---
type: "Bill"
title: "Credit unions authorized to obtain insurance from a credit union share insurance provider, credit union share guaranty corporations regulated, and conforming changes made."
description: "Credit unions authorized to obtain insurance from a credit union share insurance provider, credit union share guaranty corporations regulated, and conforming changes made."
jurisdiction: "us/states/mn"
legislature: "Minnesota Legislature"
session: "2025-2026"
identifier: "HF 4118"
citation: "Minnesota HF 4118 (2025-2026)"
classification: ["bill"]
subjects: ["Banks and Financial Institutions", "Insurance"]
status: "enacted"
primary_sponsors: ["Kotyza-Witthuhn"]
version_count: 2
action_count: 24
vote_count: 1
first_action: "2026-03-09"
last_action: "2026-08-01"
source: "openstates"
source_identifier: "ocd-bill/5875c44b-de31-4593-91ca-aabf888c288c"
source_url: "https://www.revisor.mn.gov/bills/94/2026/0/HF/4118?list=open&body=House"
source_hash: "3b778ea1a030455f9d19059d8fedce3fcf7399d03b07f48318dd176108b94d45"
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-mn"]
---

# Minnesota HF 4118 (2025-2026) — Credit unions authorized to obtain insurance from a credit union share insurance provider, credit union share guaranty corporations regulated, and conforming changes made.

## Version chain

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

1. **1st Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/94/2026/0/HF/4118/versions/1/)
2. **Introduction** (committee substitute) — [source](https://www.revisor.mn.gov/bills/94/2026/0/HF/4118/versions/0/)

## Votes

- Passage — **131–2** (pass) · lower

## Sponsors

- Kotyza-Witthuhn — primary (person)
- Allen — cosponsor (person)
- Frentz — cosponsor (person)

## Timeline

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

- **2026-03-09** Introduction and first reading, referred to Commerce Finance and Policy `introduction, referral-committee`
- **2026-03-12** Author added Allen
- **2026-03-16** Committee report, to adopt and re-refer to Ways and Means `committee-passage`
- **2026-03-25** Committee report, to adopt and re-refer to Commerce Finance and Policy `committee-passage`
- **2026-04-07** Committee report, to adopt as amended `committee-passage`
- **2026-04-07** Second reading `reading-2`
- **2026-04-09** House rule 1.21, placed on Calendar for the Day Monday, April 13, 2026
- **2026-04-13** Third reading `reading-3`
- **2026-04-13** Bill was passed `passage`
- **2026-04-22** Returned from Senate
- **2026-04-28** Presented to Governor 04/28/2026 `executive-receipt`
- **2026-04-29** Governor approval 04/29/2026 `executive-signature`
- **2026-04-29** Secretary of State, Filed 04/29/2026
- **2026-04-14** Received from House `introduction`
- **2026-04-14** Introduction and first reading `introduction`
- **2026-04-14** Referred to Rules and Administration for comparison with SF4444, now on General Orders `referral-committee`
- **2026-04-15** Comm report: Rule 45-amend, subst. General Orders SF4444
- **2026-04-15** Second reading `reading-2`
- **2026-04-21** Special Order: Rule 45 amendment stricken
- **2026-04-21** Third reading Passed `passage`
- **2026-04-28** Presentment date 04/28/26
- **2026-04-29** Governor's action Approval 04/29/26 `executive-signature`
- **2026-04-29** Secretary of State Chapter 56 04/29/26
- **2026-08-01** Effective date 08/01/2026

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5875c44b-de31-4593-91ca-aabf888c288c`. Confidence: reported (aggregated from official Minnesota legislature records).