Multiple Agency Fiscal Note Summary — 5331 SB: Insurance code violations
Summary
A Final Multiple Agency Fiscal Note Summary, with a date published of January 29, 2025, for Bill Number 5331 SB, titled Insurance code violations. The rollup lists the Office of Attorney General at 0.3 FTEs and 49,000 for 2025-27, and lists the Administrative Office of the Courts and the Office of Insurance Commissioner at .0. The Judicial Impact Fiscal Note marks No Fiscal Impact. The Office of Attorney General note describes Section 1 as amending RCW 48.02.080 so that the Office of the Insurance Commissioner may order payment of restitution, and Section 2 as amending RCW 48.05.185 to allow penalties of not less than $250 and up to $10,000 per violation.
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“Multiple Agency Fiscal Note Summary — 5331 SB: Insurance code violations.”
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Multiple Agency Fiscal Note Summary
Bill Number: 5331 SB Title: Insurance code violations
Estimated Cash Receipts
Agency Name 2025-27 2027-29 2029-31
GF-State NGF-Outlook Total GF-State NGF-Outlook Total GF-State NGF-Outlook Total
Office of Attorney 0 0 49,000 0 0 58,000 0 0 58,000
General
Total $ 0 0 49,000 0 0 58,000 0 0 58,000
Agency Name 2025-27 2027-29 2029-31
GF- State Total GF- State Total GF- State Total
Local Gov. Courts No fiscal impact
Loc School dist-SPI
Local Gov. Other
Local Gov. Total
Estimated Operating Expenditures
Agency Name 2025-27 2027-29 2029-31
FTEs GF-State NGF-Outlook Total FTEs GF-State NGF-Outlook Total FTEs GF-State NGF-Outlook Total
Administrative .0 0 0 0 .0 0 0 0 .0 0 0 0
Office of the
Courts
Office of .3 0 0 49,000 .3 0 0 58,000 .3 0 0 58,000
Attorney
General
Office of .0 0 0 0 .0 0 0 0 .0 0 0 0
Insurance
Commissioner
Total $ 0.3 0 0 49,000 0.3 0 0 58,000 0.3 0 0 58,000
Agency Name 2025-27 2027-29 2029-31
FTEs GF-State Total FTEs GF-State Total FTEs GF-State Total
Local Gov. Courts No fiscal impact
Loc School dist-SPI
Local Gov. Other
Local Gov. Total
Estimated Capital Budget Expenditures
FNPID 72046
:
FNS029 Multi Agency rollup
Agency Name 2025-27 2027-29 2029-31
FTEs Bonds Total FTEs Bonds Total FTEs Bonds Total
Administrative Office of .0 0 0 .0 0 0 .0 0 0
the Courts
Office of Attorney .0 0 0 .0 0 0 .0 0 0
General
Office of Insurance .0 0 0 .0 0 0 .0 0 0
Commissioner
Total $ 0.0 0 0 0.0 0 0 0.0 0 0
Agency Name 2025-27 2027-29 2029-31
FTEs GF-State Total FTEs GF-State Total FTEs GF-State Total
Local Gov. Courts No fiscal impact
Loc School dist-SPI
Local Gov. Other
Local Gov. Total
Estimated Capital Budget Breakout
Prepared by: Jason Brown, OFM Phone: Date Published:
(360) 742-7277 Final 1/29/2025
FNPID 72046
:
FNS029 Multi Agency rollup
Judicial Impact Fiscal Note
Bill Number: 5331 SB Title: Insurance code violations Agency: 055-Administrative Office of
the Courts
Part I: Estimates
X No Fiscal Impact
Estimated Cash Receipts to:
NONE
Estimated Expenditures from:
NONE
Estimated Capital Budget Impact:
NONE
The revenue and expenditure estimates on this page represent the most likely fiscal impact. Responsibility for expenditures may be
subject to the provisions of RCW 43.135.060.
Check applicable boxes and follow corresponding instructions:
If fiscal impact is greater than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete entire fiscal note form
Parts I-V.
If fiscal impact is less than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete this page only (Part I).
Capital budget impact, complete Part IV.
Legislative Contact John Kim Phone: 360-786-7453 Date: 01/22/2025
Agency Preparation: Devon Dieckman Phone: 3607044020 Date: 01/29/2025
Agency Approval: Chris Stanley Phone: 360-357-2406 Date: 01/29/2025
OFM Review: Gaius Horton Phone: (360) 819-3112 Date: 01/29/2025
199,219.00 Request # 074-1
Form FN (Rev 1/00) 1 Bill # 5331 SB
FNS061 Judicial Impact Fiscal Note
Part II: Narrative Explanation
II. A - Brief Description Of What The Measure Does That Has Fiscal Impact on the Courts
The amendments allow a court commissioner to order payment(s) of restitution “when a person regulated under this code possesses or
controls, directly or indirectly, such fees, money, funds, or other property that belongs to, is due to, or is owed to another person.”
II. B - Cash Receipts Impact
None
II. C - Expenditures
No fiscal impact to the Administrative Office of the Courts as this bill does not affect current AOC or court processes.
Part III: Expenditure Detail
III. A - Expenditure By Object or Purpose (State)
NONE
III. B - Expenditure By Object or Purpose (County)
NONE
III. C - Expenditure By Object or Purpose (City)
NONE
III. D - FTE Detail
NONE
III. E - Expenditures By Program (optional)
NONE
Part IV: Capital Budget Impact
IV. A - Capital Budget Expenditures
NONE
IV. B1 - Expenditures by Object Or Purpose (State)
NONE
IV. B2 - Expenditures by Object Or Purpose (County)
NONE
IV. B3 - Expenditures by Object Or Purpose (City)
NONE
IV. C - Capital Budget Breakout
Acquisition and construction costs not reflected elsewhere on the fiscal note and description of potential financing methods.
NONE
None
199,219.00 Request # 074-1
Form FN (Rev 1/00) 2 Bill # 5331 SB
FNS061 Judicial Impact Fiscal Note
Individual State Agency Fiscal Note
Bill Number: 5331 SB Title: Insurance code violations Agency: 100-Office of Attorney
General
Part I: Estimates
No Fiscal Impact
Estimated Cash Receipts to:
ACCOUNT FY 2026 FY 2027 2025-27 2027-29 2029-31
Legal Services Revolving Account-State 20,000 29,000 49,000 58,000 58,000
405-1
Total $ 20,000 29,000 49,000 58,000 58,000
Estimated Operating Expenditures from:
FY 2026 FY 2027 2025-27 2027-29 2029-31
FTE Staff Years 0.3 0.3 0.3 0.3 0.3
Account
Legal Services Revolving 20,000 29,000 49,000 58,000 58,000
Account-State 405-1
Total $ 20,000 29,000 49,000 58,000 58,000
Estimated Capital Budget Impact:
NONE
The cash receipts and expenditure estimates on this page represent the most likely fiscal impact. Factors impacting the precision of these estimates,
and alternate ranges (if appropriate), are explained in Part II.
Check applicable boxes and follow corresponding instructions:
If fiscal impact is greater than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete entire fiscal note
form Parts I-V.
X If fiscal impact is less than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete this page only (Part I).
Capital budget impact, complete Part IV.
Requires new rule making, complete Part V.
Legislative Contact: John Kim Phone: 360-786-7453 Date: 01/22/2025
Agency Preparation: Chad Standifer Phone: 3605863650 Date: 01/23/2025
Agency Approval: Joe Zawislak Phone: 360-586-3003 Date: 01/23/2025
OFM Review: Rayanna Evans Phone: (360) 902-0553 Date: 01/28/2025
Form FN (Rev 1/00) 198,106.00 Request # 087-1
FNS063 Individual State Agency Fiscal Note 1 Bill # 5331 SB
Part II: Narrative Explanation
II. A - Brief Description Of What The Measure Does That Has Fiscal Impact
Significant provisions of the bill and any related workload or policy assumptions that have revenue or expenditure impact on the responding agency by
section number.
Section 1: Amending RCW 48.02.080. Providing that the Office of the Insurance Commissioner (OIC) may order the
payment of restitution, under certain circumstances, in connection with violations of the insurance code, OIC regulations, or
OIC orders. The restitution paid shall include eight percent interest and must be paid within 30 days of the OIC order.
Section 2: Amending RCW 48.05.185. Providing that OIC may, in addition to or in lieu of the suspension, revocation or
refusal of a certificate of authority, levy penalties upon insurers of not less than $250 and up to $10,000 per violation.
II. B - Cash receipts Impact
Cash receipts impact of the legislation on the responding agency with the cash receipts provisions identified by section number and when appropriate, the
detail of the revenue sources. Description of the factual basis of the assumptions and the method by which the cash receipts impact is derived. Explanation
of how workload assumptions translate into estimates. Distinguished between one time and ongoing functions.
Cash receipts are assumed to equal the Legal Services Revolving Account (LSRA) cost estimates. These will be billed
through the revolving account to the client agency.
The client agency is the Office of the Insurance Commissioner (OIC). The Attorney General’s Office (AGO) Government
Compliance & Enforcement Division (GCE) will bill for legal services rendered.
These cash receipts represent the AGO’s authority to bill and are not a direct appropriation to the AGO. The direct
appropriation is reflected in the client agency’s fiscal note. Appropriation authority is necessary in the AGO budget.
AGO AGENCY ASSUMPTIONS:
OIC will be billed for non-King County rates:
FY 2026: $20,000 for 0.1 Assistant Attorney General FTE (AAG) and 0.1 Paralegal 1 FTE (PL1)
FY 2027 and in each FY thereafter: $29,000 for 0.1 AAG and 0.1 PL1
II. C - Expenditures
Agency expenditures necessary to implement this legislation (or savings resulting from this legislation), with the provisions of the legislation that result in
the expenditures (or savings) identified by section number. Description of the factual basis of the assumptions and the method by which the expenditure
impact is derived. Explanation of how workload assumptions translate into cost estimates. Distinguished between one time and ongoing functions.
Attorney General’s Office (AGO) Agency Assumptions:
This bill is assumed effective 90 days after the end of the 2025 legislative session.
Location of staffing is assumed to be in a non-King County office building.
Total workload impact in this request includes standard assumption costs for goods & services, travel, and capital outlays
for all FTE identified.
Agency administration support FTE are included in the tables. The Management Analyst 5 FTE (MA) is used as a
representative classification. An example ratio is for every 1.0 Assistant Attorney General FTE (AAG), the AGO includes
0.5 Paralegal 1 FTE (PL1) and 0.4 MA.
1. Assumptions for the AGO Government Compliance & Enforcement Division (GCE) Legal Services for the Office of the
Insurance Commissioner (OIC):
Insurance code violations 100-Office of Attorney General
Form FN (Rev 1/00) 198,106.00 Request # 087-1
FNS063 Individual State Agency Fiscal Note 2 Bill # 5331 SB
The AGO will bill OIC for legal services based on the enactment of this bill.
GCE will provide legal advice and litigation support for OIC and will bill OIC for legal services based on the enactment of
this bill.
Section 1 of this bill amends RCW 48.02.080 to enable OIC to order the payment of restitution, under certain
circumstances, for violations of the insurance code, OIC regulations, and OIC orders.
Section 2 of HB 1199 amends RCW 48.05.185 to allow OIC to levy certain fines on insurers on a per violation basis. GCE
does not anticipate that this change will result in any increased legal services.
The authority to order payment of restitution would be new for OIC. OIC assumes that it would be ordered in some
appreciable number of cases. GCE does not handle the enforcement litigation for OIC until an order has been entered at the
agency level and a party has sought judicial review. Although GCE assumes that a restitution order would not drive
additional petitions for judicial review, GCE assumes that the failure of parties to pay ordered restitution would result in an
increase in order enforcement actions in superior court to collect the restitution.
GCE assumes that it would receive two additional order enforcement actions in FY 2026, and three additional actions each
year thereafter. GCE further assumes that each order enforcement action would utilize an average of 60 AAG hours to
litigate to completion. Therefore, GCE assumes that this bill would generate an increase workload of 120 (60 x 2) AAG
hours in FY 2026, and 180 (60 x 3) AAG hours beginning in FY 2027 and continuing each year thereafter.
Total non-King County workload impact:
FY 2026: $20,000 for 0.1 Assistant Attorney General FTE (AAG) and 0.1 Paralegal 1 FTE (PL1)
FY 2027 and in each FY thereafter: $29,000 for 0.1 AAG and 0.1 PL1
Part III: Expenditure Detail
III. A - Operating Budget Expenditures
Account Account Title Type FY 2026 FY 2027 2025-27 2027-29 2029-31
405-1 Legal Services State 20,000 29,000 49,000 58,000 58,000
Revolving Account
Total $ 20,000 29,000 49,000 58,000 58,000
III. B - Expenditures by Object Or Purpose
FY 2026 FY 2027 2025-27 2027-29 2029-31
FTE Staff Years 0.3 0.3 0.3 0.3 0.3
A-Salaries and Wages 14,000 20,000 34,000 40,000 40,000
B-Employee Benefits 4,000 6,000 10,000 12,000 12,000
E-Goods and Other Services 2,000 3,000 5,000 6,000 6,000
Total $ 20,000 29,000 49,000 58,000 58,000
III. C - Operating FTE Detail: List FTEs by classification and corresponding annual compensation. Totals need to agree with total FTEs in
Part I and Part IIIA
Job Classification Salary FY 2026 FY 2027 2025-27 2027-29 2029-31
Assistant Attorney General 132,912 0.1 0.1 0.1 0.1 0.1
Management Analyst 5 98,040 0.1 0.1 0.1 0.1 0.1
Paralegal 1 71,148 0.1 0.1 0.1 0.1 0.1
Total FTEs 0.3 0.3 0.3 0.3 0.3
III. D - Expenditures By Program (optional)
Program FY 2026 FY 2027 2025-27 2027-29 2029-31
Government Compliance & Enforcement 20,000 29,000 49,000 58,000 58,000
Division (GCE)
Total $ 20,000 29,000 49,000 58,000 58,000
Insurance code violations 100-Office of Attorney General
Form FN (Rev 1/00) 198,106.00 Request # 087-1
FNS063 Individual State Agency Fiscal Note 3 Bill # 5331 SB
Part IV: Capital Budget Impact
IV. A - Capital Budget Expenditures
NONE
IV. B - Expenditures by Object Or Purpose
NONE
IV. C - Capital Budget Breakout
Acquisition and construction costs not reflected elsewhere on the fiscal note and description of potential financing methods.
NONE
IV. D - Capital FTE Detail: FTEs listed by classification and corresponding annual compensation. Totals agree with total FTEs in Part IVB.
NONE
Part V: New Rule Making Required
Provisions of the bill that require the agency to adopt new administrative rules or repeal/revise existing rules.
Insurance code violations 100-Office of Attorney General
Form FN (Rev 1/00) 198,106.00 Request # 087-1
FNS063 Individual State Agency Fiscal Note 4 Bill # 5331 SB
Individual State Agency Fiscal Note
Bill Number: 5331 SB Title: Insurance code violations Agency: 160-Office of Insurance
Commissioner
Part I: Estimates
X No Fiscal Impact
Estimated Cash Receipts to:
NONE
Estimated Operating Expenditures from:
NONE
Estimated Capital Budget Impact:
NONE
The cash receipts and expenditure estimates on this page represent the most likely fiscal impact. Factors impacting the precision of these estimates,
and alternate ranges (if appropriate), are explained in Part II.
Check applicable boxes and follow corresponding instructions:
If fiscal impact is greater than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete entire fiscal note
form Parts I-V.
If fiscal impact is less than $50,000 per fiscal year in the current biennium or in subsequent biennia, complete this page only (Part I).
Capital budget impact, complete Part IV.
Requires new rule making, complete Part V.
Legislative Contact: John Kim Phone: 360-786-7453 Date: 01/22/2025
Agency Preparation: Tyler Langford Phone: 360-725-7173 Date: 01/29/2025
Agency Approval: Bryon Welch Phone: 360-725-7037 Date: 01/29/2025
OFM Review: Jason Brown Phone: (360) 742-7277 Date: 01/29/2025
Form FN (Rev 1/00) 198,073.00 Request # 25-35-1
FNS063 Individual State Agency Fiscal Note 1 Bill # 5331 SB
Part II: Narrative Explanation
II. A - Brief Description Of What The Measure Does That Has Fiscal Impact
Significant provisions of the bill and any related workload or policy assumptions that have revenue or expenditure impact on the responding agency by
section number.
Section 1 authorizes the OIC to order payment of restitution when a person regulated under the insurance code possesses
or controls, directly indirectly, such fees, money, funds, or other property that belongs to, is due to, or is owed to another
person.
The OIC currently issues revocation and consent orders against individuals and business entities regulated under Chapter
48.17 RCW. A portion of these enforcement actions involve circumstances where individuals and business entities possess
or control, directly or indirectly, such fees, money, funds, or other property that belong to, is due to, or is owed to another
person.
Because this bill adds restitution authority to the OIC’s already-existing enforcement action caseload, section 1 has no fiscal
impact.
Section 2 of the bill allows the OIC to assess per-violation fines against insurers, but the OIC does not anticipate an overall
change in how it determines the amount of fines levied against insurers, so section 2 will have no fiscal impact.
II. B - Cash receipts Impact
Cash receipts impact of the legislation on the responding agency with the cash receipts provisions identified by section number and when appropriate, the
detail of the revenue sources. Description of the factual basis of the assumptions and the method by which the cash receipts impact is derived. Explanation
of how workload assumptions translate into estimates. Distinguished between one time and ongoing functions.
NONE.
II. C - Expenditures
Agency expenditures necessary to implement this legislation (or savings resulting from this legislation), with the provisions of the legislation that result in
the expenditures (or savings) identified by section number. Description of the factual basis of the assumptions and the method by which the expenditure
impact is derived. Explanation of how workload assumptions translate into cost estimates. Distinguished between one time and ongoing functions.
NONE.
Part III: Expenditure Detail
III. A - Operating Budget Expenditures
NONE
III. B - Expenditures by Object Or Purpose
NONE
III. C - Operating FTE Detail: FTEs listed by classification and corresponding annual compensation. Totals agree with total FTEs in Part I
and Part IIIA.
NONE
III. D - Expenditures By Program (optional)
NONE
Part IV: Capital Budget Impact
IV. A - Capital Budget Expenditures
Insurance code violations 160-Office of Insurance Commissioner
Form FN (Rev 1/00) 198,073.00 Request # 25-35-1
FNS063 Individual State Agency Fiscal Note 2 Bill # 5331 SB
NONE
IV. B - Expenditures by Object Or Purpose
NONE
IV. C - Capital Budget Breakout
Acquisition and construction costs not reflected elsewhere on the fiscal note and description of potential financing methods.
NONE
IV. D - Capital FTE Detail: FTEs listed by classification and corresponding annual compensation. Totals agree with total FTEs in Part IVB.
NONE
NONE.
Part V: New Rule Making Required
Provisions of the bill that require the agency to adopt new administrative rules or repeal/revise existing rules.
Insurance code violations 160-Office of Insurance Commissioner
Form FN (Rev 1/00) 198,073.00 Request # 25-35-1
FNS063 Individual State Agency Fiscal Note 3 Bill # 5331 SB
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