Crimes.
Requires law enforcement personnel to visibly display name or badge number identification while on duty. Expands criminal penalties for impersonating public officials through any means including online. Prohibits bail recovery agents from conducting immigration enforcement or sharing immigration status. Authorizes officers to request ID when suspecting impersonation or having safety concerns.
Crimes.
Requires law enforcement personnel to visibly display name or badge number identification while on duty. Expands criminal penalties for impersonating public officials through any means including online. Prohibits bail recovery agents from conducting immigration enforcement or sharing immigration status. Authorizes officers to request ID when suspecting impersonation or having safety concerns.
Residential property insurance: tree fire risks.
Exempts homeowners from tree removal regulations when insurers and state fire officials identify trees as fire hazards. Requires both insurance companies and the Department of Forestry to confirm a tree poses a fire risk. Waives all state and local fees and fines associated with removing dangerous trees from residential properties.
Residential property insurance: tree fire risks.
Exempts homeowners from tree removal regulations when insurers and state fire officials identify trees as fire hazards. Requires both insurance companies and the Department of Forestry to confirm a tree poses a fire risk. Waives all state and local fees and fines associated with removing dangerous trees from residential properties.
Department of Insurance: housing insurance study.
Requires the Department of Insurance to study insurance coverage challenges facing affordable housing entities. Mandates insurers to provide confidential data about coverage and rates for affordable housing properties. Requires recommendations for policy solutions within one year of receiving study funding. Expires automatically on January 1, 2031 unless extended by future legislation.
Department of Insurance: housing insurance study.
Requires the Department of Insurance to study insurance coverage challenges facing affordable housing entities. Mandates insurers to provide confidential data about coverage and rates for affordable housing properties. Requires recommendations for policy solutions within one year of receiving study funding. Expires automatically on January 1, 2031 unless extended by future legislation.
Insurance: Climate and Sustainability Insurance and Risk Reduction Grant Program.
Establishes a state grant program to develop innovative climate-related insurance solutions through 2035. Requires testing of community-purchased insurance models to reduce costs in high-risk climate areas. Mandates progress reports to legislative insurance committees every three years starting January 2029. Prioritizes expanding insurance access for vulnerable communities most exposed to climate disasters.
Insurance: Climate and Sustainability Insurance and Risk Reduction Grant Program.
Establishes a state grant program to develop innovative climate-related insurance solutions through 2035. Requires testing of community-purchased insurance models to reduce costs in high-risk climate areas. Mandates progress reports to legislative insurance committees every three years starting January 2029. Prioritizes expanding insurance access for vulnerable communities most exposed to climate disasters.
Insurer financial statements.
Increases late filing penalties for insurance companies that fail to submit required financial statements on time. Sets an initial late fee of $800 for missed financial statement deadlines. Imposes an additional monthly penalty of $900 for continued non-compliance.
Insurer financial statements.
Increases late filing penalties for insurance companies that fail to submit required financial statements on time. Sets an initial late fee of $800 for missed financial statement deadlines. Imposes an additional monthly penalty of $900 for continued non-compliance.
Commercial property insurance cancellation and nonrenewal.
Prohibits insurers from canceling commercial property insurance in wildfire-affected areas for one year after emergencies. Requires state agencies to identify and notify insurers of protected ZIP codes within wildfire perimeters. Allows insurance cancellation if property owners are grossly negligent or if unrelated losses make risks uninsurable.
Commercial property insurance cancellation and nonrenewal.
Prohibits insurers from canceling commercial property insurance in wildfire-affected areas for one year after emergencies. Requires state agencies to identify and notify insurers of protected ZIP codes within wildfire perimeters. Allows insurance cancellation if property owners are grossly negligent or if unrelated losses make risks uninsurable.
California FAIR Plan: manufactured homes.
Expands California FAIR Plan insurance coverage to include manufactured homes and mobile homes. Requires insurers to offer manufactured home coverage under the same terms as traditional homes. Broadens access to basic property insurance for previously excluded residential properties.
California FAIR Plan: manufactured homes.
Expands California FAIR Plan insurance coverage to include manufactured homes and mobile homes. Requires insurers to offer manufactured home coverage under the same terms as traditional homes. Broadens access to basic property insurance for previously excluded residential properties.
Insurance.
Requires large insurers to submit annual reports on reinsurance data and catastrophic risk models starting March 2026. Extends deadlines to 180 days for filing insurance claims during state emergencies. Mandates 100% payment of personal property coverage limits during state emergencies without itemized claims. Imposes penalties up to $100,000 on insurers who fail to submit required reports.
Insurance.
Requires large insurers to submit annual reports on reinsurance data and catastrophic risk models starting March 2026. Extends deadlines to 180 days for filing insurance claims during state emergencies. Mandates 100% payment of personal property coverage limits during state emergencies without itemized claims. Imposes penalties up to $100,000 on insurers who fail to submit required reports.
Insurance agents: prelicensing education.
Eliminates the 20-hour prelicensing study requirement for new insurance agent license applicants. Maintains the mandatory 12-hour ethics course requirement with one hour focused on insurance fraud. Establishes new certification fees for ethics and continuing education course providers. Requires insurance curriculum to include training on commercial earthquake risk management.
Insurance agents: prelicensing education.
Eliminates the 20-hour prelicensing study requirement for new insurance agent license applicants. Maintains the mandatory 12-hour ethics course requirement with one hour focused on insurance fraud. Establishes new certification fees for ethics and continuing education course providers. Requires insurance curriculum to include training on commercial earthquake risk management.
California Safe Homes grant program.
Establishes a grant program to fund wildfire safety improvements for homes and communities in high-risk areas. Prioritizes roof replacements and creation of fire-resistant zones around homes to reduce wildfire damage. Requires recipients to be low-income homeowners in high fire risk zones or local governments. Mandates biennial performance reports tracking grant distribution and effectiveness starting January 2027.
California Safe Homes grant program.
Establishes a grant program to fund wildfire safety improvements for homes and communities in high-risk areas. Prioritizes roof replacements and creation of fire-resistant zones around homes to reduce wildfire damage. Requires recipients to be low-income homeowners in high fire risk zones or local governments. Mandates biennial performance reports tracking grant distribution and effectiveness starting January 2027.
Wildfire Safety and Risk Mitigation Program.
Establishes a new state program to develop a public wildfire risk prediction model for California communities. Provides university grants to create research centers for wildfire catastrophe modeling and risk assessment. Requires the Department of Insurance to publish a multiyear implementation plan on its website. Prioritizes funding for projects that benefit disadvantaged communities and areas with limited insurance access.
Wildfire Safety and Risk Mitigation Program.
Establishes a new state program to develop a public wildfire risk prediction model for California communities. Provides university grants to create research centers for wildfire catastrophe modeling and risk assessment. Requires the Department of Insurance to publish a multiyear implementation plan on its website. Prioritizes funding for projects that benefit disadvantaged communities and areas with limited insurance access.
Bonds: public entities as beneficiaries.
Establishes new requirements for bonds given to public entities in property-related contracts. Requires public entities to agree to make direct payments to contractors or their sureties. Mandates public entities to fulfill all contractual obligations before a bond becomes effective.
Bonds: public entities as beneficiaries.
Establishes new requirements for bonds given to public entities in property-related contracts. Requires public entities to agree to make direct payments to contractors or their sureties. Mandates public entities to fulfill all contractual obligations before a bond becomes effective.
State Emergency Food Bank Reserve Program: diapers and wipes.
Expands the State Emergency Food Bank Reserve Program to provide diapers and wipes during disasters. Authorizes food banks to distribute and receive reimbursement for diaper-related costs in emergencies. Targets support for low-income families struggling with diaper costs that average $100 per month per child. Streamlines implementation by exempting the program from certain contracting requirements.
State Emergency Food Bank Reserve Program: diapers and wipes.
Expands the State Emergency Food Bank Reserve Program to provide diapers and wipes during disasters. Authorizes food banks to distribute and receive reimbursement for diaper-related costs in emergencies. Targets support for low-income families struggling with diaper costs that average $100 per month per child. Streamlines implementation by exempting the program from certain contracting requirements.
California Pollution Control Financing Authority: name change.
Renames the California Pollution Control Financing Authority to the Capital Programs and Climate Financing Authority. Expands the authority's scope to include climate financing, small business support, and sustainable development. Establishes new loan programs for ADA compliance and seismic retrofitting projects up to $250,000. Creates an Employee Ownership Hub to help businesses transition to employee-owned models.
California Pollution Control Financing Authority: name change.
Renames the California Pollution Control Financing Authority to the Capital Programs and Climate Financing Authority. Expands the authority's scope to include climate financing, small business support, and sustainable development. Establishes new loan programs for ADA compliance and seismic retrofitting projects up to $250,000. Creates an Employee Ownership Hub to help businesses transition to employee-owned models.
Fire insurance: reporting on cancellation and nonrenewal.
Requires annual reporting on how wildfire-related insurance cancellation bans affect California homeowners. Prohibits insurers from canceling fire insurance policies in wildfire-affected areas for one year after emergencies. Mandates insurers to adjust coverage limits when homes are being rebuilt after total losses. Requires the state to track how many affected homeowners switch to last-resort FAIR Plan coverage.
Fire insurance: reporting on cancellation and nonrenewal.
Requires annual reporting on how wildfire-related insurance cancellation bans affect California homeowners. Prohibits insurers from canceling fire insurance policies in wildfire-affected areas for one year after emergencies. Mandates insurers to adjust coverage limits when homes are being rebuilt after total losses. Requires the state to track how many affected homeowners switch to last-resort FAIR Plan coverage.
False or misleading commercial disaster communication.
Increases penalties by up to $2,500 for deceptive insurance advertising during declared disasters. Applies enhanced penalties to commercial communications targeting disaster victims for up to 180 days. Targets for-profit companies that advertise disaster-related services using misleading government references. Protects disaster survivors from scams during the 60-day recovery period after emergencies end.
False or misleading commercial disaster communication.
Increases penalties by up to $2,500 for deceptive insurance advertising during declared disasters. Applies enhanced penalties to commercial communications targeting disaster victims for up to 180 days. Targets for-profit companies that advertise disaster-related services using misleading government references. Protects disaster survivors from scams during the 60-day recovery period after emergencies end.
Public insurance adjusters.
Strengthens regulations on public insurance adjusters by requiring detailed service contracts and fee disclosures. Prohibits adjusters from soliciting clients during disasters or between 6 PM and 8 AM. Extends contract cancellation period to 5 days during declared emergencies or disasters. Requires adjusters to provide clear written disclosures about their role and client rights.
Public insurance adjusters.
Strengthens regulations on public insurance adjusters by requiring detailed service contracts and fee disclosures. Prohibits adjusters from soliciting clients during disasters or between 6 PM and 8 AM. Extends contract cancellation period to 5 days during declared emergencies or disasters. Requires adjusters to provide clear written disclosures about their role and client rights.
Insurance Consumer Privacy Protection Act of 2025.
Establishes new privacy standards requiring insurance companies to protect and limit use of consumer data. Requires insurers to obtain consumer consent before sharing personal data for non-insurance purposes. Mandates clear privacy notices explaining how consumer data is collected, used and shared. Authorizes penalties up to $1 million for privacy violations and creates criminal penalties for data theft.
Insurance Consumer Privacy Protection Act of 2025.
Establishes new privacy standards requiring insurance companies to protect and limit use of consumer data. Requires insurers to obtain consumer consent before sharing personal data for non-insurance purposes. Mandates clear privacy notices explaining how consumer data is collected, used and shared. Authorizes penalties up to $1 million for privacy violations and creates criminal penalties for data theft.
Insurance: policy documents.
Reduces the time insurers must provide fire insurance policy copies after a loss from 30 to 15 days. Requires insurers to provide one free policy copy annually to customers who have not filed claims. Allows electronic delivery of policy documents during declared states of emergency.
Insurance: policy documents.
Reduces the time insurers must provide fire insurance policy copies after a loss from 30 to 15 days. Requires insurers to provide one free policy copy annually to customers who have not filed claims. Allows electronic delivery of policy documents during declared states of emergency.
Insurance: residential and commercial.
Requires California to cover residential property insurance rate increases above 7% through 2030. Eliminates state tax on residential property insurance premiums starting January 2026. Mandates a $1 billion annual investment in fire risk reduction over four years. Requires the Department of Insurance to propose regulatory reforms by March 2026.
Insurance: residential and commercial.
Requires California to cover residential property insurance rate increases above 7% through 2030. Eliminates state tax on residential property insurance premiums starting January 2026. Mandates a $1 billion annual investment in fire risk reduction over four years. Requires the Department of Insurance to propose regulatory reforms by March 2026.
Mortgages: hazard insurance proceeds.
Requires financial institutions to pay 2% annual interest on insurance payouts held during home repairs. Prohibits banks from charging fees that would reduce insurance payout interest below 2% annually. Takes effect immediately to protect wildfire victims receiving insurance payments.
Mortgages: hazard insurance proceeds.
Requires financial institutions to pay 2% annual interest on insurance payouts held during home repairs. Prohibits banks from charging fees that would reduce insurance payout interest below 2% annually. Takes effect immediately to protect wildfire victims receiving insurance payments.
Insurance: the California FAIR Plan Association.
Modernizes the California FAIR Plan by requiring both a website and toll-free number for insurance assistance. Removes the requirement to publish the FAIR Plan's toll-free number in telephone directories. Eliminates the mandate for the FAIR Plan to file new rate applications with the Insurance Commissioner.
Insurance: the California FAIR Plan Association.
Modernizes the California FAIR Plan by requiring both a website and toll-free number for insurance assistance. Removes the requirement to publish the FAIR Plan's toll-free number in telephone directories. Eliminates the mandate for the FAIR Plan to file new rate applications with the Insurance Commissioner.
Insurance.
Updates insurance terminology and licensing requirements to modernize state insurance regulations. Expands blanket insurance coverage to include volunteers for educational and sports organizations. Strengthens background check requirements for insurance licensees to include unlicensed professional conduct. Extends investment authority for the State Compensation Insurance Fund indefinitely.
Insurance.
Updates insurance terminology and licensing requirements to modernize state insurance regulations. Expands blanket insurance coverage to include volunteers for educational and sports organizations. Strengthens background check requirements for insurance licensees to include unlicensed professional conduct. Extends investment authority for the State Compensation Insurance Fund indefinitely.
California Pollution Control Financing Authority.
Expands the Capital Access Loan Program to accept new funding sources for small business assistance. Creates dedicated funds for ADA compliance and seismic retrofitting projects. Authorizes multiple forms of financial assistance including loans, grants, and credit enhancements. Limits administrative costs to 5 percent of appropriations to maximize program benefits.
California Pollution Control Financing Authority.
Expands the Capital Access Loan Program to accept new funding sources for small business assistance. Creates dedicated funds for ADA compliance and seismic retrofitting projects. Authorizes multiple forms of financial assistance including loans, grants, and credit enhancements. Limits administrative costs to 5 percent of appropriations to maximize program benefits.
California FAIR Plan Association governing committee.
Expands the California FAIR Plan Association's governing committee to include the Assembly Speaker and Senate Rules Committee Chair as nonvoting members to increase oversight of last-resort property insurance. Takes effect immediately as an urgency measure to address the growing unavailability of property insurance coverage due to catastrophic wildfires. Maintains the FAIR Plan's authority to assess member insurance companies for operational costs and set coverage limits to ensure financial stability.
California FAIR Plan Association governing committee.
Expands the California FAIR Plan Association's governing committee to include the Assembly Speaker and Senate Rules Committee Chair as nonvoting members to increase oversight of last-resort property insurance. Takes effect immediately as an urgency measure to address the growing unavailability of property insurance coverage due to catastrophic wildfires. Maintains the FAIR Plan's authority to assess member insurance companies for operational costs and set coverage limits to ensure financial stability.