SB 13 North Carolina Senate · 2025-2026 Session

Political Terrorism Prevention Act.

This bill sets a $50 cap on referral fees paid to nonlicensed individuals for directing insurance business to licensed agents or brokers. It applies to most insurance referrals but excludes title insurance, with violations punishable by fines up to $2,000 per incident. The law takes effect October 1, 2025, impacting insurance agents, brokers, and nonlicensed referrers who handle client introductions. It clarifies existing insurance referral fee rules without altering broader insurance regulations.
Bill status passed both 4 of 5 stages cleared
Introduction
Jan 2025
Committee Review
Sep 2025
Senate Passage
Feb 2025
House Passage
Sep 2025
Governor
Introduced Jan 29, 2025 Last action Sep 25, 2025
Maddy AI version diff · 3 comparisons

What changed between versions

Edition 2 Edition 3 · 8 edits
MODERATE
The bill was completely rewritten from a minor insurance fee clarification to a major criminal justice reform. The original version clarified a $50 cap on referral fees paid to unlicensed insurance individuals, while the new version establishes enhanced penalties for politically motivated acts of violence, including mandatory sentence enhancements and parole ineligibility.
Scope change
The bill's scope changed from a narrow insurance industry regulation to a broad criminal justice reform affecting sentencing guidelines, parole eligibility, and capital punishment procedures across multiple chapters of the General Statutes.
SCOPE

Removed the original short title 'Clarify Insurance Fee Referral Cap' and replaced it with 'Political Terrorism Prevention Act'.

DEFINITION

Removed the original Section 1 that clarified G.S. 58-33-82(f) regarding the $50 cap on referral fees to unlicensed insurance individuals.

Added a new definition in G.S. 15A-101 for 'Politically Motivated Act of Violence' covering acts targeting individuals based on political beliefs, viewpoints, affiliations, or participation in lawful political demonstrations.

ENFORCEMENT

Added new Section 1 in G.S. 15A-1340.16(d) establishing 'Politically Motivated Act of Violence' as an aggravating factor that does not limit other aggravating factors from being alleged.

REQUIREMENT

Added new Section 3 creating G.S. 15A-1340.16H which mandates felony sentences be increased by one class and makes offenders ineligible for parole, early release, or sentencing reductions if the offense was politically motivated.

Added new Section 4 modifying G.S. 15A-2000(e)(13) to include political motivation as an aggravating circumstance for capital felonies when committed to silence, intimidate, or retaliate against political expression.

Added new Section 5 modifying G.S. 15A-2004(b) to require death penalty notice to include allegations of political motivation when applicable.

TIMELINE

Changed the bill version number from Edition 2 to Edition 3 and added a House Committee Substitute favorable date of 9/23/25.

Floor votes · Senate Feb 12, 2025 · House Sep 23, 2025

How they voted

460
Passed · 5 other
Total votes 51
Feb 12, 2025
D Democratic20
18 Yea 2
90% Yea
R Republican31
28 Yea 3
90% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
29
Key actions
6
Committee
11
Sep 25, 2025
Committee
Ref To Com On Rules and Operations of the Senate
upper
Sep 23, 2025
Lower · Passed
Passed 3rd Reading
lower
Sep 23, 2025
Lower · Passed
Reptd Fav Com Substitute
lower
Sep 22, 2025
Committee
Re-ref Com On Rules, Calendar, and Operations of the House
lower
Jun 19, 2025
Committee
Re-ref to the Com on Alcoholic Beverage Control, if favorable, Rules, Calendar, and Operations of the House
lower
May 29, 2025
Committee
Re-ref to the Com on Insurance, if favorable, Rules, Calendar, and Operations of the House
lower
Feb 17, 2025
Committee
Ref To Com On Rules, Calendar, and Operations of the House
lower
Feb 12, 2025
Upper · Passed
Passed 3rd Reading
upper
Feb 11, 2025
Upper · Passed
Reptd Fav
upper
Feb 4, 2025
Committee
Re-ref Com On Rules and Operations of the Senate
upper
Feb 4, 2025
Upper · Passed
Com Substitute Adopted
upper
Feb 4, 2025
Upper · Passed
Reptd Fav Com Substitute
upper
Feb 3, 2025
Committee
Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate
upper
Jan 30, 2025
Committee
Ref To Com On Rules and Operations of the Senate
upper
Jan 29, 2025
Introduced
Filed
upper
0 primary · 1 co-sponsor

Sponsors

No sponsor information available.