Consumer Appeal Rights Enforcement Act

The Consumer Appeal Rights Enforcement Act strengthens rules for employee benefit plans by allowing the Department of Labor to impose fines on entities that fail to follow claims procedures or external review requirements. It defines violations as either global failures to have compliant processes or individual instances where plans do not provide proper notices, timely decisions, or requested information to participants. Penalties range from $1,000 per participant for global violations to $1,000 per day for individual violations, with options to triple these amounts if issues are not corrected within specific timeframes. The bill also repeals a previous provision that allowed private lawsuits for certain procedural violations, shifting enforcement authority to the Secretary of Labor.