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HB 2226

An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for prescription drug cost credits in health insurance; and imposing penalties.

2025-2026 Regular Session Introduced by Tim Brennan and 31 co-sponsors

HB 2226 expands Pennsylvania's consumer protection law by revising unfair trade practice definitions, broadening unlawful conduct categories, and establishing concurrent enforcement jurisdiction across agencies.

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Bill Summary · HB 2226

Legislative bill overview

HB 2226 amends Pennsylvania's Unfair Trade Practices and Consumer Protection Law (UTPCPL) to modify definitions of unlawful business practices, expand prohibited conduct, clarify exclusions, and establish concurrent jurisdiction for enforcement. The bill was recently referred to the Insurance Committee, suggesting it may contain insurance-specific provisions or impacts.

Why is this important

This amendment could strengthen consumer protections by closing loopholes in how unfair trade practices are defined and prosecuted in Pennsylvania. Broader enforcement jurisdiction may improve oversight capacity, though the specific changes could significantly affect businesses depending on how definitions and exclusions are rewritten.

Potential points of contention

  • Business compliance costs: Expanding "unlawful acts" definitions may impose new compliance burdens on retailers, service providers, and insurers without clear transition periods
  • Jurisdiction clarity: Adding "concurrent jurisdiction" could create overlapping enforcement by multiple agencies, potentially leading to conflicting rulings or duplicative investigations
  • Scope of exclusions: Changes to what's excluded from UTPCPL coverage may expose previously protected industries (particularly insurance) to new liability, or conversely, may create unexpected loopholes if exclusions are narrowed incorrectly

Compiled from official sources — confirm details with the bill’s official record.

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