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HB 1477

Commerce and Insurance, Dept. of - As introduced, extends from 30 days to 30 business days the period of time within which an insurer must respond to the department's request for information in regard to a complaint filed against the insurer. - Amends TCA Title 33; Title 39; Title 52; Title 56; Title 58; Title 68 and Title 71.

114th Regular Session (2025-2026) Introduced by Yusuf Hakeem

Extends insurer response deadline to insurance complaints from 30 calendar days to 30 business days, effectively granting companies ~6 additional days per complaint investigation.

H. adopted am. (Amendment 1 - HA0833)
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Bill Summary · HB 1477

Legislative bill overview

HB 1477 extends the response deadline for insurers to answer Tennessee Department of Commerce and Insurance inquiries about filed complaints from 30 calendar days to 30 business days. This change applies across multiple insurance-related sections of Tennessee Code Annotated, affecting various types of insurance regulations and complaint procedures.

Why is this important

Insurance complaint resolution timelines directly affect consumer protection—longer response periods can delay investigations and potential remedies for policyholders with legitimate grievances. This modification also impacts regulatory efficiency by giving insurers more calendar time to gather documentation while potentially slowing the complaint investigation process overall.

Potential points of contention

  • Consumer protection vs. insurer burden: Extending timelines may disadvantage consumers waiting for complaint resolutions, while insurers argue business days better accommodate their operations and document compilation needs
  • Regulatory effectiveness: Longer response periods could slow the Department's ability to investigate complaints and hold insurers accountable, potentially impacting complaint resolution speed
  • Practical impact distinction: The shift from 30 calendar days (includes weekends/holidays) to 30 business days actually grants insurers significantly more elapsed time—approximately 6 additional calendar days—which some may view as a substantial industry-friendly concession

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

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