HB1511 • 2026

RELATING TO CONSUMER PROTECTION.

Passed Legislature

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

Sponsor: MATAYOSHI, EVSLIN, GRANDINETTI, ILAGAN, KILA, KITAGAWA, KUSCH, LEE, M., MARTEN, MORIKAWA, OLDS, TAKAYAMA, TAM, TARNAS, TEMPLO
Last action: 2026-05-07
Official status: Transmitted to Governor.
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

RELATING TO CONSUMER PROTECTION.

What This Bill Does

RELATING TO CONSUMER PROTECTION.
Consumer Protection; Unsolicited Mail and Electronic Mail; Vehicle Warranties; Service Contracts; Home Warranties; Government-Issued Licenses and Registrations; Prohibitions Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to vehicle warranties, service contracts, home warranties, and government-issued licenses or registrations, unless certain disclosures are met.
Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer.
(CD1)

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

CD1

Hawaii published version CD1

Plain English: HB1511 CD1 HOUSE OF REPRESENTATIVES H.B.

HB1511 CD1 HOUSE OF REPRESENTATIVES H.B.
NO.
1511 THIRTY-THIRD LEGISLATURE, 2026 H.D.
2 STATE OF HAWAII S.D.

HD1

Hawaii published version HD1

Plain English: HB1511 HD1 HOUSE OF REPRESENTATIVES H.B.

HB1511 HD1 HOUSE OF REPRESENTATIVES H.B.
NO.
1511 THIRTY-THIRD LEGISLATURE, 2026 H.D.
1 STATE OF HAWAII A BILL FOR AN ACT RELATING TO CONSUMER PROTECTION .

HD2

Hawaii published version HD2

Plain English: HB1511 HD2 HOUSE OF REPRESENTATIVES H.B.

HB1511 HD2 HOUSE OF REPRESENTATIVES H.B.
NO.
1511 THIRTY-THIRD LEGISLATURE, 2026 H.D.
2 STATE OF HAWAII A BILL FOR AN ACT RELATING TO CONSUMER PROTECTION .

SD1

Hawaii published version SD1

Plain English: HB1511 SD1 HOUSE OF REPRESENTATIVES H.B.

HB1511 SD1 HOUSE OF REPRESENTATIVES H.B.
NO.
1511 THIRTY-THIRD LEGISLATURE, 2026 H.D.
2 STATE OF HAWAII S.D.

Bill History

2026-05-08 S
Received notice of passage on Final Reading in House (Hse. Com. No. 888).
2026-05-07 H
Transmitted to Governor.
2026-05-06 H
Received notice of Final Reading (Sen. Com. No. 816).
2026-05-06 H
Passed Final Reading as amended in CD 1 with none voting aye with reservations; Representative(s) Garcia, Muraoka, Pierick voting no (3) and none excused (0).
2026-05-06 S
Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
2026-04-29 S
48 Hrs. Notice (as amended CD 1) 05-06-26
2026-04-29 S
Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 62-26).
2026-04-29 H
Forty-eight (48) hours notice Wednesday, 05-06-26.
2026-04-29 H
Reported from Conference Committee (Conf Com. Rep. No. 62-26) as amended in (CD 1).
2026-04-27 S
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Keohokalole, Rhoads, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.
2026-04-27 H
The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Matayoshi, Tarnas, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
2026-04-24 H
Bill scheduled for Conference Committee Meeting on Monday, 04-27-26 2:30PM in conference room 224.
2026-04-23 H
Received notice of Senate conferees (Sen. Com. No. 725).
2026-04-22 S
Senate Conferees Appointed: Keohokalole Chair; Rhoads Co-Chair; Awa.
2026-04-21 S
Received notice of appointment of House conferees (Hse. Com. No. 799).
2026-04-21 H
House Conferees Appointed: Matayoshi, Tarnas Co-Chairs; Pierick.
2026-04-17 S
Received notice of disagreement (Hse. Com. No. 780).
2026-04-16 H
House disagrees with Senate amendment (s).
2026-04-14 H
Returned from Senate (Sen. Com. No. 575) in amended form (SD 1).
2026-04-14 S
Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.
2026-04-10 S
One Day Notice 04-14-26.
2026-04-10 S
Reported from JDC (Stand. Com. Rep. No. 3752) with recommendation of passage on Third Reading.
2026-04-01 S
The committee(s) on JDC recommend(s) that the measure be PASSED, UNAMENDED. The votes in JDC were as follows: 4 Aye(s): Senator(s) Rhoads, Chang, San Buenaventura, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Gabbard.
2026-03-30 S
The committee(s) on JDC will hold a public decision making on 04-01-26 10:40AM; Conference Room 016 & Videoconference.
2026-03-25 S
Report adopted; Passed Second Reading, as amended (SD 1) and referred to JDC.
2026-03-25 S
Reported from CPN (Stand. Com. Rep. No. 3182) with recommendation of passage on Second Reading, as amended (SD 1) and referral to JDC.
2026-03-18 S
The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.
2026-03-13 S
The committee(s) on CPN has scheduled a public hearing on 03-18-26 9:30AM; Conference Room 229 & Videoconference.
2026-03-12 S
Referred to CPN, JDC.
2026-03-12 S
Passed First Reading.
2026-03-12 S
Received from House (Hse. Com. No. 233).
2026-03-10 H
Passed Third Reading as amended in HD 2 with none voting aye with reservations; Representative(s) Garcia voting no (1) and Representative(s) Pierick excused (1). Transmitted to Senate.
2026-03-06 H
Forty-eight (48) hours notice Tuesday, 03-10-26.
2026-03-06 H
Reported from JHA (Stand. Com. Rep. No. 1109-26) as amended in HD 2, recommending passage on Third Reading.
2026-03-03 H
The committee on JHA recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Tarnas, Poepoe, Belatti, Hashem, Kahaloa, Sayama, Takayama, Shimizu; Ayes with reservations: Representative(s) Garcia; Noes: none; and 1 Excused: Representative(s) Cochran.
2026-02-27 H
Bill scheduled to be heard by JHA on Tuesday, 03-03-26 2:00PM in House conference room 325 VIA VIDEOCONFERENCE.
2026-02-20 H
Passed Second Reading as amended in HD 1 and referred to the committee(s) on JHA with none voting aye with reservations; Representative(s) Pierick voting no (1) and Representative(s) Quinlan excused (1).
2026-02-20 H
Reported from CPC (Stand. Com. Rep. No. 675-26) as amended in HD 1, recommending passage on Second Reading and referral to JHA.
2026-02-10 H
The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 11 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Ichiyama, Iwamoto, Kong, Lowen, Marten, Tam, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
2026-02-06 H
Bill scheduled to be heard by CPC on Tuesday, 02-10-26 2:00PM in House conference room 329 VIA VIDEOCONFERENCE.
2026-01-26 H
Referred to CPC, JHA, referral sheet 1
2026-01-21 H
Introduced and Pass First Reading.
2026-01-14 H
Prefiled.

Official Summary Text

RELATING TO CONSUMER PROTECTION.
Consumer Protection; Unsolicited Mail and Electronic Mail; Vehicle Warranties; Service Contracts; Home Warranties; Government-Issued Licenses and Registrations; Prohibitions
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to vehicle warranties, service contracts, home warranties, and government-issued licenses or registrations, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. (CD1)

Current Bill Text

Read the full stored bill text

HB1511

HOUSE OF REPRESENTATIVES

H.B. NO.

1511

THIRTY-THIRD LEGISLATURE, 2026

STATE OF HAWAII

A BILL FOR AN ACT

relating
to consumer protection
.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:

����
SECTION 1.
�
Chapter 481B, Hawaii Revised Statutes, is
amended by adding two new sections to part I to be appropriately designated and
to read as follows:

����
"
�481B-
�
Vehicle
warranties; unsolicited mail and electronic mail.
�
(a)
�
No entity shall distribute unsolicited mail
or electronic mail to a consumer that is reasonably likely to result in the
consumer believing that a vehicle manufacturer, new motor vehicle dealer, used
motor vehicle dealer, or insurance company is asking the consumer to send money
to extend a vehicle warranty, unless the entity includes a clear and
conspicuous statement, printed or rendered in bold face fourteen point type and
located in a position that is reasonably calculated to draw the attention of
the reader, that:

����
(1)
�
The entity is
not affiliated with the vehicle manufacturer, new motor vehicle dealer, used
motor vehicle dealer, or insurance company; and

����
(2)
�
The extended vehicle
warranty being offered is completely optional;

provided
that if the notice of opt-in is not included in the mail or electronic mail,
any contract entered into as a result of the unsolicited mail or electronic
mail shall be voidable at the option of the consumer, and any money paid by the
consumer under the contract shall be refunded in full.

����
(b)
�

For purposes of this section:

����
"Entity" means a person, firm,
partnership, association, or corporation, or agent or employee thereof.

����
"New motor vehicle dealer" has the
same meaning as defined in section 437-1.1.

����
"Used motor vehicle dealer" has the
same meaning as defined in section 437-1.1.

����
"Vehicle manufacturer" has the same
meaning as "manufacturer" as defined in section 437-1.1.

����
�481B-
�
Home warranties; unsolicited mail and
electronic mail.
�
(a)
�

No entity shall distribute unsolicited mail or electronic mail to a
consumer that is reasonably likely to result in the consumer believing that a mortgage
loan originator, mortgage loan originator company, mortgage servicer, or
insurance company is asking the consumer to send money to extend a home
warranty, unless the entity includes a clear and conspicuous statement, printed
or rendered in bold face fourteen point type and located in a position that is
reasonably calculated to draw the attention of the reader, that:

����
(1)
�
The entity is
not affiliated with the mortgage loan originator, mortgage loan originator
company, mortgage servicer, or insurance company;

����
(2)
�
The home
warranty being offered is completely optional; and

����
(3)
�
The consumer's
existing benefits, rights, and protections will not be affected by a failure to
contact the entity;

provided that if the notice of opt-in is not
included in the mail or electronic mail, any contract entered into as a result
of the mail or electronic mail shall be voidable at the option of the consumer,
and any money paid by the consumer under the contract shall be refunded in full.

����
(b)
�
As
used in this section:

����
"Entity" means a person, firm,
partnership, association, or corporation, or agent or employee thereof.

����
"Mortgage loan originator" has the
same meaning as defined in section 454F-1.

����
"Mortgage loan originator company"
has the same meaning as defined in section 454F-1.

����
"Mortgage servicer" has the same
meaning as defined in section 454M-1.
"

����
SECTION 3.
�
New statutory material is underscored.

����
SECTION 4.
�
This Act shall take effect upon its approval.

INTRODUCED BY:

_____________________________

Report Title:

Consumer
Protection; Vehicle Warranties; Home Warranties; Unsolicited Mail and
Electronic Mail; Vehicle Manufacturers; Dealers; Insurers; Mortgage Loan
Originators; Mortgage Servicers; Prohibitions

Description:

Prohibits
certain entities from distributing unsolicited mail or electronic mail that is
reasonably likely to cause a consumer to believe that a vehicle manufacturer,
dealer, mortgage loan originator, mortgage servicer, or insurance company is
asking the consumer to send money to extend a vehicle warranty or home warranty,
unless certain disclosures are met.
�
Makes
contracts that fail to meet disclosure requirements voidable at the option of
the consumer.

The summary description
of legislation appearing on this page is for informational purposes only and is
not legislation or evidence of legislative intent.