Insurance; enforcement and power of the Insurance Commissioner; bulletins; Strengthen Oklahoma Homes Program; expanding length of program; acquisitions; Long-Term Care Insurance Act; prohibiting persons from selling without proper license; effective date.

The document header was updated to identify this as the 'House of Representatives - Floor Version' instead of the 'Committee Substitute'.

A footer note was added stating that 'BOLD FACE denotes Committee Amendments' to help readers distinguish between original text and committee changes.

Page footers were updated to reflect the new 'HB3796 HFLR' designation instead of the previous 'Req. No.' identifier.

Removed the header indicating this was a 'Proposed Policy Committee Substitute' version.

Updated the page reference number from 15957 to 16783.

Adjusted line breaks and spacing in the text to conform to the House Committee Substitute format.

The document header was updated to change the status from 'Enrolled House Bill' to 'Proposed Policy Committee Substitute' and included the name of the sponsoring committee member, Chris Sneed.

The bill title was updated to explicitly state that it is a 'Proposed Policy Committee Substitute' for House Bill No. 3796.

Page numbering and formatting markers were adjusted to align with the new committee substitute format.

The Strengthen Oklahoma Homes Program was extended from a fixed end date of November 1, 2027, to continue indefinitely.

A new requirement mandates that individuals filing statements regarding the acquisition or merger of domestic insurers must include personal financial statements reviewed by an independent public accountant.

Clarified that bulletins published by previous Insurance Commissioners expire 90 days after the inauguration of the next commissioner unless the new commissioner issues an order to continue them.

Added a new co-sponsor (Murdock of the Senate) and removed temporary 'Engrossed' page headers and formatting artifacts.

The Insurance Commissioner's authority to enforce laws via regulations and bulletins was clarified and expanded, including the power to examine records and require sworn information.

A new rule was added stating that bulletins issued by previous Insurance Commissioners automatically expire 90 days after the next commissioner is inaugurated unless the new commissioner continues them.

The Strengthen Oklahoma Homes Program was extended indefinitely (previously set to end in 2027) and clarified that it relies on federal or other grants rather than state funds.

Individuals filing statements with the Commissioner regarding the acquisition of control over domestic insurers must now include personal financial statements reviewed by an independent public accountant.

A new prohibition was added preventing any person from selling, soliciting, or negotiating long-term care insurance without a proper license.

The original 'Insurance Act of 2026' title and noncodification provisions were removed and replaced with specific statutory amendments.