---
type: "Bill"
title: "INSURANCE RATES: Provides for rate filing procedures and requirements for rate making. (gov sig) (EN NO IMPACT See Note)"
description: "INSURANCE RATES: Provides for rate filing procedures and requirements for rate making. (gov sig) (EN NO IMPACT See Note)"
jurisdiction: "us/states/la"
legislature: "Louisiana Legislature"
session: "2024"
identifier: "SB 295"
citation: "Louisiana SB 295 (2024)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Heather Cloud"]
version_count: 10
action_count: 20
vote_count: 3
first_action: "2024-03-01"
last_action: "2024-05-07"
source: "openstates"
source_identifier: "ocd-bill/4b0be4de-b9e2-4657-af0d-1a38f6e6170a"
source_url: "https://www.legis.la.gov/Legis/BillInfo.aspx?i=246576"
source_hash: "8f667ca636b50f5a9618a98984c5a3b209fbfedb9ca7ed6f845e64a1d0a65b35"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-la"]
---

# Louisiana SB 295 (2024) — INSURANCE RATES: Provides for rate filing procedures and requirements for rate making. (gov sig) (EN NO IMPACT See Note)

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **SB295 Original** (filed) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1352667)
2. **House Committee Amendment, #2684, INS, Draft** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1363955)
3. **House Committee Amendment, #3210, INS, Adopted** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1366576)
4. **SB295 Act** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1372372)
5. **SB295 Engrossed** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1356386)
6. **SB295 Reengrossed** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1358516)
7. **Senate Committee Amendment, #1024, INS, Adopted** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1356146)
8. **Senate Committee Amendment, #919, INS, Draft** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1355640)
9. **Senate Floor Bureau Note, #1187, Cloud, Adopted** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1357946)
10. **SB295 Enrolled** (enrolled) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1370048)

## Votes

- FINAL PASSAGE (#715) — **93–3** (pass) · lower
- CONCUR (#422) — **35–0** (pass) · upper
- FINAL PASSAGE (#158) — **36–1** (pass) · upper

## Sponsors

- Heather Cloud — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-05-07** Effective date 5/7/2024.
- **2024-05-07** Signed by the Governor. Becomes Act No. 10. `became-law, executive-signature`
- **2024-05-01** Sent to the Governor by the Secretary of the Senate. `executive-receipt`
- **2024-04-30** Signed by the Speaker of the House.
- **2024-04-30** Enrolled. Signed by the President of the Senate. `enrolled`
- **2024-04-29** Amendments proposed by the House read and concurred in by a vote of 35 yeas and 0 nays.
- **2024-04-24** Received from the House with amendments. `receipt`
- **2024-04-24** Read third time by title, roll called on final passage, yeas 93, nays 3. Finally passed, ordered to the Senate. `passage`
- **2024-04-24** Rules suspended, called out of its regular order.
- **2024-04-23** Scheduled for floor debate on 04/24/2024.
- **2024-04-22** Read by title, amended, passed to 3rd reading. `reading-3`
- **2024-04-18** Reported without Legislative Bureau amendments.
- **2024-04-17** Reported with amendments (12-0). Referred to the Legislative Bureau. `committee-passage-favorable`
- **2024-04-02** Read by title, under the rules, referred to the Committee on Insurance. `referral-committee`
- **2024-03-27** Received in the House from the Senate, read by title, lies over under the rules.
- **2024-03-26** Senate floor amendments read and adopted. Read by title and passed by a vote of 36 yeas and 1 nays; ordered reengrossed and sent to the House. Motion to reconsider tabled. `passage`
- **2024-03-25** Read by title. Committee amendments read and adopted. Ordered engrossed and passed to third reading and final passage.
- **2024-03-20** Reported with amendments. `committee-passage-favorable`
- **2024-03-11** Introduced in the Senate; read by title. Rules suspended. Read second time and referred to the Committee on Insurance. `referral-committee`
- **2024-03-01** Prefiled and under the rules provisionally referred to the Committee on Insurance. `filing, referral-committee`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/4b0be4de-b9e2-4657-af0d-1a38f6e6170a`. Confidence: reported (aggregated from official Louisiana legislature records).