Bill
HR 290
Requires the Department of Insurance to publish an annual, full report detailing consumer complaints about property and casualty insurers, boosting transparency and oversight.
Note on source materials
- The bill title you provided requests that a state Department of Insurance (DOI) annually submit comprehensive reports of received complaints regarding property and casualty insurance companies. The document content attached to your request, however, contains text from several unrelated resolutions (a commendation for a Georgia academy, an Illinois “Second Chance Month” resolution, and mixed legislative action metadata and sponsors). Because the full, authoritative text of HR 290 is not included, this summary is based on the bill title and typical provisions for this type of resolution. Where the exact text is unknown I identify likely or common elements and explicitly note where specifics are not provided.
Purpose and intent
- To increase transparency and legislative oversight of the property and casualty insurance market by requiring the state Department of Insurance to prepare and submit an annual, comprehensive report summarizing consumer complaints the DOI received about property and casualty insurers. The goal is to inform policymakers, regulators, and the public about complaint volumes, patterns, resolutions, and enforcement activity.
Key provisions (anticipated or commonly included)
- Annual report requirement: DOI must prepare a report once per year summarizing complaints received related to property and casualty insurers.
- Data elements likely required (typical for such reports):
- Total number of complaints received and comparison to prior years (trend data).
- Breakdowns by insurer/company, by line of business (auto, homeowners, liability, commercial, etc.), and by complaint category (claims handling, premium/underwriting, cancellations/nonrenewals, fraud, etc.).
- Number and percent of complaints resolved, average time to resolution, and cases pending at reporting date.
- Outcomes: corrective actions taken, monetary recoveries, referrals to enforcement, and disciplinary actions imposed.
- Identification of systemic issues or patterns and DOI recommendations for policy or regulatory changes.
- Recipients and publication: Report to be submitted to the legislature (specific committee(s) or leaders), the governor, and typically made publicly available on the DOI website.
- Confidentiality and redactions: Protections for personally identifiable information and legally privileged material; company-specific proprietary data may have limited disclosure rules.
- Effective date and compliance timing: The resolution would specify the first reporting deadline (e.g., annually by a set date). (Exact dates not provided in the available materials.)
- Enforcement/administrative provisions: Resolutions commonly direct DOI to comply without creating new penalties; statutory variants may include compliance reporting requirements.
Who would be affected
- Consumers: greater transparency about insurer performance and complaint handling.
- Property and casualty insurance companies: increased public and legislative scrutiny of complaint records; potential reputational impact.
- State Department of Insurance: administrative workload to compile and publish standardized reports; potential need for data system/format changes.
- Legislators, regulators, consumer advocates, and researchers: improved access to data to inform oversight, policy decisions, and consumer guidance.
Potential impacts
- Improved transparency and accountability for insurers; identification of problematic practices or market segments.
- Potential regulatory or legislative follow-up (hearings, targeted enforcement, or statute changes) based on report findings.
- Administrative cost and data management burden for DOI; potential need to harmonize complaint coding and reporting processes across insurers and internal systems.
Procedural / timeline metadata (from submitted materials)
- Introduced: January 9, 2025 (per your metadata).
- Status noted: “Taken by the Clerk of the House and presented to the Secretary of State in accordance with the Rules of the House.” (No enrolled law or governor’s signature is shown in the authoritative bill text provided here.)
- Important: the legislative actions and sponsor lists in the document are inconsistent and appear to include material from multiple jurisdictions and resolutions; confirm the correct chamber, state (or federal), sponsor(s), and obtain the official bill text for authoritative details.
Recommendation
- Obtain the full bill text or official summary from the relevant legislative website (state DOI or legislature page) to confirm exact requirements, deadlines, required data fields, confidentiality rules, and statutory references before relying on the provisions for compliance or policy analysis.
Compiled from official sources — confirm details with the bill’s official record.
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