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Insurance: State Regulators Gain Authority, Federal Oversight Limited.

This new law limits the federal Consumer Financial Protection Bureau's (CFPB) authority over insurance companies. This means that state insurance regulators will primarily oversee and enforce rules related to insurance, potentially affecting how consumer complaints are handled and how insurance products are regulated.
Key points
The Consumer Financial Protection Bureau (CFPB) will have limited enforcement power over entities regulated by state insurance regulators.
State insurance regulators will have primary authority in overseeing the business of insurance.
Consumer protection laws concerning insurance will be broadly interpreted in favor of state regulatory authority.
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Status:
Introduced
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Additional Information
Business of Insurance Regulatory Reform Act of 2025
Print number: HR 4735
Sponsor: Rep. Steil, Bryan [R-WI-1]
Process start date: 2025-07-23
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Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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Summary & Status

Key Questions about Insurance: State Regulators Gain Authority, Federal Oversight Limited.

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 4735.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-07-23.

What are the main provisions?

Key points include:

  • The Consumer Financial Protection Bureau (CFPB) will have limited enforcement power over entities regulated by state insurance regulators.
  • State insurance regulators will have primary authority in overseeing the business of insurance.
  • Consumer protection laws concerning insurance will be broadly interpreted in favor of state regulatory authority.

What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Steil, Bryan [R-WI-1].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

Analysis and Potential Impact of HR 4735

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

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