CA AB 487
enactedInsurance.
California · 2025-2026 Regular Session · lower
Quick answers
Did CA AB 487 pass?
Yes. CA AB 487 has been enacted into law as of 2025-10-10. Latest recorded action (2025-10-10): Chaptered by Secretary of State - Chapter 558, Statutes of 2025.
What is CA AB 487 about?
(1) Existing law generally regulates the business of insurance in the state, including the issuance of securities. Existing law defines an agent to mean every person employed or appointed by an insurer or broker who sells a security in this state for compensation. This bill would update the term "agent" to "stock agent" and would make conforming changes. (2) Existing law requires the Insurance Commissioner to submit to the Department of Justice fingerprint images and related information, as specified by statute, for specified applicants applying for a license, including a surplus line broker, a life and disability analyst, and a variable life and variable annuity agent. This bill would delete the provisions requiring the commissioner to submit fingerprint images and related information for the above-listed individuals. (3) Existing law establishes the powers and duties of the Department of Insurance and the Insurance Commissioner. Existing law requires an application for specified licenses, including a production agency license, to be automatically denied without prejudice to the filing of a new application for the license, except in specified circumstances, if the applicant does not fully qualify for and receives the license on a permanent basis or is denied the issuance of the license, as specified. This bill would additionally include applications for bail, insurance adjuster, or public insurance adjuster licenses. (4) Existing law requires an insurance licensee or applicant for a license to notify the commissioner when any of their background information changes after the application has been submitted or the license has been issued. For this purpose, existing law defines "background information" to include an administrative action regarding a professional or occupational license, among other things. This bill would expand the definition for "background information" to also include an administrative action regarding conduct or activity for which a professional or occupational license was required, but not possessed, and an administrative or civil action filed by, or on behalf of, a government or regulatory agency alleging any unlawful conduct, activity, or omission. (5) Existing law authorizes a limited license to be issued to a natural person or to an organization that acts as an agent on behalf of cargo owners or shippers, or both. This bill would update these provisions to clarify a limited license may be issued to an agent acting on behalf of the cargo owner, cargo shipper, or both. The bill would make conforming changes. (6) Existing law permits blanket insurance to be issued to a college, school, or other institution of learning, or a sports team, camp, sponsor, or proprietor of a sports team, providing benefits to students, teachers, or employees, or sports team participants, campers, employees, officials, supervisors, or persons responsible for their support, for death or dismemberment resulting from accident, or for hospital, medical, surgical, or nursing expenses resulting from accident or sickness, as specified. Existing law defines "blanket insurance" for purposes of these provisions. This bill would expand the groups for which blanket insurance may be issued to include coverage of volunteers for the entities described above. (7) Existing law prohibits knowingly employing runners, cappers, steerers, or other persons to procure clients or patients to perform or obtain services or benefits under workers' compensation coverage or a contract of insurance or that will be the basis for a claim against an insured individual or their insurer. Existing law authorizes a district attorney, the Insurance Commissioner, or an interested person to bring a civil action for a violation of that provision. Existing law requires the district attorney or commissioner, for actions brought by an interested person, to either proceed with the action, in which case the action would be conducted by the district attorney or commissioner, or to notify the court that it declines to take over the action, in which case the person bringing the action has the right to conduct the action. Existing law prohibits a court from having jurisdiction over an action under these provisions based upon the public disclosure of allegations or transactions in a criminal, civil, or administrative hearing in a legislative or administrative report, hearing, audit, or investigation, or from the news media, unless the action is brought by the Attorney General or the person bringing the action is an original source of the information. This bill would instead prohibit a court from having jurisdiction, unless the action is brought by the district attorney or commissioner, the district attorney or commissioner proceeds with an action brought by an interested person, or the person bringing the action is an original source of the information. (8) Existing law exempts agents of a fraternal benefit society from specified examination requirements if they meet specified conditions, including that the agent was in the service of the society on March 1, 1945, and was licensed to represent the society on January 1, 1952, and continuously thereafter, or the agent does not devote substantially full time to the sale of life or disability insurance. Existing law requires the society to notify the commissioner if a licensed part-time agent later devotes substantially full time to the sale of that insurance. Existing law establishes examination and fee parameters and requires that licensees pass the examination before a specified deadline. If the person fails to pass the exam within the specified timeline, existing law authorizes the person to be licensed as a fraternal benefit agent only if they file a new application and meet specified conditions, including that they take and pass the qualifying exam. This bill would replace the term "agent" with the term "individual insurance licensee" and clarify that this section applies to individual part-time fraternal insurance licensees. The bill would additionally allow the part-time fraternal insurance licensee to remain part time until they file for a new application and either take and pass the examination, or demonstrate to the commissioner that they will only remain part time. (9) Existing law establishes the State Compensation Insurance Fund to be administered by a board of directors for the purpose of transacting workers' compensation insurance and other public employment-related insurances. Existing law requires the board to invest and reinvest all moneys in the State Compensation Insurance Fund in excess of current requirements in the same manner as is authorized in certain provisions applicable to private insurance carriers. Existing law, until January 1, 2027, authorizes the board to make discretionary investments in properties and securities, to invest in money market mutual funds, and to invest or reinvest an aggregated maximum of 20% of the moneys that are in excess of the admitted assets over the liabilities and required reserves in specified investments. This bill would extend those investment authorizations indefinitely. (10) This bill would make additional technical changes to eliminate outdated references and correct other errors.
Who sponsors CA AB 487?
Committee on Insurance is the primary sponsor of CA AB 487.
Description
(1) Existing law generally regulates the business of insurance in the state, including the issuance of securities. Existing law defines an agent to mean every person employed or appointed by an insurer or broker who sells a security in this state for compensation. This bill would update the term "agent" to "stock agent" and would make conforming changes. (2) Existing law requires the Insurance Commissioner to submit to the Department of Justice fingerprint images and related information, as specified by statute, for specified applicants applying for a license, including a surplus line broker, a life and disability analyst, and a variable life and variable annuity agent. This bill would delete the provisions requiring the commissioner to submit fingerprint images and related information for the above-listed individuals. (3) Existing law establishes the powers and duties of the Department of Insurance and the Insurance Commissioner. Existing law requires an application for specified licenses, including a production agency license, to be automatically denied without prejudice to the filing of a new application for the license, except in specified circumstances, if the applicant does not fully qualify for and receives the license on a permanent basis or is denied the issuance of the license, as specified. This bill would additionally include applications for bail, insurance adjuster, or public insurance adjuster licenses. (4) Existing law requires an insurance licensee or applicant for a license to notify the commissioner when any of their background information changes after the application has been submitted or the license has been issued. For this purpose, existing law defines "background information" to include an administrative action regarding a professional or occupational license, among other things. This bill would expand the definition for "background information" to also include an administrative action regarding conduct or activity for which a professional or occupational license was required, but not possessed, and an administrative or civil action filed by, or on behalf of, a government or regulatory agency alleging any unlawful conduct, activity, or omission. (5) Existing law authorizes a limited license to be issued to a natural person or to an organization that acts as an agent on behalf of cargo owners or shippers, or both. This bill would update these provisions to clarify a limited license may be issued to an agent acting on behalf of the cargo owner, cargo shipper, or both. The bill would make conforming changes. (6) Existing law permits blanket insurance to be issued to a college, school, or other institution of learning, or a sports team, camp, sponsor, or proprietor of a sports team, providing benefits to students, teachers, or employees, or sports team participants, campers, employees, officials, supervisors, or persons responsible for their support, for death or dismemberment resulting from accident, or for hospital, medical, surgical, or nursing expenses resulting from accident or sickness, as specified. Existing law defines "blanket insurance" for purposes of these provisions. This bill would expand the groups for which blanket insurance may be issued to include coverage of volunteers for the entities described above. (7) Existing law prohibits knowingly employing runners, cappers, steerers, or other persons to procure clients or patients to perform or obtain services or benefits under workers' compensation coverage or a contract of insurance or that will be the basis for a claim against an insured individual or their insurer. Existing law authorizes a district attorney, the Insurance Commissioner, or an interested person to bring a civil action for a violation of that provision. Existing law requires the district attorney or commissioner, for actions brought by an interested person, to either proceed with the action, in which case the action would be conducted by the district attorney or commissioner, or to notify the court that it declines to take over the action, in which case the person bringing the action has the right to conduct the action. Existing law prohibits a court from having jurisdiction over an action under these provisions based upon the public disclosure of allegations or transactions in a criminal, civil, or administrative hearing in a legislative or administrative report, hearing, audit, or investigation, or from the news media, unless the action is brought by the Attorney General or the person bringing the action is an original source of the information. This bill would instead prohibit a court from having jurisdiction, unless the action is brought by the district attorney or commissioner, the district attorney or commissioner proceeds with an action brought by an interested person, or the person bringing the action is an original source of the information. (8) Existing law exempts agents of a fraternal benefit society from specified examination requirements if they meet specified conditions, including that the agent was in the service of the society on March 1, 1945, and was licensed to represent the society on January 1, 1952, and continuously thereafter, or the agent does not devote substantially full time to the sale of life or disability insurance. Existing law requires the society to notify the commissioner if a licensed part-time agent later devotes substantially full time to the sale of that insurance. Existing law establishes examination and fee parameters and requires that licensees pass the examination before a specified deadline. If the person fails to pass the exam within the specified timeline, existing law authorizes the person to be licensed as a fraternal benefit agent only if they file a new application and meet specified conditions, including that they take and pass the qualifying exam. This bill would replace the term "agent" with the term "individual insurance licensee" and clarify that this section applies to individual part-time fraternal insurance licensees. The bill would additionally allow the part-time fraternal insurance licensee to remain part time until they file for a new application and either take and pass the examination, or demonstrate to the commissioner that they will only remain part time. (9) Existing law establishes the State Compensation Insurance Fund to be administered by a board of directors for the purpose of transacting workers' compensation insurance and other public employment-related insurances. Existing law requires the board to invest and reinvest all moneys in the State Compensation Insurance Fund in excess of current requirements in the same manner as is authorized in certain provisions applicable to private insurance carriers. Existing law, until January 1, 2027, authorizes the board to make discretionary investments in properties and securities, to invest in money market mutual funds, and to invest or reinvest an aggregated maximum of 20% of the moneys that are in excess of the admitted assets over the liabilities and required reserves in specified investments. This bill would extend those investment authorizations indefinitely. (10) This bill would make additional technical changes to eliminate outdated references and correct other errors.
- Introduced
- 2025-02-25
- Latest action
- 2025-10-10 — Chaptered by Secretary of State - Chapter 558, Statutes of 2025.
- Bill type
- bill
- Last updated
- —
Subjects
Sponsors
- Committee on Insuranceauthor
Committees
Not provided by source.
Action timeline
2025-02-10
Read first time. To print.
reading-1
2025-02-11
From printer. May be heard in committee March 13.
2025-02-24
Referred to Com. on INS.
referral-committee
2025-02-25
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
amendment-introduction,amendment-passage,committee-passage,reading-1,reading-2,referral-committee
2025-02-26
Re-referred to Com. on INS.
referral-committee
2025-03-10
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
amendment-introduction,amendment-passage,committee-passage,reading-1,reading-2,referral-committee
2025-03-11
Re-referred to Com. on INS.
referral-committee
2025-04-02
From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 17. Noes 0.) (April 2). Re-referred to Com. on APPR.
committee-passage,committee-passage-favorable,referral-committee
2025-04-23
In committee: Hearing postponed by committee.
2025-04-30
In committee: Set, first hearing. Referred to suspense file.
referral-committee
2025-05-23
From committee: Do pass. (Ayes 14. Noes 0.) (May 23).
committee-passage,committee-passage-favorable
2025-05-27
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2025-05-28
Read third time and amended. Ordered to third reading. (Page 1756.)
amendment-passage,reading-1,reading-3
2025-06-03
Read third time. Passed. Ordered to the Senate. (Ayes 78. Noes 0. Page 1973.)
passage,reading-1,reading-3
2025-06-04
In Senate. Read first time. To Com. on RLS. for assignment.
reading-1,referral-committee
2025-06-18
Referred to Coms. on INS. and JUD.
referral-committee
2025-07-03
From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.
amendment-introduction,amendment-passage,committee-passage,reading-1,reading-2,referral-committee
2025-07-10
From committee: Do pass and re-refer to Com. on JUD. with recommendation: To Consent Calendar. (Ayes 7. Noes 0.) (July 9). Re-referred to Com. on JUD.
committee-passage,committee-passage-favorable,referral-committee
2025-07-16
From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 13. Noes 0.) (July 15). Re-referred to Com. on APPR.
committee-passage,committee-passage-favorable,referral-committee
2025-08-19
From committee: Be ordered to second reading file pursuant to Senate Rule 28.8 and ordered to Consent Calendar.
committee-passage,reading-1,reading-2
2025-08-20
Read second time. Ordered to Consent Calendar.
reading-1,reading-2
2025-08-25
Read third time. Passed. Ordered to the Assembly. (Ayes 37. Noes 0. Page 2250.).
passage,reading-1,reading-3
2025-08-26
In Assembly. Concurrence in Senate amendments pending.
2025-09-04
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 77. Noes 0. Page 2901.).
amendment-passage,committee-passage,committee-passage-favorable
2025-09-11
Enrolled and presented to the Governor at 4 p.m.
executive-receipt
2025-10-10
Approved by the Governor.
executive-signature
2025-10-10
Chaptered by Secretary of State - Chapter 558, Statutes of 2025.
became-law
Versions
- 02/10/25 - Introduced — 2025-02-10Compare
- 02/25/25 - Amended Assembly — 2025-02-25Compare
- 03/10/25 - Amended Assembly — 2025-03-10Compare
- 05/28/25 - Amended Assembly — 2025-05-28Compare
- 07/03/25 - Amended Senate — 2025-07-03Compare
- 09/08/25 - Enrolled — 2025-09-08Compare
- 10/10/25 - Chaptered — 2025-10-10Compare
- AB487Compare
- (document, no version)Compare
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Votes
Do pass and be re-referred to the Committee on [Appropriations] with recommendation: To Consent Calendar
2025-04-02 · pass · 17-0
Member-level votes (17)
- Addis: yes
- Berman: yes
- Krell: yes
- Michelle Rodriguez: yes
- Nguyen: yes
- Petrie-Norris: yes
- Valencia: yes
- Ortega: yes
- Alvarez: yes
- Hadwick: yes
- Harabedian: yes
- Wallis: yes
- Ávila Farías: yes
- Chen: yes
- Calderon: yes
- Gipson: yes
- Ellis: yes
Do pass.
2025-05-23 · pass · 14-0
Member-level votes (15)
- Calderon: yes
- Elhawary: yes
- Dixon: yes
- Hart: yes
- Mark González: yes
- Arambula: yes
- Pacheco: yes
- Solache: yes
- Ta: yes
- Caloza: yes
- Wicks: yes
- Pellerin: yes
- Fong: yes
- Tangipa: yes
- Sanchez: other
AB 487 Insurance Assembly Third Reading By CALDERON
2025-06-03 · pass · 78-0
Member-level votes (79)
- Sanchez: yes
- Tangipa: yes
- Blanca Rubio: yes
- Castillo: yes
- Bauer-Kahan: yes
- Haney: yes
- Bains: yes
- Hoover: yes
- Michelle Rodriguez: yes
- Boerner: yes
- Davies: yes
- Ahrens: yes
- Soria: yes
- Arambula: yes
- DeMaio: yes
- Berman: yes
- Rivas: yes
- Valencia: yes
- Wilson: yes
- Ávila Farías: yes
- Gabriel: yes
- Mark González: yes
- Nguyen: yes
- Papan: yes
- Lowenthal: yes
- Lee: yes
- Patterson: yes
- Calderon: yes
- Ward: yes
- Irwin: yes
- Pellerin: yes
- Sharp-Collins: yes
- Ramos: yes
- Connolly: yes
- Aguiar-Curry: yes
- Hart: yes
- Macedo: yes
- Carrillo: yes
- Zbur: yes
- Celeste Rodriguez: yes
- Fong: yes
- Flora: yes
- Bennett: yes
- Quirk-Silva: yes
- Caloza: yes
- Schiavo: yes
- Chen: yes
- Ransom: yes
- Kalra: yes
- Ta: yes
- Ellis: yes
- Alanis: yes
- Lackey: yes
- Krell: yes
- Dixon: yes
- Bryan: yes
- Gipson: yes
- Stefani: yes
- Jackson: yes
- Rogers: yes
- Solache: yes
- Jeff Gonzalez: yes
- Bonta: yes
- Harabedian: yes
- Elhawary: yes
- Wicks: yes
- Muratsuchi: yes
- Addis: yes
- Ortega: yes
- Patel: yes
- Garcia: yes
- McKinnor: yes
- Alvarez: yes
- Hadwick: yes
- Petrie-Norris: yes
- Wallis: yes
- Schultz: yes
- Pacheco: yes
- Gallagher: other
Do pass, but first be re-referred to the Committee on [Judiciary] with the recommendation: To Consent Calendar
2025-07-09 · pass · 7-0
Member-level votes (7)
- Wahab: yes
- Becker: yes
- Padilla: yes
- Rubio: yes
- Caballero: yes
- Jones: yes
- Niello: yes
Do pass, but first be re-referred to the Committee on [Appropriations] with the recommendation: To Consent Calendar
2025-07-15 · pass · 13-0
Member-level votes (13)
- Caballero: yes
- Niello: yes
- Ashby: yes
- Wahab: yes
- Laird: yes
- Umberg: yes
- Weber Pierson: yes
- Wiener: yes
- Stern: yes
- Valladares: yes
- Allen: yes
- Arreguín: yes
- Durazo: yes
Consent Calendar 2nd AB487 INS.
2025-08-25 · pass · 37-0
Member-level votes (40)
- Reyes: yes
- Allen: yes
- Jones: yes
- Menjivar: yes
- Dahle: yes
- Niello: yes
- Pérez: yes
- Wahab: yes
- Weber Pierson: yes
- Ochoa Bogh: yes
- Grove: yes
- Cabaldon: yes
- Wiener: yes
- Blakespear: yes
- Choi: yes
- Richardson: yes
- Limón: yes
- McNerney: yes
- Becker: yes
- Arreguín: yes
- Archuleta: yes
- Grayson: yes
- Cortese: yes
- Cervantes: yes
- Laird: yes
- Stern: yes
- McGuire: yes
- Seyarto: yes
- Umberg: yes
- Caballero: yes
- Durazo: yes
- Smallwood-Cuevas: yes
- Strickland: yes
- Gonzalez: yes
- Padilla: yes
- Ashby: yes
- Valladares: yes
- Hurtado: other
- Alvarado-Gil: other
- Rubio: other
AB 487 Insurance Concurrence in Senate Amendments By CALDERON
2025-09-04 · pass · 77-0
Member-level votes (79)
- Bains: yes
- Michelle Rodriguez: yes
- Hart: yes
- Caloza: yes
- Aguiar-Curry: yes
- Ta: yes
- Blanca Rubio: yes
- Haney: yes
- Solache: yes
- Chen: yes
- Gallagher: yes
- Tangipa: yes
- Zbur: yes
- Carrillo: yes
- Gipson: yes
- Papan: yes
- Irwin: yes
- Addis: yes
- Bryan: yes
- Celeste Rodriguez: yes
- Schiavo: yes
- Mark González: yes
- Sharp-Collins: yes
- Krell: yes
- Schultz: yes
- Calderon: yes
- Dixon: yes
- Soria: yes
- Castillo: yes
- Ramos: yes
- Sanchez: yes
- Patel: yes
- Fong: yes
- Hoover: yes
- Patterson: yes
- Gabriel: yes
- Harabedian: yes
- Pacheco: yes
- Hadwick: yes
- Ellis: yes
- Lee: yes
- Ávila Farías: yes
- Wallis: yes
- Flora: yes
- Wilson: yes
- Arambula: yes
- Quirk-Silva: yes
- Bauer-Kahan: yes
- Elhawary: yes
- Petrie-Norris: yes
- Connolly: yes
- Bonta: yes
- Valencia: yes
- Alanis: yes
- Stefani: yes
- Jeff Gonzalez: yes
- Davies: yes
- Lackey: yes
- Bennett: yes
- Berman: yes
- Ward: yes
- Nguyen: yes
- Pellerin: yes
- Boerner: yes
- Rivas: yes
- Jackson: yes
- Macedo: yes
- Kalra: yes
- Rogers: yes
- Garcia: yes
- McKinnor: yes
- Lowenthal: yes
- Ransom: yes
- Wicks: yes
- Muratsuchi: yes
- DeMaio: yes
- Ortega: yes
- Alvarez: other
- Ahrens: other
Related bills
No related bills recorded for this bill.
Official source
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