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Bill

HB 1265

Pub. Rec./Office of Insurance Regulation

2026 Regular Session Introduced by Linda Chaney

HB 1265 modifies public records disclosure requirements for Florida's Office of Insurance Regulation, with details pending bill text review.

Now in State Affairs Committee
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Bill Summary · HB 1265

Legislative bill overview

HB 1265 modifies public records requirements for Florida's Office of Insurance Regulation, likely creating exemptions or limitations on what documents must be disclosed to the public. The bill has advanced through the Insurance & Banking Subcommittee with a favorable recommendation and a committee substitute, indicating significant revisions were made during initial review.

Why is this important

Public records laws form the foundation of government transparency and accountability. Changes to what information the insurance regulator must disclose could affect consumers' ability to access complaint data, rate justifications, financial solvency reports, or enforcement actions against insurers—information many Floridians rely on when selecting insurance providers or understanding regulatory decisions.

Potential points of contention

  • Scope of exemptions unclear: Without the bill text publicly available, it's unknown whether exemptions are narrow (e.g., protecting trade secrets) or broad (e.g., hiding enforcement decisions or complaint patterns)
  • Consumer vs. industry interests: Insurance companies may benefit from less disclosure, while consumers and consumer advocates typically favor maximum transparency about insurer performance and regulatory action
  • Precedent concerns: Changes to public records for insurance regulation could establish patterns for limiting transparency in other regulatory agencies

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

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