HB 37812026
bill
2026 Regular Session · House bill
HB 3781
Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.
Business, jobs & the economyInsurance industry how tagged
Official title shown; Open States carries no separate summary for Oklahoma bills. See the AI analysis below.
Enacted Last action May 12, 2026: Approved by Governor 05/12/2026
Same number in other sessions: 2024 (bills from 2025 carry over into 2026 within the 60th Legislature).
AI analysis AI-generated
AI-generated · may be inaccurate or incomplete. Written by a language model (Workers AI, llama-3.3-70b-instruct-fp8-fast) from the bill's official title, actions, votes, sponsors, committee referrals and hearings in our database — not from the bill text. Check the official text on oklegislature.gov before relying on it. Not legal advice.
Authors & coauthors 5
- Principal House author
- Stacy Jo Adams R
- Principal Senate author
- Aaron Reinhardt R
- House coauthors
- Emily Gise R, Mark Tedford R
- Senate coauthors
- Julia Kirt D
Principal authors from Open States; coauthors read from “Coauthored by …” actions (removals applied).
Status
- Introduced
- In committee (origin chamber)
- Passed committee (origin chamber)
- Passed origin chamber
- In committee (second chamber)
- Passed committee (second chamber)
- Passed both chambers
- Sent to Governor
- Enacted / adopted
Committee referrals 3
| Referred | Chamber | Committee | Outcome |
|---|---|---|---|
| Feb. 3, 2026 | House | Commerce and Economic Development Oversight | Passed (committee substitute) March 5, 2026 |
| Feb. 3, 2026 | House | Insurance | Passed Feb. 17, 2026 |
| April 1, 2026 | Senate | Business and Insurance | Passed (committee substitute) April 23, 2026 |
Roll-call votes 6
Feb. 17, 2026HouseInsurance Committee: Do PassPassed7–1
yes (7) Adams, Hefner, Marti, Norwood, Sneed, Timmons, West
no (1) Tedford
Official vote record: oklegislature.gov
March 5, 2026HouseCommerce And Economic Development Oversight Committee: Do Pass As Amended By CsPassed10–3
yes (10) Adams, Alonso Sandoval, Banning, Hill, Johns, Lawson, Lay, Miller, Tedford, Townley
Official vote record: oklegislature.gov
March 26, 2026HouseThird ReadingPassed81–14 4 excused
yes (81) Adams, Alonso Sandoval, Bashore, Blair, Blancett, Boles, Caldwell, Caldwell, Cantrell, Chapman, Clinton, Cornwell, Crosswhite Hader, Culver, Deck, Dempsey, Dobrinski, Dollens, Duel, Eaves, Ford, Fugate, George, Gise, Hader, Hardin, Harris, Hasenbeck, Hefner, Hildebrant, Johns, Kane, Kannady, Kelley, Kendrix, Kerbs, Lawson, Lay, Lepak, Lowe, Luttrell, Manger, Marti, May, McCane, Menz, Miller, Moore, Mr. Speaker, Munson, Newton, Norwood, Olsen, Pae, Patzkowsky, Pfeiffer, Pogemiller, Provenzano, Ranson, Roberts, Roe, Schreiber, Sneed, Staires, Stark, Steagall, Sterling, Stewart, Stinson, Strom, Timmons, Townley, Travis, Waldron, West, West, Wilk, Williams, Wolfley, Woolley, Worthen
no (14) Archer, Banning, Gann, Grego, Hall, Hays, Humphrey, Jenkins, Maynard, Shaw, Smith, Turner, West, West
excused (4) Hill, Osburn, Rosecrants, Tedford
Official vote record: oklegislature.gov
April 23, 2026SenateDo Pass Amended CsPassed8–0
yes (8) Alvord, Brooks, Coleman, Grellner, Guthrie, Mann, Reinhardt, Standridge
Official vote record: oklegislature.gov
May 4, 2026SenateThird ReadingPassed39–6 3 excused
yes (39) Alvord, Bergstrom, Boren, Brooks, Bullard, Burns, Coleman, Dossett, Frix, Gillespie, Gollihare, Green, Guthrie, Hall, Hamilton, Haste, Hicks, Hines, Howard, Jech, Kern, Kirt, Logan, Mann, Murdock, Nice, Paxton, Pederson, Prieto, Rader, Reinhardt, Rosino, Seifried, Stanley, Stewart, Thompson, Weaver, Wingard, Woods
excused (3) Daniels, Pugh, Sacchieri
no (6) Deevers, Goodwin, Grellner, Jett, McIntosh, Standridge
Official vote record: oklegislature.gov
May 6, 2026HouseFourth ReadingPassed73–11 15 excused
yes (73) Adams, Alonso Sandoval, Archer, Bashore, Blair, Blancett, Boles, Cantrell, Chapman, Clinton, Cornwell, Crosswhite Hader, Culver, Deck, Dempsey, Dobrinski, Dollens, Duel, Fetgatter, Ford, Fugate, George, Gise, Grego, Hader, Hardin, Harris, Hasenbeck, Hefner, Johns, Kane, Kelley, Kendrix, Kerbs, Lawson, Lay, Lepak, Lowe, Manger, May, McCane, Menz, Miller, Moore, Mr. Speaker, Newton, Norwood, Olsen, Osburn, Patzkowsky, Pogemiller, Provenzano, Ranson, Roberts, Roe, Rosecrants, Schreiber, Sneed, Stark, Sterling, Stinson, Strom, Timmons, Townley, Travis, Turner, West, West, Wilk, Williams, Wolfley, Woolley, Worthen
no (11) Banning, Gann, Hall, Hays, Hildebrant, Jenkins, Marti, Maynard, Shaw, Smith, West
excused (15) Caldwell, Caldwell, Hill, Humphrey, Kannady, Luttrell, Munson, Pae, Pfeiffer, Staires, Steagall, Stewart, Tedford, Waldron, West
Official vote record: oklegislature.gov
Official text & documents
- 1 Floor Amendment by OSBURN · PDF on oklegislature.gov
- Amended And Engrossed · PDF on oklegislature.gov
- Committee Amendment · PDF on oklegislature.gov
- Engrossed · PDF on oklegislature.gov
- Enrolled (final version) · PDF on oklegislature.gov
- Floor (House) · PDF on oklegislature.gov
- Floor (Senate) · PDF on oklegislature.gov
- HB3781 (4-29-26) (REINHARDT) RT FA1.PDF · PDF on oklegislature.gov
- House Committee Substitute · PDF on oklegislature.gov
- Introduced · PDF on oklegislature.gov
- Proposed Committee Substitute (full committee) 1 · PDF on oklegislature.gov
- Senate Committee Substitute for House Bill · PDF on oklegislature.gov
3 committee reports and other documents
Official bill page: https://www.oklegislature.gov/BillInfo.aspx?Bill=HB3781&session=2600
Timeline 34 actions
- Feb. 2, 2026HouseFirst Reading
- Feb. 2, 2026HouseAuthored by Representative Adams
- Feb. 3, 2026HouseSecond Reading referred to Commerce and Economic Development Oversight
- Feb. 3, 2026HouseReferred to Insurance
- Feb. 17, 2026HousePolicy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance
- March 5, 2026HouseCR; Do Pass, amended by committee substitute Commerce and Economic Development Oversight Committee
- March 26, 2026HouseGeneral Order
- March 26, 2026HouseCoauthored by Representative(s) Gise
- March 26, 2026HouseAuthored by Senator Reinhardt (principal Senate author)
- March 26, 2026HouseAmended
- March 26, 2026HouseTitle stricken
- March 26, 2026HouseThird Reading, Measure passed: Ayes: 81 Nays: 14
- March 26, 2026HouseReferred for engrossment
- March 30, 2026HouseEngrossed, signed, to Senate
- March 30, 2026SenateFirst Reading
- April 1, 2026SenateSecond Reading referred to Business and Insurance
- April 8, 2026SenateCoauthored by Representative Tedford
- April 23, 2026SenateReported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
- April 23, 2026SenateEmergency removed
- April 28, 2026SenatePlaced on General Order
- May 4, 2026SenateCoauthored by Senator Kirt
- May 4, 2026SenateGeneral Order, Amended
- May 4, 2026SenateTitle restored
- May 4, 2026SenateMeasure passed: Ayes: 39 Nays: 6
- May 4, 2026SenateReferred for engrossment
- May 5, 2026SenateEngrossed to House
- May 5, 2026HouseSA's received
- May 6, 2026HouseSA's read, adopted
- May 6, 2026HouseFourth Reading, Measure passed: Ayes: 73 Nays: 11
- May 6, 2026HouseReferred for enrollment
- May 6, 2026HouseEnrolled, signed, to Senate
- May 6, 2026SenateEnrolled measure signed, returned to House
- May 6, 2026HouseSent to Governor
- May 12, 2026HouseApproved by Governor 05/12/2026
On committee agendas 3
- Tuesday, Feb. 17, 2026, 3:00 p.m. — House Insurance · Room 5S.2
- Thursday, March 5, 2026, 10:30 a.m. — House Commerce & Economic Development Oversight · Room 450
- Thursday, April 23, 2026, 9:30 a.m. — Senate Business and Insurance · Room 535
Momentum: 100 of 100
| Stage (Enacted / adopted) | 50 / 50 |
|---|---|
| Recency (17 days before May 29, 2026) | 19 / 20 |
| Committee progress | 10 / 10 |
| Coauthors | 6 / 10 |
| Bipartisan sponsorship | 10 / 10 |
| Rule applied | enacted/adopted = 100 |
How this is calculated
- Stage reached — up to 50. 50 × (stage − 1) ÷ 8, where the stages are 1 Introduced · 2 In committee · 3 Passed committee · 4 Passed its first chamber · 5 In committee in the second chamber · 6 Passed that committee · 7 Passed both chambers · 8 Sent to the Governor · 9 Enacted / adopted.
- Recency — up to 20. 20 if the last recorded action was within 14 days of the reference date, falling in a straight line to 0 at 90 days. The reference date is the earlier of the data date (Oct. 1, 2026) and the session's last scheduled day, so a finished session is scored as it stood when it ended.
- Committee progress — up to 10. 5 for each chamber in which a committee reported the bill favourably.
- Coauthors — up to 10. 1 per coauthor (max 7), plus 3 if its authors and coauthors include members of both chambers.
- Bipartisan sponsorship — 10. 10 if the authors and coauthors include at least one Republican and one Democrat.
Rules on top: an enacted bill (signed, law without signature, or veto overridden) or an adopted resolution scores 100. A vetoed bill without an override, or one whose last committee vote failed, has its score halved.
Disclaimer. The momentum score is an automated, rough indicator built only from the public record (stage, dates, authors and committee reports). It is not a prediction, does not measure merit or support, and can be wrong when an action is mis-recorded or an author is mis-matched. Coauthors are read from the action text (“Coauthored by …”). Always check the official record on oklegislature.gov.