On September 29, 2026, the Texas Department of Insurance (TDI) published a proposed amendment to 28 Tex. Admin. Code § 21.1006, which prohibits insurers from declining to write or renew residential property insurance based on the age of a property or its components. TDI characterizes the proposed amendments as clarifying rather than substantive, stating that they “do not change the rule’s meaning or application” but instead “further the goals of Government Code Chapter 465 by making the rule clearer, more concise, and more consistent.” The public comment period runs through November 9, 2026, and TDI will hold a public hearing on the proposal on November 3, 2026.
Read More New Texas Rule Would Clarify That Insurers Cannot Deny Homeowners Coverage Based on Roof AgeInsurance
When Insurance Law Meets Consumer Finance: Navigating Embedded Insurance Products
In this episode of The Consumer Finance Podcast, host Chris Willis is joined by insurance regulatory and transactions partners Brian Casey and John Emmanuel to introduce Troutman Pepper Locke’s insurance regulatory practice and explore where insurance law and consumer finance regulation intersect.
Read More When Insurance Law Meets Consumer Finance: Navigating Embedded Insurance ProductsFCC Revises TCPA Revocation of Consent Rules That Were Set to Go Into Effect in January
By Brian Hays & Stefanie Jackman on
Posted in Insurance
- The FCC has circulated a Report and Order (FCC-CIRC 2609-05) revising the Telephone Consumer Protection Act (TCPA) consent-revocation framework, with new rules set to take effect 30 days after Federal Register publication.
- Under the revised rules, callers may treat a consumer’s revocation request
Massachusetts Prohibits Insurer Restrictions on Public Adjuster Retention
By John Emmanuel & Matt Cossu on
Posted in Insurance, Massachusetts Developments
On August 7, 2026, Governor Maura Healey signed into law Chapter 187 of the Acts of 2026 (the Act), formerly Senate Bill No. 785, titled “An Act Relative to Insurance Claims.” The new law, introduced by Senator Joan B. Lovely, amends two chapters of the Massachusetts General Laws, Chapter 175 and Chapter 176D, to prohibit insurers, including any non-admitted or surplus lines insurers, from including in a property and casualty policy any language that restricts an insured’s ability to hire a public insurance adjuster as a condition of recovery.
Read More Massachusetts Prohibits Insurer Restrictions on Public Adjuster RetentionHawaii Insurance Division Reclassifies Pet Insurance as Property Insurance
By Alan Levin, John Emmanuel, Matt Cossu & Matthew Pasko* on
Posted in Insurance, Insurance Regulatory & Transactional
On July 17, 2026, the State of Hawaii Department of Commerce and Consumer Affairs Insurance Division issued Memorandum 2026-5PC (the Memorandum) titled “Hawaii Pet Insurance” to “All Insurers Issuing Pet Insurance Products.” The Memorandum states that effective January 1, 2026, under Hawaii Act 79 (the Act), “pet insurance is now…
Read More Hawaii Insurance Division Reclassifies Pet Insurance as Property InsuranceSeventh Circuit Rules Text Messages Are Not “Telephone Calls” Under TCPA § 227(c)(5) — A Circuit Split Emerges
By Brian Hays & Stefanie Jackman on
Posted in Insurance, Reinsurance
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 EmergesCongress Moves to Extend the Terrorism Risk Insurance Act Until 2034
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 2034The NAIC’s PeopleSoft Breach: A Chronology of Communications
By John Emmanuel & Matt Cossu on
Posted in Insurance, Insurance Regulatory & Transactional
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 CommunicationsAct No. 9100: Virgin Islands Guarantee Fund Funding Level Increased
By Alan Levin, Matt Cossu & Matthew Pasko* on
Posted in Insurance, Insurance Regulatory & Transactional
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 IncreasedIllinois General Assembly Votes to Require Rate Review for Auto and Homeowners Insurance
By Paige Waters on
Posted in Insurance
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