HB 3646 Oklahoma House · 2026 Regular Session

Insurance; property and casualty; rates; filing; Insurance Commissioner; repealer; effective date.

HB 3646 amends Oklahoma's property and casualty insurance rate filing rules, directly affecting insurers operating in the state. It requires insurers to submit rates and supporting documentation to the Insurance Commissioner, who must review filings within 30 days and may disapprove rates that don't meet standards. The bill establishes a process for insurers to request hearings if rates are disapproved and clarifies that insurers cannot use unfiled rates. It repeals outdated provisions and defines key terms like "competitive market" and "prospective loss costs" to standardize the filing process. The changes streamline rate oversight while ensuring transparency in how insurance premiums are set.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 2, 2026 Last action Feb 3, 2026

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What changed between versions

Introduced → Proposed Policy Committee Substitute 1 · 6 edits

MODERATE

The bill was completely rewritten from scratch by a policy committee. The original version focused on insurance rate filing procedures and definitions, while the new version creates a new 'Protection for Oklahoma Insurance Policyholders Act of 2026' that adds significant consumer protections, including a ban on using AI to deny claims, fiduciary duty requirements for insurance producers, and expanded liability for insurers violating claims settlement practices.

Scope change

The bill's scope expanded significantly from primarily regulating insurance rate filings to establishing comprehensive consumer protections across multiple areas including claims handling, producer conduct, and policyholder rights.

REQUIREMENT

Prohibits insurers from using Artificial Intelligence (AI) to deny claims covered by the Unfair Claims Settlement Practices Act.

Requires insurance producers to exercise care owed as a fiduciary, establishing that civil liability only applies if a fiduciary relationship violation is proven by preponderance of evidence.

Amends existing statute to require insurance producers to exercise care owed as a fiduciary and clarifies liability standards.

Requires insurers to specify loss expenses incurred in Oklahoma when filing rate changes.

ENFORCEMENT

Allows insurers to be held liable to first-party insureds in addition to civil penalties enforceable by the Insurance Commissioner for violations of the Unfair Claims Settlement Practices Act.

DEFINITION

Replaced the original definitions section with new statutory language establishing the Protection for Oklahoma Insurance Policyholders Act of 2026.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 3, 2026

Committee

Referred to Insurance

lower

Feb 2, 2026

Introduced

First Reading

lower

1 primary · 0 co-sponsors