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HB 3314MISSOURISession 2026State Billin committee

State Law Allows Insurance Regulators to Share Confidential Insolvency Data and Modifies Board Sizes

Original title: INSURANCE REGULATION

Last action · April 23, 2026: Reported Do Pass (H)Sponsor: Dave Hinman

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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What This Bill Would Do

Official description

Allows DCI to share confidential information with guaranty associations on insolvency matters, amends composition of board members, and suspends plan of operation for association if medical malpractice insurance is available in voluntary market

Why it matters

Insurance companies, health care providers, and policyholders face modified regulatory oversight, changing corporate governance standards, and new information-sharing protocols during financial distress.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Insurance Companies

Insurance corporations are subject to updated corporate board size limits, revised examination procedures, and potential sharing of their confidential regulatory data with guaranty associations.

Directly affected

Guaranty Associations

Property, casualty, life, and health guaranty associations gain statutory authority to receive confidential regulatory information and prepare early for potential member insolvencies.

Directly affected

Health Care Providers

Medical providers are affected by provisions governing the availability and potential suspension of joint underwriting associations for medical malpractice insurance.

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

What information can the Department of Commerce and Insurance share with guaranty associations?
The director may share confidential and privileged documents, materials, examination results, and enterprise risk-filings regarding member insurers that may be subject to future s.
When can a medical malpractice joint underwriting association suspend its operations?
The board may suspend operations if medical malpractice insurance is reasonably available in the voluntary market and there are two or fewer individual physicians insured annually by the association for at least two consecutive years.

What else do you want to know?

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Where This Stands

Currently in committee. The next step in the legislative lifecycle is Floor Vote.

Procedural history

13 actions
  1. Apr 23, 2026HouseCommittee
    Reported Do Pass (H)
  2. Apr 20, 2026HouseCommittee
    Voted Do Pass (H)
  3. Apr 20, 2026House
    Executive Session Completed (H)
  4. Apr 14, 2026HouseCommittee
    Referred: Rules - Legislative(H)
  5. Apr 2, 2026HouseCommittee
    HCS Reported Do Pass (H)
  6. Mar 31, 2026HouseCommittee
    HCS Voted Do Pass (H)
Show 7 earlier actions
  1. Mar 31, 2026House
    Executive Session Completed (H)
  2. Mar 24, 2026House
    Action Postponed (H)
  3. Mar 24, 2026House
    Executive Session Continued
  4. Mar 9, 2026House
    Public Hearing Completed (H)
  5. Feb 27, 2026HouseCommittee
    Referred: Insurance(H)
  6. Feb 17, 2026HouseFloor
    Read Second Time (H)
  7. Feb 16, 2026HouseIntroduced
    Introduced and Read First Time (H)

Version history & redline

2 versions on file
Comparing Introduced → House Committee Substitute
removed addedOfficial text
SECOND REGULAR SESSION HOUSE removed: BILL NO. 3314 103RD GENERAL ASSEMBLY INTRODUCED BY REPRESENTATIVE HINMAN. 7088H.01I JOSEPH ENGLER, Chief Clerk AN ACT To repeal sections 374.205, 375.772, 375.773, 375.775, 375.777, and 382.230, RSMo, and to enact in lieu thereof six new sections relating to guaranty associations. Be it enacted by the General Assembly of the state of Missouri, as follows: Section A. Sections 374.205, 375.772, 375.773, 375.775, 375.777, and 382.230, 2 RSMo, are repealed and six new sections enacted in lieu thereof, to be known as sections 3 374.205, 375.772, 375.773, 375.775, 375.777, and 382.230, to read as follows: 374.205. 1. (1) The director or any of the director's examiners may conduct an 2 examination pursuant to sections 374.202 to 374.207 of any company as often as the director 3 in his or her sole discretion deems appropriate, but shall, at a minimum, conduct a financial 4 examination of every insurer licensed in this state at least once every five years. In 5 scheduling and determining the nature, scope and frequency of examinations, the director 6 may consider such matters as the results of financial statement analyses and ratios, changes in 7 management or ownership, actuarial opinions, reports of independent certified public 8 accountants, consumer complaints, and other criteria as set forth in the Examiners' Handbook 9 adopted by the National Association of Insurance Commissioners and in effect when the 10 director exercises discretion pursuant to this section. 11 (2) For purposes of completing an examination of any company pursuant to sections 12 374.202 to 374.207, the director may examine or investigate any person, or the business of 13 any person, insofar as such examination or investigation is, in the sole discretion of the 14 director, necessary or material to the examination of the company. 15 (3) In lieu of a financial examination pursuant to section 374.207 of any foreign or 16 alien insurer licensed in this state, the director may accept a financial 65,096 more removed characters - read the previous versionadded: COMMITTEE SUBSTITUTE FOR HOUSE BILL NO. 3314 103RD GENERAL ASSEMBLY 7088H.02C JOSEPH ENGLER, Chief Clerk AN ACT To repeal sections 374.205, 375.772, 375.773, 375.775, 375.777, 376.060, 376.100, 379.035, 379.060, 379.520, 379.590, 382.230, and 383.155, RSMo, and to enact in lieu thereof thirteen new sections relating to insurance regulation. Be it enacted by the General Assembly of the state of Missouri, as follows: Section A. Sections 374.205, 375.772, 375.773, 375.775, 375.777, 376.060, 376.100, 2 379.035, 379.060, 379.520, 379.590, 382.230, and 383.155, RSMo, are repealed and thirteen 3 new sections enacted in lieu thereof, to be known as sections 374.205, 375.772, 375.773, 4 375.775, 375.777, 376.060, 376.100, 379.035, 379.060, 379.520, 379.590, 382.230, and 5 383.155, to read as follows: 374.205. 1. (1) The director or any of the director's examiners may conduct an 2 examination pursuant to sections 374.202 to 374.207 of any company as often as the director 3 in his or her sole discretion deems appropriate, but shall, at a minimum, conduct a financial 4 examination of every insurer licensed in this state at least once every five years. In 5 scheduling and determining the nature, scope and frequency of examinations, the director 6 may consider such matters as the results of financial statement analyses and ratios, changes in 7 management or ownership, actuarial opinions, reports of independent certified public 8 accountants, consumer complaints, and other criteria as set forth in the Examiners' Handbook 9 adopted by the National Association of Insurance Commissioners and in effect when the 10 director exercises discretion pursuant to this section. 11 (2) For purposes of completing an examination of any company pursuant to sections 12 374.202 to 374.207, the director may examine or investigate any person, or the business of 13 any person, insofar as such examination or investigation is, in the sole discretion of the 14 director, necessary or material to the 77,621 more added characters - read this version
Redline computed from the official version text (record lane).View this version →

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

Dave HinmanHouse · District 103RepublicanSponsor

Connected Entities

General Assembly, Missouri Property and Casualty Insurance Guaranty Association, National Association of Insurance Commissioners and 2 more
OrganizationGeneral Assembly“103rd General Assembly of Missouri”Map →
OrganizationMissouri Property and Casualty Insurance Guaranty Association“Entity receiving shared confidential information on member insurers”Map →
OrganizationNational Association of Insurance Commissioners“Sets financial regulation standards and examiners' handbooks”Map →
OrganizationMissouri Life and Health Insurance Guaranty Association“Entity receiving shared confidential information on member insurers”Map →
PersonDave Hinman“Republican representative for District 103 sponsoring HB 3314”Map →

Sources

Open source document

house.mo.gov

Analysis Score

0–100
  • Significance65
    How much this matters to a regular citizen
  • Controversy15
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz20
    Current news / social attention level

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