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HD 3326

An Act requiring disclosure to consumers regarding home heating oil insurance

194th Legislature (2025-2026) Introduced by Mike Day

Massachusetts bill mandating heating oil dealers disclose available insurance options to consumers at point of sale to help manage heating costs.

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Bill Summary · HD 3326

Legislative bill overview

HD 3326 requires heating oil dealers and suppliers in Massachusetts to disclose information to consumers about available heating oil insurance options. The bill mandates that this disclosure occur at or before the point of sale, ensuring consumers are informed about protection mechanisms for their heating oil purchases.

Why is this important

Heating oil is a significant expense for many Massachusetts households, particularly in winter months, and price volatility can create financial hardship. By requiring disclosure of insurance options, the bill aims to give consumers better tools to manage heating costs and protect themselves against price spikes or supply disruptions.

Potential points of contention

  • Industry compliance burden: Heating oil dealers may face administrative costs and complexity in implementing disclosure requirements across their customer base
  • Insurance availability and affordability: The bill doesn't address whether adequate insurance products actually exist or whether they're economically viable for lower-income households that might benefit most
  • Consumer decision-making: Critics may question whether disclosure alone drives meaningful consumer action, or if additional protections (price caps, subsidies) would be more effective

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

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