republic-os/legislation/us/states/ok/2026/hb-3781.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.	Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.	us/states/ok	Oklahoma Legislature	2026	HB 3781	Oklahoma HB 3781 (2026)	bill		enacted	Adams Reinhardt	12	34	6	2026-02-02	2026-05-12	openstates	ocd-bill/1382e19f-e520-446e-b828-f8979b8a0c9c	http://www.oklegislature.gov/BillInfo.aspx?Bill=HB3781&session=2600	f9da17ca4291e8869b0912159d14da94405a913cb50c481e886b11912d01a041	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	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; origin ocd-bill/1382e19f-e520-446e-b828-f8979b8a0c9c. Confidence: reported (aggregated from official Oklahoma legislature records).