RELATING TO BUSINESS REGISTRATION.

Clarifies and corrects ambiguities and errors in Hawaii's business registration laws.

RELATING TO THE CODE OF FINANCIAL INSTITUTIONS.

Eliminates obsolete requirements and improves the procedures for the licensing and regulation of financial institutions by the Division of Financial Institutions.

RELATING TO INSURANCE.

Updates and streamlines insurance statutes to conform with federal law and national standards.

RELATING TO INTEREST RATES.

Clarifies permissible credit card interest rates. Defines "interest" to include credit card fees and charges.

RELATING TO INSURANCE.

Requires adequate responses from insurance providers to inquiries and claim submissions from insureds.

RELATING TO EXPEDITED INSURANCE RATE REDUCTIONS.

Allows any property and casualty rate filing that when filed constitutes a reduction of not more than 10 percent below the rate in effect and approved by the Insurance Commissioner to become effective without prior approval.

RELATING TO AN INACTIVE STATUS FOR PROFESSIONAL AND VOCATIONAL LICENSES.

Authorizes affected licensing authorities to allow licensees to go on inactive status when they are currently not engged in the practice of their profession or vocation, and allows licensees to reactivate their licenses at any time during the licensure period or at renewal.

RELATING TO INSURANCE.

Establishes standards and procedures to be followed by insurers or insurance producers when making recommendations to senior consumers who are considering the purchase or exchange of any annuity.

RELATING TO ANNUITIES.

Establishes standards and procedures to be followed by insurers or insurance producers when making recommendations to senior consumers who are considering the purchase or exchange of any annuity.

RELATING TO DEFERRED DEPOSITS.

Requires check cashing businesses to post deferred deposit agreement fees in a conspicuous place, provides a blank percentage to modify the maximum fee that a check cashing business may charge for a deferred deposit agreement, and requires check cashing businesses to register with the department of commerce and consumer affairs

RELATING TO MOTOR VEHICLE INSURANCE.

Specifies that the claimant may contest the insurer's denial of personal injury protection benefits.

RELATING TO MOTOR VEHICLE INSURANCE.

Provides motor vehicle insurance premium discounts to those who complete an accident prevention course.

RELATING TO A ONE CALL CENTER.

Adds members to the one call center advisory committee.

RELATING TO PROPERTY INSURANCE.

Requires the renewal of property insurance at least once following the loss or damage of any covered property of the insured resulting from a catastrophe.

RELATING TO INSURANCE.

Requires each county to adopt ordinance to participate in the Community Rating System of the National Flood Insurance Program.

RELATING TO THE PUBLIC UTILITIES COMMISSION.

Creates a selection commission to pick members of the Public Utilities Commission. Establishes terms of service.

RELATING TO CABLE TELEVISION.

Authorizes DCCA to provide additional funding to support public, educational, and governmental access programming in underserved areas of the State. Appropriates funds from the compliance resolution fund to the underserved areas of Molokai, Lanai, and Hana, Maui.

RELATING TO TELECOMMUNICATIONS.

Mandates the collection and analysis of data on radio frequency radiation from cellular base station antennas and antenna towers. Mandates the counties to establish a permit process with public hearing requirements for cell phone towers, antennas, and other structures exceeding 10 feet in height.

RELATING TO INSURANCE FRAUD.

Expands the authority of the insurance division's insurance fraud investigations unit to prevent, investigate, and prosecute both civilly and criminally insurance fraud relating to all lines of insurance.

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Rep. Robert N. Herkes