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HB903 • 2026

INSURANCE: Provides for fines issued by the commissioner of insurance

INSURANCE: Provides for fines issued by the commissioner of insurance

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
John "Big John" Illg , Jr.
Last action
2026-05-22
Official status
Signed by the Governor - Act 325
Effective date
Not listed

Plain English Breakdown

The official source material does not provide specific details on how the changes will affect enforcement actions or what constitutes 'irreparable harm'.

Insurance Fines by Commissioner

This act changes the rules for fines that the commissioner of insurance can issue to insurers, persons, or entities who violate insurance laws in Louisiana.

What This Bill Does

  • Increases the maximum fine an insurer can receive per violation from $1,000 up to a total of one million dollars annually.
  • Requires aggrieved parties have the right to a hearing before any penalties are imposed.
  • Updates several sections of Louisiana's insurance code to reflect these changes.

Who It Names or Affects

  • Insurance companies and individuals who violate insurance laws in Louisiana.
  • The commissioner of insurance, who enforces these rules.

Terms To Know

Certificate of authority
A document that allows an insurer to operate legally within a state.
Commissioner of Insurance
The official responsible for overseeing and enforcing insurance laws in Louisiana.

Limits and Unknowns

  • It is unclear how the changes will affect specific violations or enforcement actions.
  • The act does not specify what constitutes 'irreparable harm' that would allow immediate action without delay.

Amendments

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

Plain English: The amendment increases the maximum total fines that can be imposed by the commissioner of insurance for violations from $100,000 to $1,000,000 per insurer, person, or entity in a calendar year.

  • Increases the annual fine aggregation limit from $100,000 to $1,000,000 for insurers, persons, and entities.
  • Raises the fine cap for health insurance issuers from $100,000 to $1,000,000 per year.
  • Boosts the annual violation fine limit for insurance producers from $10,000 to $100,000.
  • Enhances the yearly fine ceiling for claims adjusters and limited licensees from $10,000 to $100,000.
  • The amendment text does not specify changes to individual violation fines but only increases the total annual aggregation limit.
  • Technical details of how these changes will be implemented are not provided in the summary.

Plain English: HCAHB903 4878 3307 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.

  • HCAHB903 4878 3307 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 1, line 4, change "to remove certain" to "to provide for certain" 3 AMENDMENT NO.
  • 2 4 On page 1, delete lines 17 and 18 in their entirety and insert in lieu thereof the following: 5 "per insurer, person, or entity, up to one hundred thousand million dollars aggregate 6 for all violations in a calendar year per insurer, person, or entity, when if such violations" 7 AMENDMENT NO.

Plain English: HCAHB903 4878 3292 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.

  • HCAHB903 4878 3292 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 1, line 4, change "to remove certain" to "to provide for certain" 3 AMENDMENT NO.
  • 2 4 On page 1, line 21, after "any" and before "action" delete "such" 5 AMENDMENT NO.

Plain English: HCAHB903 4878 3279 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.

  • HCAHB903 4878 3279 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 1, line 4, change "to remove certain" to "to provide for certain" 3 AMENDMENT NO.
  • 2 4 On page 1, line 21, after "any" and before "action" delete "such" 5 AMENDMENT NO.

Plain English: HCAHB903 4878 1415 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.

  • HCAHB903 4878 1415 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Insurance to Original House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 1, line 4, change "to remove certain" to "to provide for certain" 3 AMENDMENT NO.
  • 2 4 On page 1, delete lines 17 and 18 in their entirety and insert in lieu thereof the following: 5 "per insurer, person, or entity, up to one five hundred thousand dollars aggregate for 6 all violations in a calendar year per insurer, person, or entity, when if such violations" 7 AMENDMENT NO.

Plain English: 2026 Regular Session Sequence: 1238 HBS AMENDED BY SENATE TO BE CONCURRED IN HB 903 BY ILLG CONCUR IN SENATE AMENDMENTS Date: 5/13/2026 Time: 2:36:05 PM ROLL CALL The roll was called with the following result: YEAS Mr.

  • 2026 Regular Session Sequence: 1238 HBS AMENDED BY SENATE TO BE CONCURRED IN HB 903 BY ILLG CONCUR IN SENATE AMENDMENTS Date: 5/13/2026 Time: 2:36:05 PM ROLL CALL The roll was called with the following result: YEAS Mr.
  • Speaker Adams Amedee Bacala Bagley Bamburg Bayham Beaullieu Berault Billings Boudreaux Bourriaque Boyd Boyer Brass Braud Broussard Bryant Butler Carlson Carrier Carter, W.
  • Carver Chassion Chenevert Coates Cox Crews Deshotel Dewitt Dickerson Domangue Edmonston Egan Farnum Firment Fisher Fontenot Freeman Freiberg Gadberry Galle Geymann Glorioso Green Hebert Henry, C.
  • Henry, D.

Plain English: SCAHB903 3275 2549 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.

  • SCAHB903 3275 2549 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 3, line 2, after "commissioner" delete "of insurance is" and insert "of insurance is" 3 AMENDMENT NO.
  • 2 4 On page 3, at the beginning of line 3, delete "authorized to" and insert "authorized to may" Page 1 of 1

Plain English: SCAHB903 3275 2461 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.

  • SCAHB903 3275 2461 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.
  • 903 by Representative Illg 1 AMENDMENT NO.
  • 1 2 On page 3, line 2, after "commissioner" delete "of insurance is" and insert "of insurance is" 3 AMENDMENT NO.
  • 2 4 On page 3, at the beginning of line 3, delete "authorized" and insert "authorized may" Page 1 of 1

Bill History

  1. 2026-05-22 H

    Effective date: 05/22/2026.

  2. 2026-05-22 H

    Signed by the Governor. Becomes Act No. 325.

  3. 2026-05-19 H

    Sent to the Governor for executive approval.

  4. 2026-05-18 S

    Signed by the President of the Senate.

  5. 2026-05-18 H

    Enrolled and signed by the Speaker of the House.

  6. 2026-05-13 H

    Read by title, roll called, yeas 97, nays 0, Senate amendments concurred in.

  7. 2026-05-12 H

    Scheduled for concurrence on 05/13/2026.

  8. 2026-05-12 H

    Received from the Senate with amendments.

  9. 2026-05-11 S

    The amended bill was read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

  10. 2026-04-28 S

    Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

  11. 2026-04-27 S

    Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.

  12. 2026-04-22 S

    Reported with amendments.

  13. 2026-04-15 S

    Read second time by title and referred to the Committee on Insurance.

  14. 2026-04-14 S

    Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.

  15. 2026-04-14 H

    Read third time by title, roll called on final passage, yeas 101, nays 0. Finally passed, title adopted, ordered to the Senate.

  16. 2026-04-13 H

    Scheduled for floor debate on 04/14/2026.

  17. 2026-04-09 H

    Read by title, amended, ordered engrossed, passed to 3rd reading.

  18. 2026-04-08 H

    Reported with amendments (13-0).

  19. 2026-03-09 H

    Read by title, under the rules, referred to the Committee on Insurance.

  20. 2026-02-27 H

    First appeared in the Interim Calendar on 2/27/2026.

  21. 2026-02-27 H

    Under the rules, provisionally referred to the Committee on Insurance.

  22. 2026-02-27 H

    Prefiled.

Official Summary Text

INSURANCE: Provides for fines issued by the commissioner of insurance

Current Bill Text

Read the full stored bill text
ENROLLED
2026 Regular Session
HOUSE BILL NO. 903
BY REPRESENTATIVE ILLG
1 AN ACT
2 To amend and reenact R.S. 22:18(A), 257(B), 1019.3(D)(2), 1529(B), 1554(A)(introductory
3 paragraph), 1672(A)(introductory paragraph), 1770, and 1808.8(A)(introductory
4 paragraph), relative to fines issued by the commissioner; to provide for certain
5 limitations; to make technical changes; to provide for effectiveness; and to provide
6 for related matters.
7 Be it enacted by the Legislature of Louisiana:
8 Section 1. R.S. 22:18(A), 257(B), 1019.3(D)(2), 1529(B), 1554(A)(introductory
9 paragraph), 1672(A)(introductory paragraph), 1770, and 1808.8(A)(introductory paragraph)
10 are hereby amended and reenacted to read as follows:
11 §18. Suspension or revocation of insurers' licenses; fines; orders
12 A. The commissioner of insurance may, as a penalty, in accordance with R.S.
13 49:977.3, refuse to renew, or may suspend or revoke, the certificate of authority or
14 license of any insurer, person, or entity violating any of the provisions of this Code,
15 or in lieu of suspension or revocation of a certificate or license duly issued, the
16 commissioner may levy a fine not to exceed one thousand dollars for each violation
17 per insurer, person, or entity, up to one hundred thousand million dollars aggregate
18 for all violations in a calendar year per insurer, person, or entity, when if such
19 violations warrant the refusal, suspension, or revocation of such certificate or license,
20 or the imposition of the fine. The commissioner is also authorized to may also order
21 any insurer, person, or entity to cease and desist any such action that violates any
22 provision of this Code. An aggrieved party affected by the commissioner's decision,
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HB NO. 903 ENROLLED
1 act, or order may demand a hearing in accordance with Chapter 12 of this Title, R.S.
2 22:2191 et seq. If the insurer has demanded a timely hearing, the penalty or fine
3 ordered by the commissioner shall not be imposed until such time as the division of
4 administrative law makes a finding that the penalty or fine is warranted in a proper
5 hearing held in the manner provided in Chapter 12 of this Title.
6 * * *
7 §257. Suspension or revocation of certificate of authority
8 * * *
9 B. A certificate of authority shall be suspended or revoked only after
10 compliance with the requirements of R.S. 22:259 except in cases where such delay
11 would cause irreparable harm or substantial monetary loss in the opinion of the
12 commissioner. In lieu of suspension or revocation of a license duly issued, the
13 commissioner may levy a fine not to exceed one thousand dollars for each violation
14 and up to one hundred thousand one million dollars aggregate for all violations in a
15 calendar year. The commissioner of insurance is authorized to suspend the
16 imposition of the fines authorized under pursuant to this Section.
17 * * *
18 §1019.3. Enforcement provisions; penalties; regulations
19 * * *
20 D.
21 * * *
22 (2) The commissioner may refuse to renew, suspend, or revoke the certificate
23 of authority of any health insurance issuer violating any of the provisions of this
24 Subpart, or in lieu of suspension or revocation of a license duly issued, the
25 commissioner may levy a fine not to exceed one thousand dollars for each violation
26 per health insurance issuer, up to one hundred thousand million dollars aggregate for
27 all violations in a calendar year per health insurance issuer, when if such violations,
28 in his opinion, after a proper hearing, warrant the refusal, suspension, or revocation
29 of such certificate, or the imposition of a fine. The commissioner of insurance is
30 authorized to may withhold fines imposed under pursuant to this Subpart. Such
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HB NO. 903 ENROLLED
1 hearing shall be held in the manner provided in Chapter 12 of this Title, R.S. 22:2191
2 et seq. Additionally, the commissioner may take any other administrative action,
3 including imposing those fines and penalties enumerated in R.S. 22:18.
4 * * *
5 §1529. Penalties
6 * * *
7 B. A monetary penalty not to exceed five hundred dollars may be imposed
8 for each violation. No fine or fines shall be imposed against a lessor, pursuant to this
9 Section, which aggregates in excess of ten one hundred thousand dollars in any
10 calendar year.
11 * * *
12 §1554. License denial, nonrenewal, or revocation
13 A. The commissioner may place on probation, suspend, revoke, or refuse to
14 issue, renew, or reinstate an insurance producer license, or may levy a fine not to
15 exceed five hundred dollars for each violation occurring, up to ten one hundred
16 thousand dollars aggregate for all violations in a calendar year per applicant or
17 licensee, or any combination of actions, for any one or more of the following causes:
18 * * *
19 §1672. License denial, nonrenewal, or revocation
20 A. The commissioner of insurance may place on probation, suspend, revoke,
21 or refuse to issue, renew, or reinstate a claims adjuster's license or may levy a fine
22 not to exceed five hundred dollars for each violation up to ten one hundred thousand
23 dollars aggregate for all violations in a calendar year, unless a fine is established by
24 separate statute in this Title authorizing a greater penalty, or any combination of
25 actions, for any one or more of the following causes:
26 * * *
27 §1770. Penalties for violations
28 In the event that any provision of this Part or other applicable provision of
29 this Title is violated by a limited licensee, the commissioner may revoke, suspend,
30 refuse to renew, or levy a fine not to exceed one thousand dollars for each violation,
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HB NO. 903 ENROLLED
1 up to one hundred thousand million dollars in the aggregate for all violations in a
2 calendar year per limited licensee, or impose such other penalty as the commissioner
3 may deem necessary or convenient to carry out the purposes of this Part.
4 * * *
5 §1808.8. License denial, suspension, nonrenewal, or revocation
6 A. The commissioner of insurance may place on probation, suspend, revoke,
7 or refuse to issue, renew, or reinstate an insurance consultant license, or may levy a
8 fine not to exceed five hundred dollars for each violation occurring, up to ten one
9 hundred thousand dollars aggregate for all violations in a calendar year per applicant
10 or licensee, or any combination of these actions, for any one or more of the following
11 causes:
12 * * *
13 Section 2. This Act shall become effective upon signature by the governor or, if not
14 signed by the governor, upon expiration of the time for bills to become law without signature
15 by the governor, as provided by Article III, Section 18 of the Constitution of Louisiana. If
16 vetoed by the governor and subsequently approved by the legislature, this Act shall become
17 effective on the day following such approval.
SPEAKER OF THE HOUSE OF REPRESENTATIVES
PRESIDENT OF THE SENATE
GOVERNOR OF THE STATE OF LOUISIANA
APPROVED:
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