AB-1680 • 2026

California FAIR Plan Association.

Housing

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Calderon
Last action: 2026-04-15
Official status: From committee: Do pass and re-refer to Com. on APPR. (Ayes 14. Noes 1.) (April 15). Re-referred to Com. on APPR.
Effective date: Not listed

Plain English Breakdown

The candidate explanation included claims about adjusting policy limits and coverage offerings which were removed as they are not supported by the official source material.

California FAIR Plan Association Rules

This law requires the California FAIR Plan Association to correct identified violations and sets penalties for non-compliance, including fines up to $20,000.

What This Bill Does

Requires the association to take corrective actions based on reports from the Insurance Commissioner or a person designated by the commissioner.
Imposes fines of up to $20,000 if the association fails to correct issues within an agreed-upon timeframe.
Sets penalties ranging from $10,000 to $20,000 for other violations depending on whether they were willful or not.

Who It Names or Affects

The California FAIR Plan Association
Insurance companies that are part of the association

Terms To Know

FAIR Plan: A program designed to provide basic property insurance for people who cannot get it from regular insurers.
Insurance Commissioner: The official in charge of overseeing and regulating the insurance industry in California.

Limits and Unknowns

Does not specify how the commissioner will determine if a violation is intentional or not.
Does not provide details on what specific actions the association must take to correct violations.
Does not outline the process for adjusting policy limits and coverage offerings under the renters’ property insurance program.

Bill History

2026-04-15 California Legislative Information
From committee: Do pass and re-refer to Com. on APPR. (Ayes 14. Noes 1.) (April 15). Re-referred to Com. on APPR.
2026-04-14 California Legislative Information
Re-referred to Com. on INS.
2026-04-13 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
2026-03-26 California Legislative Information
Re-referred to Com. on INS.
2026-03-25 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
2026-02-23 California Legislative Information
Referred to Com. on INS.
2026-02-03 California Legislative Information
From printer. May be heard in committee March 5.
2026-02-02 California Legislative Information
Read first time. To print.

Official Summary Text

AB 1680, as amended, Calderon.
California FAIR Plan Association.
The California FAIR Plan Association is a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the Insurance Commissioner to approve the association’s plan of operation and authorizes the commissioner to examine the association’s books, records, files, papers, and documents that relate to its operation. Existing law authorizes the commissioner to impose civil penalties for various violations of the Insurance Code.
This bill would require the association to
comply with the recommendations of
take corrective actions to correct violations of applicable statutes, regulations, statutory accounting principles, or other applicable rules identified in
a report of examination or other operational
report and
report. The bill
would subject the association to a fine of not more than $20,000 for
each violation of failing to adopt the recommendations
failing to take correction action
within a timeframe agreed upon by the commissioner or a person designated by the commissioner. The bill would set other civil penalty amounts for violations of provisions relative to the association as not to exceed
$10,000 for each act in violation or not to exceed $20,000 if the act was willful, and would require the commissioner to impose those penalties, as specified.
The
The
bill would also authorize the commissioner to require the association to both adjust the policy limits available under programs underwritten by the association and make additional coverage offerings available for fair rental value coverage under the association’s renters’ property insurance program.

Current Bill Text

Read the full stored bill text

Download Bill PDF