---
type: "Bill"
title: "Insurance; rates; penalties; hearing; due diligence search; filings; surplus lines licensee; broker; unfair settlement; third-party administrator; Insurance Commissioner; effective date."
description: "Insurance; rates; penalties; hearing; due diligence search; filings; surplus lines licensee; broker; unfair settlement; third-party administrator; Insurance Commissioner; effective date."
jurisdiction: "us/states/ok"
legislature: "Oklahoma Legislature"
session: "2024"
identifier: "HB 3091"
citation: "Oklahoma HB 3091 (2024)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Pemberton", "Tedford"]
version_count: 5
action_count: 20
vote_count: 4
first_action: "2024-02-05"
last_action: "2024-04-29"
source: "openstates"
source_identifier: "ocd-bill/d125ce5a-7e42-44ff-84ab-ae6ffeff70a9"
source_url: "http://www.oklegislature.gov/BillInfo.aspx?Bill=HB3091&session=2400"
source_hash: "003df927b891d2fe5b29c0bb8affcc83a60687ef336a53f42578e1ae58bde5e6"
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-ok"]
---

# Oklahoma HB 3091 (2024) — Insurance; rates; penalties; hearing; due diligence search; filings; surplus lines licensee; broker; unfair settlement; third-party administrator; Insurance Commissioner; effective date.

## Version chain

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

1. **Introduced** (filed) — [source](http://webserver1.lsb.state.ok.us/cf_pdf/2023-24 INT/hB/HB3091 INT.PDF)
2. **Engrossed** (committee substitute) — [source](http://webserver1.lsb.state.ok.us/cf_pdf/2023-24 ENGR/hB/HB3091 ENGR.PDF)
3. **Enrolled (final version)** (committee substitute) — [source](http://webserver1.lsb.state.ok.us/cf_pdf/2023-24 ENR/hB/HB3091 ENR.PDF)
4. **Floor (House)** (committee substitute) — [source](http://webserver1.lsb.state.ok.us/cf_pdf/2023-24 FLR/HFLR/HB3091 HFLR.PDF)
5. **Floor (Senate)** (committee substitute) — [source](http://webserver1.lsb.state.ok.us/cf_pdf/2023-24 FLR/SFLR/HB3091 SFLR.PDF)

## Votes

- Third Reading — **92–0** (pass) · lower
- Retirement & Insurance — **10–0** (pass) · upper
- Insurance Committee: Do Pass — **7–0** (pass) · lower
- Third Reading — **45–0** (pass) · upper

## Sponsors

- Pemberton — primary (person)
- Tedford — primary (person)

## Timeline

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

- **2024-02-05** First Reading `introduction, reading-1`
- **2024-02-05** Authored by Representative Tedford
- **2024-02-06** Second Reading referred to Insurance `reading-2, referral-committee`
- **2024-02-12** CR; Do Pass Insurance Committee `committee-passage`
- **2024-02-12** Authored by Senator Pemberton (principal Senate author)
- **2024-03-11** General Order
- **2024-03-11** Third Reading, Measure passed: Ayes: 92 Nays: 0 `passage, reading-3`
- **2024-03-11** Referred for engrossment
- **2024-03-12** Engrossed, signed, to Senate `passage`
- **2024-03-12** First Reading `introduction, reading-1`
- **2024-03-19** Second Reading referred to Retirement and Insurance `reading-2, referral-committee`
- **2024-04-02** Reported Do Pass Retirement and Insurance committee; CR filed `committee-passage`
- **2024-04-24** General Order, Considered
- **2024-04-24** Measure passed: Ayes: 45 Nays: 0 `passage`
- **2024-04-24** Engrossed measure signed, returned to House `passage`
- **2024-04-24** Referred for enrollment
- **2024-04-25** Enrolled, signed, to Senate
- **2024-04-25** Enrolled measure signed, returned to House
- **2024-04-25** Sent to Governor `executive-receipt`
- **2024-04-29** Approved by Governor 04/29/2024 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d125ce5a-7e42-44ff-84ab-ae6ffeff70a9`. Confidence: reported (aggregated from official Oklahoma legislature records).