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Read. Follow. Verify.Connecticut requires financial data security reporting, studies payroll clearing and consumer fraud, and mandates mortgage flood-risk notices
Last action · May 27, 2026: Signed by the GovernorSponsors: Fred Gee and 5 others
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What This Bill Does
Financial institutions and banking licensees must adopt written data security safeguards and report data breaches to the Department of Banking within three business days. Creditors must provide written flood insurance notices to mortgage applicants before closing, and two state studies are established on payroll processing and consumer fraud protections.
Lenders and financial institutions face new breach-reporting timelines and documentation requirements, while mortgage applicants must receive formal written warnings regarding flood insurance coverage prior to loan closing.
- House Bill 5208 was introduced during the 2026 legislative session and signed into law by the Governor on May 27, 2026. context
Who It Affects
Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.
Financial institutions and banks
Must adopt written data security safeguard programs and submit initial breach notifications to the Department of Banking within three business days.
Mortgage loan applicants
Receive mandatory written disclosures regarding flood insurance coverage limitations and signing requirements prior to loan closing.
Department of Banking
Receives data security incident notifications, oversees payroll processing studies, and manages regulatory compliance filings.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
When must a financial institution report a data security breach?
What information must creditors provide to mortgage applicants regarding flood insurance?
When do the mortgage flood insurance disclosure rules take effect?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Current status: Signed into law.
Procedural history
22 actions- May 27, 2026Governor of ConnecticutEnrolledSigned by the Governor
- May 15, 2026Governor of ConnecticutTransmitted by Secretary of the State to Governor
- May 15, 2026Connecticut General AssemblyTransmitted to the Secretary of State
- May 14, 2026Connecticut General AssemblyEnrolledPublic Act 26-51
- May 5, 2026Connecticut General AssemblyOn Consent Calendar / In Concurrence
- May 5, 2026HouseFloorSenate Passed as Amended by House Amendment Schedule A
Show 16 earlier actions
- May 5, 2026HouseFloorSenate Adopted House Amendment Schedule A
- Apr 28, 2026Connecticut General AssemblyFile Number 728
- Apr 28, 2026SenateSenate Calendar Number 479
- Apr 28, 2026SenateFavorable Report, Tabled for the Calendar, Senate
- Apr 27, 2026SenateImmediate Transmittal to the Senate
- Apr 27, 2026HouseFloorHouse Passed as Amended by House Amendment Schedule A
- Apr 27, 2026HouseFloorHouse Adopted House Amendment Schedule A 4520
- Mar 19, 2026Connecticut General AssemblyFile Number 90
- Mar 19, 2026HouseHouse Calendar Number 82
- Mar 19, 2026HouseFavorable Report, Tabled for the Calendar, House
- Mar 19, 2026Connecticut General AssemblyReported Out of Legislative Commissioners' Office
- Mar 13, 2026Connecticut General AssemblyReferred to Office of Legislative Research and Office of Fiscal Analysis 03/18/26 5:00 PM
- Mar 10, 2026Connecticut General AssemblyFiled with Legislative Commissioners' Office
- Mar 10, 2026Connecticut General AssemblyJoint Favorable
- Feb 19, 2026Connecticut General AssemblyPublic Hearing 02/24
- Feb 18, 2026Connecticut General AssemblyCommitteeReferred to Joint Committee on Banking
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Mandatory Three-Day Breach Reporting
The act establishes a strict three-day notification window for financial institutions experiencing cyber or data security incidents impacting customer information.
Connected Entities
Sources
cga.ct.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz35Current news / social attention level
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