---
type: "Bill"
title: "Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date."
description: "Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date."
jurisdiction: "us/states/ok"
legislature: "Oklahoma Legislature"
session: "2026"
identifier: "HB 3781"
citation: "Oklahoma HB 3781 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Adams", "Reinhardt"]
version_count: 12
action_count: 34
vote_count: 6
first_action: "2026-02-02"
last_action: "2026-05-12"
source: "openstates"
source_identifier: "ocd-bill/1382e19f-e520-446e-b828-f8979b8a0c9c"
source_url: "http://www.oklegislature.gov/BillInfo.aspx?Bill=HB3781&session=2600"
source_hash: "f9da17ca4291e8869b0912159d14da94405a913cb50c481e886b11912d01a041"
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 3781 (2026) — Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.

## Version chain

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

1. **Introduced** (filed) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 INT/hB/HB3781 INT.PDF)
2. **1 Floor Amendment by OSBURN** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLOOR AMENDMENTS/House/HB3781 FA1 OSBURNMI-CC.PDF)
3. **Amended And Engrossed** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 AMENDMENTS/Amendment and Engr/HB3781 SAHB AND ENGR.PDF)
4. **Committee Amendment** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 COMMITTEE AMENDMENTS/Senate/HB3781 PCS.PDF)
5. **Engrossed** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 ENGR/hB/HB3781 ENGR.PDF)
6. **Enrolled (final version)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 ENR/hB/HB3781 ENR.PDF)
7. **Floor (House)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLR/HFLR/HB3781 HFLR.PDF)
8. **Floor (Senate)** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLR/SFLR/HB3781 SFLR.PDF)
9. **HB3781 (4-29-26) (REINHARDT) RT FA1.PDF** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 FLOOR AMENDMENTS/Senate/HB3781 (4-29-26) (REINHARDT) RT FA1.PDF)
10. **House Committee Substitute** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 COMMITTEE SUBS/HCS/HB3781 CS.PDF)
11. **Proposed Committee Substitute (full committee) 1** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 COMMITTEE AMENDMENTS/House/HB3781 FULLPCS1 STACY ADAMS-MJ.PDF)
12. **Senate Committee Substitute for House Bill** (committee substitute) — [source](https://www.oklegislature.gov/cf_pdf/2025-26 COMMITTEE SUBS/SCSH/HB3781 SCSH.PDF)

## Votes

- Third Reading — **39–6** (pass) · upper
- Do Pass Amended Cs — **8–0** (pass) · upper
- Fourth Reading — **73–11** (pass) · lower
- Commerce And Economic Development Oversight Committee: Do Pass As Amended By Cs — **10–3** (pass) · lower
- Insurance Committee: Do Pass — **7–1** (pass) · lower
- Third Reading — **81–14** (pass) · lower

## Sponsors

- Adams — primary (person)
- Reinhardt — primary (person)

## Timeline

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

- **2026-02-02** First Reading `introduction, reading-1`
- **2026-02-02** Authored by Representative Adams
- **2026-02-03** Second Reading referred to Commerce and Economic Development Oversight `reading-2, referral-committee`
- **2026-02-03** Referred to Insurance `referral-committee`
- **2026-02-17** Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance `committee-passage`
- **2026-03-05** CR; Do Pass, amended by committee substitute Commerce and Economic Development Oversight Committee `committee-passage`
- **2026-03-26** General Order
- **2026-03-26** Coauthored by Representative(s) Gise
- **2026-03-26** Authored by Senator Reinhardt (principal Senate author)
- **2026-03-26** Amended `amendment-passage`
- **2026-03-26** Title stricken
- **2026-03-26** Third Reading, Measure passed: Ayes: 81 Nays: 14 `passage, reading-3`
- **2026-03-26** Referred for engrossment
- **2026-03-30** Engrossed, signed, to Senate `passage`
- **2026-03-30** First Reading `introduction, reading-1`
- **2026-04-01** Second Reading referred to Business and Insurance `reading-2, referral-committee`
- **2026-04-08** Coauthored by Representative Tedford
- **2026-04-23** Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed `committee-passage`
- **2026-04-23** Emergency removed
- **2026-04-28** Placed on General Order
- **2026-05-04** Coauthored by Senator Kirt
- **2026-05-04** General Order, Amended
- **2026-05-04** Title restored
- **2026-05-04** Measure passed: Ayes: 39 Nays: 6 `passage`
- **2026-05-04** Referred for engrossment
- **2026-05-05** Engrossed to House `passage`
- **2026-05-05** SA's received
- **2026-05-06** SA's read, adopted
- **2026-05-06** Fourth Reading, Measure passed: Ayes: 73 Nays: 11 `passage`
- **2026-05-06** Referred for enrollment
- **2026-05-06** Enrolled, signed, to Senate
- **2026-05-06** Enrolled measure signed, returned to House
- **2026-05-06** Sent to Governor `executive-receipt`
- **2026-05-12** Approved by Governor 05/12/2026 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/1382e19f-e520-446e-b828-f8979b8a0c9c`. Confidence: reported (aggregated from official Oklahoma legislature records).