Regulatory Updates
Updates the regulatory team is monitoring across the verticals we file in. Effective dates, severity, and impact in one feed.
On November 4, 2026, the New York DFS withdrew a previously proposed rule on private passenger motor vehicle insurance and re-proposed it to repeal a regulation made redundant by legislative changes.
On October 15, 2026, the DFPI ordered financial institutions to report on their handling of insurance payouts for Los Angeles fire survivors.
California DFPI ordered financial institutions to report data on how lenders managed insurance payouts to survivors of the Los Angeles fires.
On October 15, 2026, the California DFPI ordered financial institutions to report on their handling of insurance payouts for fire survivors in Los Angeles. Non-compliance could lead to enforcement actions.
New York DFS adopted a regulation to establish confidentiality protocols for victims of domestic violence and endangered individuals within the insurance sector.
The DFPI mandated financial institutions to report data on their insurance payout handling for Los Angeles fire survivors, threatening enforcement against non-compliance.
Effective October 1, 2026, Maryland updated its mortgage loan originator (MLO) licensing to include portability for active service members and modified requirements for affiliated insurance producers.
Maryland enacted changes affecting the licensing of affiliated insurance producer - mortgage loan originators (AIP-MLOs), requiring sponsorship from qualified institutions.
The DFPI warned that lenders must submit data regarding insurance payouts for Los Angeles fire survivors, with threats of state enforcement for non-compliance.
The Minnesota Department of Commerce announced its participation in a $15. 5 million settlement with NewRez LLC over improper force-placed insurance charges.
NYDFS published the proposed 3rd amendment to regulation 154, with a comment deadline set for November 23, 2026. This proposed amendment relates to insurance regulations.
New York DFS finalized the 8th Amendment to Insurance Regulation 213 regarding principle-based reserving for insurance entities.
New California law mandates insurers to notify clients about premium increases upon renewal.
On August 27, 2026, a joint final rule by OCC and FDIC defined 'unsafe or unsound practice' under the Federal Deposit Insurance Act and revised the supervisory framework for Matters Requiring Attention (MRAs).
On August 12, 2026, a multistate settlement was reached with NewRez, LLC, involving 48 state financial agencies over improper insurance charges. The settlement totals $15.
A multistate settlement with NewRez LLC was announced on August 12, 2026, regarding improper charges for force-placed insurance.
A multistate settlement was reached with NewRez LLC, resulting in a $15. 5 million settlement for improper force-placed insurance charges.
State financial regulators announced a nearly $15. 5 million settlement with NewRez LLC related to improperly charged insurance.
DFS issued a circular letter on July 1, 2026 directing insurers to reflect motor vehicle insurance statutory changes in pending rate filings. The letter set a clear filing deadline of August 31, 2026.
On July 22, 2026, DFS announced specialized training for nearly 270 law-enforcement officials from 55 agencies on combating auto insurance fraud. DFS described the effort as part of implementing FY 2027 budget reforms and connected it to July 1, 2026 insurer guidance on reflecting anticipated savings in rate filings.
On July 15, 2026, New York DFS approved an average 22 percent reduction in workers' compensation insurance premium rates. DFS said the change would take effect October 1, 2026 and is expected to save businesses more than $1 billion.
On July 20, 2026, the Iowa Insurance Division announced a consent order against Starrla Ramae Norman revoking her Iowa nonresident insurance producer license. The order bars her from Iowa insurance business and Iowa securities-industry participation, and requires $44,954 in restitution plus $10,000 in investigative and prosecution costs.
On July 20, 2026, the FTC announced that the founders of Celsius Network were ordered to pay $16. 5 million to resolve FTC charges.
On July 8, 2026, New York DFS issued Insurance Circular Letter No. 4 on limitations on expenses for life insurance and annuity business.
On July 8, 2026, New York DFS finalized the Third Amendment to 11 NYCRR 12, Insurance Regulation 50, covering agent training allowance subsidies for certain life insurance and annuity business. DFS said the amendment adjusts subsidy thresholds and takes effect upon publication of the Notice of Adoption in the State Register.
DFS's insurance regulatory activity page shows final adoption dated July 8, 2026 for Agent Training Allowance Subsidies for Certain Life Insurance and Annuity Business under the 3rd Amendment to 11 NYCRR 12, Insurance Regulation 50. The item reflects a completed state rulemaking step during the period.
Rhode Island DBR Insurance Division entered a consent agreement dated July 2, 2026 in the matter of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, order 2025-IN-023. The item is a state financial services enforcement action within the requested period.
On July 8, 2026, DFS posted final adoption of the 3rd Amendment to 11 NYCRR 12, Insurance Regulation 50. The amendment concerns agent training allowance subsidies for certain life insurance and annuity business.
On July 1, 2026, New York DFS issued Insurance Circular Letter No. 3, 2026 on motor vehicle insurance reforms.
On June 26, 2026, NYDFS published its June 2026 disciplinary actions against licensees or registrants under the Insurance Law. The document includes multiple actions, including fines and at least one license revocation.
On July 1, 2026, NYDFS issued guidance tied to 2026 motor vehicle insurance reforms in the FY27 budget. The circular letter directs insurers to reflect the reforms in pending rate filings by August 31, 2026, and in future filings.
On July 1, 2026, NYDFS posted a pre-proposed outreach item for the Eighth Amendment to 11 NYCRR 16, Insurance Regulation 86, concerning special risk insurance. Outreach comments were due July 13, 2026.
On June 24, 2026, Montana announced enforcement settlements with entities that failed to properly file required notices of business activity. The nine settlements added $59,900 to the state's Securities Fraud Restitution Assistance Fund.
Michigan DIFS published a June 2026 consent order involving Rylan Reyes. The order states DIFS alleged the respondent obtained a license through misrepresentation or fraud and used fraudulent or dishonest practices, and that sanctions were warranted.
Published in the June 17, 2026 New York State Register, DFS proposed amendments to 11 NYCRR 244 covering confidentiality protocols for victims of domestic violence and endangered individuals. The rule would conform insurer handling of claim-related information to statutory changes in Insurance Law Section 2612.
Published in the June 10, 2026 New York State Register, DFS proposed a Risk-Based Capital rule affecting insurer treatment of certain exchange-traded funds composed of fixed-income securities, cash, and cash equivalents. The proposal would remove the January 1, 2027 sunset date and make the treatment permanent if the ETF meets the rule's criteria.
On June 17, 2026, NYDFS listed final adoption of amendments to 11 NYCRR 60-2 and 60-4 concerning supplementary uninsured and underinsured motorists insurance and peer-to-peer car sharing programs. The rulemaking covers minimum provisions for group policies and related requirements.
NYDFS published a proposal for the first amendment to 11 NYCRR 77, Insurance Regulation 220, in the State Register on June 10, 2026. The filing date was May 26, 2026, and comments are due August 10, 2026.
North Carolina's annual collection agency renewal period was open during May 29 through June 12, 2026, with licenses expiring June 30, 2026. The state says the renewal cycle runs from early April through June 30.
Maryland HB 38, Chapter 512, creates or expands an authorized insurance producer mortgage loan originator pathway in 2026. The law states that a license issued under that section authorizes the licensee to act as a mortgage loan originator only on behalf of a qualified sponsor.
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