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: 2026-06-04
Official status: From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.
Effective date: Not listed

Plain English Breakdown

The official source does not specify how often or when the commissioner will check on the association.

California FAIR Plan Association Rules

This law requires the California FAIR Plan Association to correct issues identified by the Insurance Commissioner and sets penalties for non-compliance.

What This Bill Does

Requires the association to take corrective actions as specified by the commissioner or their designee to rectify violations of applicable statutes, regulations, accounting principles, or other rules prescribed by the commissioner.
Imposes a penalty not exceeding $20,000 for failing to correct issues within an agreed timeframe.
Sets penalties up to $10,000 per act in violation and up to $20,000 if the violation was willful.
Authorizes the commissioner to adjust policy limits and add new coverage types for renters' insurance.

Who It Names or Affects

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

Terms To Know

FAIR Plan Association: A group where all insurers work together to provide basic home insurance for people who can't get it from regular companies.
Insurance Commissioner: The person in charge of overseeing and regulating the insurance industry in California.

Limits and Unknowns

Does not specify how often or when the Insurance Commissioner will check on the association.
Does not explain what happens if the association cannot afford to pay fines.
Does not detail exactly which new coverage types can be added for renters.

Bill History

2026-06-04 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.
2026-06-03 California Legislative Information
Referred to Com. on INS.
2026-05-21 California Legislative Information
In Senate. Read first time. To Com. on RLS. for assignment.
2026-05-21 California Legislative Information
Read third time. Passed. Ordered to the Senate. (Ayes 62. Noes 8.)
2026-05-18 California Legislative Information
Read second time. Ordered to third reading.
2026-05-14 California Legislative Information
From committee: Do pass. (Ayes 12. Noes 1.) (May 14).
2026-04-29 California Legislative Information
In committee: Set, first hearing. Referred to APPR. suspense file.
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 take corrective
actions to correct
actions, as specified by the commissioner or their designee, to rectify
violations of applicable statutes, regulations,
statutory
accounting principles, or other applicable rules
and guidelines prescribed by the commissioner or their designee and
identified in a report of examination or other operational report. The bill would subject the association to a
fine
penalty
of not more than $20,000 for failing to take
correction
the specified corrective
action within a timeframe agreed upon by the commissioner or
a person designated by the commissioner.
their designee.
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 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