Pending Legislation & Rule Changes

This page tracks upcoming legislation and rule changes from various regulatory bodies. Staying informed is a key part of our "education first" mission. For a deeper discussion on any of these topics, please schedule a consultation.

Insurance Data Protection Act (H.R. 5535, House Bill)

Proposed legislation removing subpoena power from federal regulators (e.g., FIO) over insurance firms, limiting data collection to publicly available sources unless mandated by law.

Law to Permanently Raise Exemption to $15M

The "One Big Beautiful Bill Act" (OBBBA) proposes a permanent exemption of $15M per individual (or $30M per couple), indexed for inflation starting in 2026.

New CFPB Rule on Consumer Financial Contract Clauses

CFPB issued a proposed rule (comment period ended March 31, 2025) to prohibit clauses such as waiver of borrower rights, gag orders, or unfair arbitration terms across financial services.

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