---
type: "Bill"
title: "Insurance Adjusters"
description: "AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER 91 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF INSURANCE ADJUSTERS, AMONG OTHER THINGS; BY ADDING CHAPTER 92 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF PUBLIC INSURANCE ADJUSTERS, AMONG OTHER THINGS; TO AMEND SECTION 38-1-20, RELATING TO DEFINITIONS, SO AS TO PROVIDE A DEFINITION; AND BY REPEALING CHAPTERS 47 AND 48 OF TITLE 38 RELATING TO INSURANCE ADJUSTERS AND PUBLIC INSURANCE ADJUSTERS. - RATIFIED TITLE"
jurisdiction: "us/states/sc"
legislature: "South Carolina General Assembly"
session: "2025-2026"
identifier: "S 196"
citation: "South Carolina S 196 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Cromer"]
version_count: 7
action_count: 21
vote_count: 2
first_action: "2025-01-14"
last_action: "2026-06-05"
source: "openstates"
source_identifier: "ocd-bill/554df3dd-0434-450c-b26d-9a1d2cadb498"
source_url: "https://www.scstatehouse.gov/billsearch.php?billnumbers=196&session=126&summary=B"
source_hash: "1f5373fe7af535bd57ae2d101392c998fc78c2ee924fb63a411d87154fb886e7"
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-sc"]
---

# South Carolina S 196 (2025-2026) — Insurance Adjusters

AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER 91 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF INSURANCE ADJUSTERS, AMONG OTHER THINGS; BY ADDING CHAPTER 92 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF PUBLIC INSURANCE ADJUSTERS, AMONG OTHER THINGS; TO AMEND SECTION 38-1-20, RELATING TO DEFINITIONS, SO AS TO PROVIDE A DEFINITION; AND BY REPEALING CHAPTERS 47 AND 48 OF TITLE 38 RELATING TO INSURANCE ADJUSTERS AND PUBLIC INSURANCE ADJUSTERS. - RATIFIED TITLE

## Version chain

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

1. **Filed** (filed) — [source](https://www.scstatehouse.gov/sess126_2025-2026/bills/196.htm)
2. **01/14/2025** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20250114.htm)
3. **04/16/2025** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20250416.htm)
4. **04/22/2025** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20250422.htm)
5. **04/22/2025-A** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20250422a.htm)
6. **04/22/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20260422.htm)
7. **04/23/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/196_20260423.htm)

## Votes

- Passage of Bill — **108–1** (pass) · lower
- 2nd Reading — **42–0** (pass) · upper

## Sponsors

- Cromer — primary (person)

## Timeline

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

- **2025-01-14** Introduced and read first time `introduction, reading-1`
- **2025-01-14** Referred to Committee on Banking and Insurance `referral-committee`
- **2025-04-16** Committee report: Favorable Banking and Insurance `committee-passage-favorable`
- **2025-04-22** Scrivener's error corrected
- **2025-04-29** Read second time `reading-2`
- **2025-04-29** Roll call Ayes-42 Nays-0
- **2025-04-30** Read third time and sent to House `passage, reading-3`
- **2025-05-01** Introduced and read first time `introduction, reading-1`
- **2025-05-01** Referred to Committee on Labor, Commerce and Industry `referral-committee`
- **2026-04-22** Committee report: Favorable Labor, Commerce and Industry `committee-passage-favorable`
- **2026-04-23** Scrivener's error corrected
- **2026-04-28** Debate adjourned
- **2026-04-29** Debate adjourned
- **2026-04-30** Debate adjourned until Tues., 5-5-26
- **2026-05-05** Read second time `reading-2`
- **2026-05-05** Roll call Yeas-108 Nays-1
- **2026-05-06** Read third time and enrolled `passage, reading-3`
- **2026-05-14** Ratified R 132
- **2026-05-19** Signed By Governor `executive-signature`
- **2026-06-05** Effective date 05/19/26
- **2026-06-02** Act No. 209

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/554df3dd-0434-450c-b26d-9a1d2cadb498`. Confidence: reported (aggregated from official South Carolina legislature records).