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CS/SB 1492: Consumer Protection

GENERAL BILL by Rules ; Wright

Consumer Protection; Prohibiting consumer reporting agencies from charging to reissue or provide a new unique personal identifier to a consumer for the removal of a security freeze; authorizing the Department of Financial Services to disapprove the use of insurance agency names containing the words “Medicare” or “Medicaid”; prohibiting life insurers from writing new policies of industrial life insurance beginning on a certain date; providing that communication made to or by an insurer’s representative, rather than to or by an insurer’s agent, constitutes communication to or by the insurer, etc.

Effective Date: Except as otherwise expressly provided in this act, this act shall take effect upon becoming a law
 Last Action: 3/14/2020 Senate - Died on Calendar
Bill Text: Web Page | PDF
Senate Committee References:
  1. Commerce and Tourism (CM)
  2. Banking and Insurance (BI)
  3. Rules (RC)

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  • Bill History

    Date Chamber Action
    1/7/2020 Senate • Filed
    1/13/2020 Senate • Referred to Commerce and Tourism; Banking and Insurance; Rules -SJ 110
    1/14/2020 Senate • Introduced -SJ 109
    1/23/2020 Senate • On Committee agenda-- Commerce and Tourism, 01/28/20, 1:30 pm, 110 Senate Building
    1/28/2020 Senate • Favorable by Commerce and Tourism; YEAS 3 NAYS 0 -SJ 214
    • Now in Banking and Insurance
    1/30/2020 Senate • On Committee agenda-- Banking and Insurance, 02/04/20, 12:30 pm, 412 Knott Building
    2/4/2020 Senate • Favorable with 1 amendment(s) by Banking and Insurance (957714); YEAS 8 NAYS 0 -SJ 239
    2/5/2020 Senate • Pending reference review under Rule 4.7(2) - (Amendments)
    2/10/2020 Senate • Now in Rules
    2/21/2020 Senate • On Committee agenda-- Rules, 02/26/20, 9:00 am, 110 Senate Building
    2/26/2020 Senate • CS by- Rules; YEAS 15 NAYS 0 -SJ 357
    2/28/2020 Senate • Pending reference review -under Rule 4.7(2) - (Committee Substitute)
    3/2/2020 Senate • Placed on Calendar, on 2nd reading
    • CS by Rules read 1st time -SJ 360
    3/4/2020 Senate • Placed on Special Order Calendar, 03/06/20 -SJ 518
    3/6/2020 Senate • Retained on Special Order Calendar -SJ 518
    3/9/2020 Senate • Retained on Special Order Calendar -SJ 550
    3/10/2020 Senate • Retained on Calendar
    3/14/2020 Senate • Indefinitely postponed and withdrawn from consideration
    • Died on Calendar

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  • CS/SB 1492, Committee Substitute 1 (Current Bill Version) Posted 2/28/2020 at 2:19 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1137 (c2) Consumer Protection Clemons Similar Last Action: 3/14/2020 H Died on Calendar, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63) Track This Bill
    H 707 (c1) Legislative Review of Occupational Regulations Renner Compare Last Action: 3/14/2020 S Died in Governmental Oversight and Accountability, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160) Track This Bill
    S 1124 (c1) Occupational Regulatory Programs Diaz Compare Last Action: 3/14/2020 S Died in Appropriations, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160) Track This Bill

    Floor Amendments (15)

    Amendment Sponsor Filed Last Floor Action Format
    958516 - Amendment
    Before line 119 insert:     		Wright 3/5/2020
    1:49 PM     		Senate: Withdrawn
    3/6/2020     		Web Page
    PDF
    398978 - Amendment
    Between lines 128 and 129 insert:     		Gibson 3/5/2020
    10:25 AM     		Web Page
    PDF
    669580 - Amendment
    Between lines 146 and 147 insert:     		Lee 3/6/2020
    2:16 PM     		Web Page
    PDF
    324018 - Amendment
    Delete lines 287 - 323 and insert:     		Thurston 3/5/2020
    2:32 PM     		Web Page
    PDF
    712542 - Amendment
    Between lines 442 and 443 insert:     		Brandes 3/5/2020
    1:48 PM     		Web Page
    PDF
    901510 - Amendment
    Between lines 472 and 473 insert:     		Brandes 3/5/2020
    1:08 PM     		Web Page
    PDF
    443260 - Amendment
    Delete lines 473 - 488 and insert:     		Broxson 3/5/2020
    12:37 PM     		Web Page
    PDF
    755792 - Amendment
    Delete lines 473 - 488 and insert:     		Flores 3/5/2020
    5:32 PM     		Web Page
    PDF
    187136 - Amendment
    Delete lines 599 - 601 and insert:     		Lee 3/5/2020
    1:58 PM     		Web Page
    PDF
    526634 - Amendment
    Between lines 601 and 602 insert:     		Brandes 3/5/2020
    1:05 PM     		Web Page
    PDF
    896036 - Amendment
    Delete line 605 and insert:     		Rouson 3/5/2020
    1:54 PM     		Web Page
    PDF
    508642 - Amendment
    Between lines 730 and 731 insert:     		Brandes 3/5/2020
    1:06 PM     		Web Page
    PDF
    623538 - Amendment
    Between lines 730 and 731 insert:     		Brandes 3/5/2020
    1:07 PM     		Web Page
    PDF
    697340 - Amendment
    Between lines 730 and 731 insert:     		Gruters 3/5/2020
    2:00 PM     		Senate: Withdrawn
    3/6/2020     		Web Page
    PDF
    hierarchy 302330 - Amendment to Amendment (697340)
    After line 15 insert:     		Baxley 3/5/2020
    4:22 PM     		Senate: Withdrawn
    3/6/2020     		Web Page
    PDF

    Citations - Statutes (29)

    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)
    626.602 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 8 (pdf)
    626.782 “Industrial class insurer” defined. Page 8 (pdf)
    626.783 “Ordinary-combination class insurer” defined. Page 9 (pdf)
    626.796 Representing another insurer in same industrial debit territory. Page 9 (pdf)
    626.8443 Duration of suspension or revocation. Page 9 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 10 (pdf)
    626.916 Eligibility for export. Page 12 (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)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 15 (pdf)
    627.062 Rate standards. Page 16 (pdf)
    627.421 Delivery of policy. Page 16 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 16 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 17 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 15 (pdf)
    627.7031 Page 21 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 22 (pdf)
    631.57 Powers and duties of the association. Page 26 (pdf)
    648.30 Licensure and appointment required. Page 27 (pdf)
    717.124 Unclaimed property claims. Page 28 (pdf)
    717.12404 Claims on behalf of a business entity or trust. Page 33 (pdf)
    717.1315 Retention of records by claimant’s representatives and buyers of unclaimed property. Page 34 (pdf)
    717.1322 Administrative and civil enforcement. Page 34 (pdf)
    717.135 Power of attorney to recover reported property in the custody of the department. Page 35 (pdf)
    717.1351 Acquisition of unclaimed property. Page 38 (pdf)

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  • SB 1492, Original Filed Version Posted 1/7/2020 at 11:05 AM

    Bill Text:   Web Page | PDF
    Analyses:   Commerce and Tourism (Pre-Meeting) 1/27/2020 (pdf)
    Commerce and Tourism (Post-Meeting) 1/31/2020 (pdf)
    Banking and Insurance (Pre-Meeting) 2/3/2020 (pdf)
    Banking and Insurance (Post-Meeting) 2/5/2020 (pdf)
    Rules (Pre-Meeting) 2/24/2020 (pdf)
    Rules (Post-Meeting) 2/28/2020 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1137 (c2) Consumer Protection Clemons Similar Last Action: 3/14/2020 H Died on Calendar, companion bill(s) passed, see CS/CS/SB 1606 (Ch. 2020-63) Track This Bill
    H 707 (c1) Legislative Review of Occupational Regulations Renner Compare Last Action: 3/14/2020 S Died in Governmental Oversight and Accountability, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160) Track This Bill
    S 1124 (c1) Occupational Regulatory Programs Diaz Compare Last Action: 3/14/2020 S Died in Appropriations, companion bill(s) passed, see CS/CS/CS/HB 713 (Ch. 2020-133), CS/HB 1193 (Ch. 2020-160) Track This Bill

    Committee Amendments (9)

    Amendment Sponsor Filed Last Committee Action Format
    241560 - Amendment
    Delete lines 260 - 281 and insert:     		Banking and Insurance
    (Rouson)     		2/3/2020
    12:19 PM     		Out of Order
    2/4/2020     		Web Page
    PDF
    814670 - Amendment
    Delete lines 260 - 281 and insert:     		Banking and Insurance
    (Rouson)     		2/3/2020
    12:20 PM     		Out of Order
    2/4/2020     		Web Page
    PDF
    268682 - Amendment
    Between lines 426 and 427 insert:     		Rules
    (Flores)     		2/25/2020
    9:03 AM     		Withdrawn
    2/25/2020     		Web Page
    PDF
    957714 - Amendment (Delete All)
    Delete everything after the enacting clause and insert:     		Banking and Insurance
    (Wright)     		2/3/2020
    12:28 PM     		Favorable
    2/4/2020     		Web Page
    PDF
    hierarchy 338934 - Amendment to Amendment (957714)
    Delete lines 146 - 176.     		Banking and Insurance
    (Rouson)     		2/4/2020
    10:30 AM     		Withdrawn
    2/4/2020     		Web Page
    PDF
    hierarchy 730048 - Amendment to Amendment (957714)
    Delete lines 146 - 176 and insert:     		Rules
    (Wright)     		2/25/2020
    12:11 PM     		Replaced by Committee Substitute
    2/27/2020     		Web Page
    PDF
    hierarchy 292600 - Amendment to Amendment (957714)
    Between lines 325 and 326 insert:     		Rules
    (Flores)     		2/25/2020
    1:42 PM     		Replaced by Committee Substitute
    2/27/2020     		Web Page
    PDF
    hierarchy 269288 - Amendment to Amendment (957714)
    Delete lines 436 - 438 and insert:     		Banking and Insurance
    (Rouson)     		2/4/2020
    9:42 AM     		Withdrawn
    2/4/2020     		Web Page
    PDF
    hierarchy 278986 - Amendment to Amendment (957714)
    Delete lines 442 - 443 and insert:     		Banking and Insurance
    (Rouson)     		2/4/2020
    9:42 AM     		Withdrawn
    2/4/2020     		Web Page
    PDF

    Committee Votes (3)

    Date Committee Result
    1/28/2020 1:30 PM Commerce and Tourism 3 Yeas - 0 Nays
    2/4/2020 12:30 PM Banking and Insurance 8 Yeas - 0 Nays
    2/26/2020 9:00 AM Rules 15 Yeas - 0 Nays

    Citations - Statutes (28)

    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 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)
    626.8443 Duration of suspension or revocation. Page 9 (pdf)
    626.854 “Public adjuster” defined; prohibitions. Page 9 (pdf)
    626.916 Eligibility for export. Page 10 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 11 (pdf)
    626.9741 Use of credit reports and credit scores by insurers. Page 12 (pdf)
    626.9957 Conduct prohibited; denial, revocation, or suspension of registration. Page 14 (pdf)
    627.062 Rate standards. Page 14 (pdf)
    627.421 Delivery of policy. Page 14 (pdf)
    627.502 “Industrial life insurance” defined; reporting. Page 15 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 15 (pdf)
    627.7031 Page 19 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 19 (pdf)
    631.57 Powers and duties of the association. Page 24 (pdf)
    648.30 Licensure and appointment required. Page 25 (pdf)
    717.124 Unclaimed property claims. Page 26 (pdf)
    717.12404 Claims on behalf of a business entity or trust. Page 31 (pdf)
    717.1315 Retention of records by claimant’s representatives and buyers of unclaimed property. Page 31 (pdf)
    717.1322 Administrative and civil enforcement. Page 32 (pdf)
    717.135 Power of attorney to recover reported property in the custody of the department. Page 33 (pdf)
    717.1351 Acquisition of unclaimed property. Page 35 (pdf)

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