Regulatory Updates
Updates the regulatory team is monitoring across the verticals we file in. Effective dates, severity, and impact in one feed.
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.
DFS proposed amendments to Part 103 of 11 NYCRR, Insurance Regulation 213, to adopt the 2026 NAIC Valuation Manual by reference. The proposal appeared in the May 27, 2026 State Register, with comments due July 27, 2026.
DFS published a Notice of Adoption for its consolidated rulemaking on peer-to-peer car sharing in the May 27, 2026 New York State Register. The action amends Subparts 60-2 and 60-4 of 11 NYCRR, identified as Regulations 35-D and 35-F, and takes effect June 17, 2026.
On May 15, 2026, the California Department of Financial Protection and Innovation announced a $1 million settlement with Yotta Technologies. DFPI said Yotta misled about 18,000 California customers by saying deposits were safe and FDIC-insured after accounts had been moved to Synapse Brokerage LLC, which did not provide FDIC protection.
A Montana release dated May 12, 2026 said a district court dismissed a challenge to the commissioner's emergency action, leaving in place the suspension of Mr. Bail Inc.
On May 14, 2026, the Washington Office of the Insurance Commissioner announced it had revoked the license of Carol E. Perez and Perez Insurance Inc.
During the May 3 to May 17, 2026 window, New York DFS circulated a proposed amendment to 11 NYCRR 60-2 and 60-4, described as the Twelfth Amendment to Insurance Regulation 35-D and First Amendment to Insurance Regulation 35-F. The proposal would conform DFS insurance regulations to Chapter 696 of the Laws of 2025 for peer-to-peer car-sharing program administrators.
On May 4, 2026, the California Department of Insurance announced enforcement action against State Farm General Insurance Company over alleged mishandling of Los Angeles wildfire claims. The action falls within the requested period but relates to insurance market conduct, not lending or licensing.
On May 5, 2026, New York DFS posted pre-proposed outreach for 11 NYCRR 244, Insurance Regulation 168. Comments were due May 19, 2026.
NYSDFS issued a disciplinary actions notice on April 28, 2026 covering insurance-law licensees and registrants. One listed action was against independent adjuster Christopher E.
New Jersey DOBI stated that money transmitter annual reports for the January 1, 2025 through December 31, 2025 period were due no later than May 1, 2026. This was a concrete state filing event inside the requested window.
On April 22, 2026, the FTC announced a case to stop a deceptive health care scheme that allegedly impersonated the government and large insurance carriers. The item is advertising-adjacent rather than a debt collection or lending rule change, but it falls within the search window as a consumer marketing enforcement action.
On April 29, 2026, NYDFS posted a disciplinary actions bulletin covering insurance licensees and registrants. The bulletin included fines and disciplinary findings for disclosure failures and, in at least one matter, transacting insurance business without a license.
On April 27, 2026, the Oregon Division of Financial Regulation issued a cease-and-desist order against ClearShare Health and affiliates. Oregon said the companies were conducting insurance business without a certificate of authority and providing services without a third-party administrator license.
On April 30, 2026, New York DFS announced a $2. 25 million cybersecurity settlement with Delta Dental Insurance Company.
New York DFS listed a consent order dated April 30, 2026 involving Delta Dental Insurance Company and Delta Dental of New York, Inc. The related press coverage described a $2.
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