On September 2, 2026, the Texas Department of Insurance (TDI) issued Commissioner’s Bulletin # B-0007-26 (the Bulletin), addressed to all insurance companies and their agents and representatives, regarding the use of price optimization in ratemaking and pricing. The Bulletin defines price optimization, identifies the statutory provisions it implicates, and states TDI’s position that any use of price optimization in the ratemaking or pricing process is unfairly discriminatory and violates the Texas Insurance Code.  

On August 12, 2026, New Hampshire Insurance Commissioner David J. Bettencourt issued Bulletin Docket No. INS 26-052-AB (the Bulletin), directed to all “personal lines automobile insurers” operating in the state. The Bulletin addresses the New Hamshire Insurance Department’s (the NHID) interpretation and enforcement of N.H. Rev. Stat. Ann. § 417-A:5 as it relates to policy termination notices issued following an insured’s failure to make a renewal premium payment by its due date.

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.”