HB 643 Florida House · 2025 Regular Session

Insurance

Summary
Insurance; Requires FDLE to accept & process certain fingerprints; authorizes FDLE to exchange certain records with OIR; specifies that fingerprints must be submitted in accordance with certain rules; requires FDLE to conduct certain background checks; requires certain background checks to be conducted through FBI; requires that fingerprints be submitted & entered into specified system; requires that certain criminal history records be used by OIR for certain purposes; establishes standards for compensation arrangements & oversight of affiliate transactions involving insurers, reciprocal insurers, managing general agents, & attorneys in fact; specifies requirements for affiliate compensation arrangements; removes definition of “diligent effort”; revises conditions under which insurance coverage is eligible for export; requires notification of arbitration before Division of Administrative Hearings as option for dispute resolution procedures under Citizens Property Insurance Corporation.
Bill status died 3 of 5 stages cleared
Introduction
Feb 2025
Committee Review
Apr 2025
House Passage
Apr 2025
Senate Passage
Governor
Introduced Feb 14, 2025 Last action Jun 16, 2025
Maddy AI version diff · 2 comparisons

What changed between versions

H 643 c1 H 643 c2 · 6 edits
MODERATE
HB 643 was substantially rewritten and expanded from a 6-page bill focused on residual market insurance to a 16-page bill that now primarily addresses background checks and fingerprinting requirements for insurance industry personnel, while also revising surplus lines and affiliate compensation provisions. The bill's scope shifted from mainly insurance coverage eligibility to include broader regulatory oversight of insurance company personnel and financial arrangements.
Scope change
The bill expanded from focusing on residual market insurance and surplus lines to include comprehensive background check requirements for insurance industry personnel and new provisions regarding affiliate compensation arrangements.
REQUIREMENT

New section requiring Department of Law Enforcement to accept fingerprints from insurance industry personnel including officers, directors, and employees of insurers

New section establishing standards for compensation arrangements and oversight of affiliate relationships between insurers and other entities

ELIGIBILITY

Revised the definition of 'diligent effort' for surplus lines coverage, changing requirements for when coverage can be exported to the surplus lines market

Revised conditions under which insurance coverage is eligible for export to surplus lines market, including changes to acknowledgment requirements

DEFINITION

Removed the definition of 'diligent effort' from the Surplus Lines Law and replaced it with broader insurance-related provisions

ENFORCEMENT

New provisions authorizing the Office of Insurance Regulation to issue orders restricting fund transfers under specified circumstances

Floor votes · House Apr 25, 2025

How they voted

993
Passed · 16 other
Total votes 118
Apr 25, 2025
D Democratic34
26 Yea 8
76% Yea
R Republican84
73 Yea 3 Nay 8
86% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
37
Key actions
13
Committee
19
Apr 25, 2025
Committee
Referred to Rules
upper
Apr 25, 2025
Lower · Passed
CS passed; YEAS 100, NAYS 3
lower
Apr 22, 2025
Committee
Bill referred to House Calendar
lower
Apr 22, 2025
Lower · Passed
Reported out of Commerce Committee
lower
Apr 22, 2025
Lower · Passed
Favorable with CS by Commerce Committee
lower
Apr 21, 2025
Lower · Passed
PCS added to Commerce Committee agenda
lower
Apr 3, 2025
Lower · Passed
Now in Commerce Committee
lower
Apr 3, 2025
Lower · Passed
Reported out of Civil Justice & Claims Subcommittee
lower
Apr 3, 2025
Lower · Passed
Favorable by Civil Justice & Claims Subcommittee
lower
Apr 1, 2025
Lower · Passed
Added to Civil Justice & Claims Subcommittee agenda
lower
Mar 31, 2025
Lower · Passed
Now in Civil Justice & Claims Subcommittee
lower
Mar 31, 2025
Committee
Referred to Commerce Committee
lower
Mar 31, 2025
Committee
Referred to Civil Justice & Claims Subcommittee
lower
Mar 31, 2025
Lower · Passed
Reported out of Insurance & Banking Subcommittee
lower
Mar 27, 2025
Lower · Passed
Favorable with CS by Insurance & Banking Subcommittee
lower
Mar 25, 2025
Lower · Passed
PCS added to Insurance & Banking Subcommittee agenda
lower
Feb 26, 2025
Lower · Passed
Now in Insurance & Banking Subcommittee
lower
Feb 26, 2025
Committee
Referred to Commerce Committee
lower
Feb 26, 2025
Committee
Referred to Civil Justice & Claims Subcommittee
lower
Feb 26, 2025
Committee
Referred to Insurance & Banking Subcommittee
lower
1 primary · 0 co-sponsors

Sponsors

Role
Legislator
Party
State
District
P
Photo of John Snyder
John Snyder
RRepublican
FL
86