---
type: "Bill"
title: "An act relating to banking and insurance"
description: "An act relating to banking and insurance"
jurisdiction: "us/states/vt"
legislature: "Vermont General Assembly"
session: "2023-2024"
identifier: "S 95"
citation: "Vermont S 95 (2023-2024)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Ann Cummings"]
version_count: 9
action_count: 37
vote_count: 0
first_action: "2023-02-22"
last_action: "2023-05-12"
source: "openstates"
source_identifier: "ocd-bill/64abe09d-c497-4fb4-a024-3669dfeb213c"
source_url: "http://legislature.vermont.gov/bill/loadBillDetailedStatus/2024/708"
source_hash: "1cd800cd53581881ab190fe73f97854a17afc488a9ad2834035517d015e364d5"
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-vt"]
---

# Vermont S 95 (2023-2024) — An act relating to banking and insurance

## Version chain

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

1. **As Introduced** (filed) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20As%20Introduced.pdf)
2. **Act Summary** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/ACTS/ACT032/ACT032%20Act%20Summary.pdf)
3. **As Enacted** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/ACTS/ACT032/ACT032%20As%20Enacted.pdf)
4. **As Passed By the Senate (Official)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20As%20passed%20by%20the%20Senate%20Official.pdf)
5. **As Passed By the Senate (Unofficial)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20As%20Passed%20by%20the%20Senate%20Unofficial.pdf)
6. **As Passed by Both House and Senate (Official)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20As%20Passed%20by%20Both%20House%20and%20Senate%20Official.pdf)
7. **As Passed by Both House and Senate (Unofficial)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20As%20Passed%20by%20Both%20House%20and%20Senate%20Unofficial.pdf)
8. **House Proposal of Amendment (Official)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20House%20proposal%20of%20amendment%20Official.pdf)
9. **House Proposal of Amendment (Unofficial)** (committee substitute) — [source](https://legislature.vermont.gov/Documents/2024/Docs/BILLS/S-0095/S-0095%20House%20Proposal%20of%20Amendment%20Unofficial.pdf)

## Sponsors

- Ann Cummings — primary (person)

## Timeline

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

- **2023-02-22** Read 1st time & referred to Committee on Finance `introduction`
- **2023-03-03** Favorable report with recommendation of amendment by Committee on Finance `committee-passage`
- **2023-03-03** Entered on Notice Calendar
- **2023-03-14** New Business/Second Reading `reading-2`
- **2023-03-14** Favorable report with recommendation of amendment by Committee on Finance `committee-passage`
- **2023-03-14** Read 2nd time, reported favorably with recommendation of amendment by Senator Cummings for Committee on Finance `committee-passage-favorable, reading-2`
- **2023-03-14** Recommendation of amendment by Committee on Finance agreed to
- **2023-03-14** 3rd reading ordered
- **2023-03-15** New Business/Third Reading `reading-3`
- **2023-03-15** Pending third reading, motion to amend to be offered by Senator(s) Cummings `reading-3`
- **2023-03-15** Pending third reading, bill amended as moved by Senator(s) Cummings `reading-3`
- **2023-03-15** Read 3rd time & passed `reading-3`
- **2023-03-17** Read first time and referred to the Committee on Commerce and Economic Development `introduction`
- **2023-04-26** Notice Calendar: Favorable with Amendment
- **2023-04-26** Referred to Committee on Ways and Means per Rule 35(a)
- **2023-05-04** Notice Calendar: Favorable with Amendment
- **2023-05-05** Action Calendar: Favorable with Amendment
- **2023-05-05** Read second time `reading-2`
- **2023-05-05** Rep. Graning of Jericho reported for the Committee on Commerce and Economic Development
- **2023-05-05** Rep. Anthony of Barre City recommended for the Committee on Ways and Means
- **2023-05-05** Report of Committee on Commerce and Economic Development agreed to
- **2023-05-05** Third Reading ordered `reading-3`
- **2023-05-06** Action Calendar: Third Reading `reading-3`
- **2023-05-08** Action Calendar: Third Reading `reading-3`
- **2023-05-08** Read third time and passed in concurrence with proposal of amendment `amendment-introduction, reading-3`
- **2023-05-10** House message: House passed bill in concurrence with proposal(s) of amendment
- **2023-05-10** Entered on Notice Calendar
- **2023-05-10** House proposal of amendment `amendment-introduction`
- **2023-05-10** Rules suspended & taken up for immediate consideration, on motion of Senator Baruth
- **2023-05-10** House proposal of amendment; text `amendment-introduction`
- **2023-05-10** House proposal of amendment concurred in `amendment-introduction`
- **2023-05-10** As passed by Senate and House `passage`
- **2023-05-10** Rules suspended & action messaged to House forthwith, on motion of Senator Baruth
- **2023-05-10** Senate Message: House proposal of amendment concurred in `amendment-introduction`
- **2023-05-12** Delivered to Governor on Thursday, May 25, 2023 `executive-receipt`
- **2023-05-12** Signed by Governor on Wednesday, May 31, 2023 `executive-signature`
- **2023-05-12** Senate Message: Signed by Governor May 31, 2023 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/64abe09d-c497-4fb4-a024-3669dfeb213c`. Confidence: reported (aggregated from official Vermont legislature records).