance organization; allow for domestic credit unions. Amends sec. 387 of 2003 PA 215 (MCL 490.387).…Passed both chambers
- Can still moveOther; definitions in the insurance code of 1956; revise. Amends sec. 4601 of 1956 PA 218 (MCL 500.4601)Passed both chambers
- Can still moveOther; sponsored captive insurance companies; modify. Amends sec. 4667 of 1956 PA 218 (MCL 500.4667)Passed both chambers
- Can still moveOther; captive insurance company limited certificate of authority; modify. Amends sec. 4603 of 1956 PA 218 (MCL 500.4603)Passed both chambers
- Can still moveOther; limited certificate of authority to transact insurance or reinsurance; modify. Amends sec. 4705 of 1956 PA 218 (MCL 500.4705)Passed both chambers
- Can still moveOther; sponsor of sponsored captive insurance company; modify. Amends sec. 4665 of 1956 PA 218 (MCL 500.4665)Passed both chambers
- Can still moveOther; captive insurance company reports and inquiries; modify. Amends secs. 4621 & 4625 of 1956 PA 218 (MCL 500.4621 & 500.4625)Passed both chambers
- Can still moveNo-fault; personal protection insurance benefits; revise definitions in section because of other amendments. Amends sec. 3107c of 1956 PA 218 (MCL 500.3107c). TIE BAR WITH: HB 5298'25Passed both chambers
- Can still moveNo-fault; personal protection insurance benefits for individuals in a motor vehicle operated in the business of transporting passengers; modify. Amends sec. 3114 of…Passed both chambers
- Can still moveOther; penalties for fraudulent insurance acts; increase. Amends sec. 4511 of 1956 PA 218 (MCL 500.4511)Passed both chambers
- Can still moveOther; sharing of information concerning suspected or completed insurance fraud; allow. Amends sec. 4509 of 1956 PA 218 (MCL 500.4509)Passed both chambers
- Can still moveUnfair trade practices; unfair trade practices in the insurance industry; revise. Amends sec. 2025 of 1956 PA 218 (MCL 500.2025)Passed both chambers
- Can still moveLife; gift limit for life insurance producers; modify. Amends sec. 2024a of 1956 PA 218 (MCL 500.2024a)Passed both chambers
- Can still moveFinancial institutions: credit unions; certain communication with a qualified private insurance organization; allow. Amends sec. 207 of 2003 PA 215 (MCL 490.207). TIE BAR WITH…Passed both chambers
- Can still moveRelates to the collection and use of foreign fire insurance premium taxesPassed both chambers
- Can still movePermits the Oswego city school district to create an insurance reserve fundPassed both chambers
- Can still moveProhibits insurance carriers and employers from withholding certain benefits from injured workers based on attachment to the labor marketPassed both chambers
- Can still movePermits licensed insurance agents, brokers, adjusters, consultants, and intermediaries to carryover up to seven hours of continuing education credit per biennial licensing periodPassed both chambers
- Can still moveProhibits insurance discrimination on the basis of an insured's marital status following the death of the insured's spousePassed both chambers
- Must be reintroduced next sessionRelating to insurance fraudPassed both chambers
- Must be reintroduced next sessionRelating to insurancePassed both chambers
- Must be reintroduced next sessionLiquor liabilityPassed both chambers
- Must be reintroduced next sessionRelating to health insurancePassed both chambers
- Must be reintroduced next sessionRelating to lava zone insurancePassed both chambers
- Must be reintroduced next sessionPremiums made within three years of payment to the Commissioner; provide for a claim for a refund of certain fees and taxesPassed both chambers
- Must be reintroduced next sessionRelating to transportationPassed both chambers
- Must be reintroduced next sessionExcluding or restricting liability for certain deaths occurring while an individual is an active duty service member; prohibitPassed both chambers
- Must be reintroduced next sessionAn act to amend title 18 of the delaware code relating to unfair trade practices in automobile insurancePassed both chambers
- Must be reintroduced next sessionAn act to amend title 18 of the delaware code relating to life insurance policy exclusions and restrictions based on death resulting from suicidePassed both chambers
- California FAIR Plan Association: dataBecame law
- Cancellations and nonrenewalsBecame law
- Genetic testing for life and disability insuranceBecame law
- Distressed areasBecame law
- Health care coverage: hearing aidsBecame law
- Nonquantitative treatment limitationsBecame law
- Bail Consumer Protection ActBecame law
- Mortgages: hazard insurance proceeds: interestBecame law
- Joint powers agreements: nonprofit housing developersBecame law
- Insurance Information and Privacy Protection ActBecame law
Latest moves
Laws signed, vetoes and votes come first, then the newest steps on these bills.
- Sep 30Signed into lawCalifornia FAIR Plan Association: data
- Sep 30Signed into lawCancellations and nonrenewals
- Sep 16Cleared a committeeCLEAR Forms Act
- Aug 31Signed into lawAn act to amend title 18, title 29, and title 31 of the delaware code relating to insurance coverage for treatment to prevent hiv infection
- Jul 14Signed into lawRelating to insurance
What comes next
How voters decided
Earlier ballot measures on this issue, newest first.
Who is shaping it
Find a lobbyist on itAs of Oct 30.
Lawmakers
They sponsor the most of these bills.
- Kyle Brown14 bills
- Lisa Calderon12 bills
- Julie McCluskie11 bills
- Stanley Chang9 bills
- Dylan Roberts9 bills
Committees
Where most of these bills are sent, leaving out the money and rules committees every bill passes through.
- Insurance88 bills
- Financial Services Committee22 bills
- Judiciary20 bills
- Insurance17 bills
Who lobbies on it
Federal lobbying reports since 2023 that describe this issue. A report says what a client lobbied on, not which side it took.
- American Property Casualty Insurance Association96 reports
- National Association of Mutual Insurance Companies86 reports
- United Services Automobile Association69 reports
- Liberty Mutual Group69 reports
- American Land Title Association66 reports
Federal agencies
Rules that name this issue in their title or summary, final ones first.
- Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign BanksFinal
- Medicaid Program; Prohibition on Federal Medicaid and Children's Health Insurance Program Funding for Sex-Rejecting Procedures Furnished to ChildrenFinal
- Requirements for InsuranceFinal
- Termination of Excess Insurance CoverageFinal
In the news
Reporting on up to 20 of the bills shown here. This is a sample, and coverage may be incomplete.
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