Background: The TCPA’s Private Right of Action for Unwanted Calls

Congress enacted the TCPA in 1991 to address the proliferation of unwanted telephone solicitations. The statute defines “telephone solicitation” as “the initiation of a telephone call or message for the purpose of encouraging the purchase or rental of, or investment in, property, goods, or services.” 47 U.S.C. § 227(a)(4) (emphasis added).

Read More Seventh Circuit Rules Text Messages Are Not “Telephone Calls” Under TCPA § 227(c)(5) — A Circuit Split Emerges

On July 1, 2026, the New York Department of Financial Services (the NYDFS) published Insurance Circular Letter No. 3 (the Letter) regarding “2026 Motor Vehicle Insurance Reforms.” The Letter, addressed to “All Insurers Authorized to Write Motor Vehicle Insurance in New York State, the New York Automobile Insurance Plan, and Rate Service Organizations” concerns changes to the New York Insurance Law, Penal Law, and Civil Practice Law and Rules (the CPLR) relating to motor vehicle insurance as a result of Chapters 55 and 58 of the Laws of 2026 being signed into law on May 27 and May 26, 2026, respectively. The overarching purpose of the amendments was to “address drivers of rising costs affecting motor vehicle insurance premiums, including fraudulent and abusive claims practices, and to ensure that insurers obtain prior approval before increasing motor vehicle insurance rates.”

Read More New York Department of Financial Services Informs Insurers of Motor Vehicle Insurance Reforms

Across every part of the insurance industry, our attorneys are at work and the recognition is following. This blog has featured updates about state rate filing overhauls and market conduct enforcement, surplus lines diligent-effort requirements and NRRA home state complexities, NAIC annuity illustration practices, captive structures for InsurTechs, and professional liability coverage decisions. Keeping pace with that range takes a legal team that can move between transactions, regulations, and disputes with ease and precision.

Read More Troutman Pepper Locke Earns Expanded Chambers USA Recognition for Insurance Transactional, Regulatory, and Litigation Work

On June 29, 2026, the House of Representatives passed H.R. 7128, “TRIA Program Reauthorization Act of 2026” (the Act). The Act concerns the Terrorism Risk Insurance Act of 2002 (TRIA), which was passed in the aftermath of the September 11, 2001, terrorist attacks. TRIA requires commercial property and casualty insurers…

Read More Congress Moves to Extend the Terrorism Risk Insurance Act Until 2034

On June 22, 2026, the Texas Department of Insurance (the Department) issued a news release (the Release) titled “TDI Prioritizes Transparency by Making Home and Auto Data Public.” The Release explains that the Department has “created resources to give Texans access to data the agency collects about home insurance…

Read More Texas Department of Insurance Unveils New Online Tools for Greater Department Transparency

On June 17, 2026, the National Association of Insurance Commissioners (NAIC) first disclosed to the public that there had been unauthorized access to its online infrastructure through its PeopleSoft systems. Over the past week, the NAIC has issued two more updates, each providing additional details and updating interested parties of…

Read More The NAIC’s PeopleSoft Breach: A Chronology of Communications

On June 22, 2026, the U.S. Virgin Islands Division of Banking, Insurance, and Financial Regulation (the Division) issued Bulletin 2026-04 (the Bulletin) regarding an “increase in the Virgin Islands Insurance Guaranty Fund amount and policyholder or third-party coverage limit[s].” The Bulletin informs residents of the Virgin Islands that Act No.

Read More Act No. 9100: Virgin Islands Guarantee Fund Funding Level Increased 

On June 12, 2026, the Texas Department of Insurance (DOI) issued Commissioner’s Bulletin No. B-0004-26 (the Bulletin) to “[a]ll insurance companies licensed to write property and casualty insurance in the state of Texas.” The Bulletin, titled “Calendar Year 2025 Disallowed Expenses Data Call,” issues a mandatory data call under Texas…

Read More Texas Department of Insurance Issues Disallowed Expenses Data Call

I. Senate Bill 26-155 – The Enterprise

On June 4, 2026, Colorado Governor Jared Polis signed Senate Bill 26-155, “Concerning Increasing the Availability of Homeowner’s Insurance in the State.” (the Bill). The Bill adds a new Part 20 to Article 4 of Title 10 of the Colorado Revised Statutes, creating the “Strengthen Colorado Homes Enterprise” (the Enterprise) within the Colorado Division of Insurance. The Enterprise is structured as a “government-owned business” designed to assist homeowners in retrofitting residential property against extreme weather events, principally hail and windstorms. Importantly for carriers writing homeowner’s policies in Colorado, the Bill authorizes the Enterprise to administer and collect a new annual fee, effective beginning in calendar year 2027, equal to 0.5% of the total premium collected by the insurer on multiperil homeowner’s insurance policies issued in Colorado for the preceding calendar year.

Read More No Pain, No Gain For Homeowners’ Insurers: Colorado Senate Bill 26-155

For the first time in more than 50 years, auto and homeowners insurers will be required to file insurance rates with the Illinois Department of Insurance. Illinois was one of the only states engaging in open competition, which it has done since 1971.

Read More Illinois General Assembly Votes to Require Rate Review for Auto and Homeowners Insurance