Indiana 2025 Regular Session

Indiana Senate Bill SB0111 Compare Versions

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1-*SB0111.2*
2-Reprinted
3-January 29, 2025
1+*SB0111.1*
2+January 17, 2025
43 SENATE BILL No. 111
54 _____
6-DIGEST OF SB 111 (Updated January 28, 2025 2:32 pm - DI 154)
5+DIGEST OF SB 111 (Updated January 15, 2025 11:38 am - DI 140)
76 Citations Affected: IC 27-4; IC 27-8.
87 Synopsis: Coverage for living organ donors. Prohibits an insurer that
98 issues a policy of life insurance, disability insurance, or long term care
109 insurance from taking certain actions with respect to the coverage of
1110 individuals who are living organ donors. Specifies that certain actions
1211 constitute an unfair and deceptive act and practice in the business of
1312 insurance when taken against a living organ donor by an insurer.
1413 Effective: July 1, 2025.
15- Charbonneau, Baldwin, Hunley,
16-Yoder, Jackson L, Ford J.D., Bohacek,
17-Randolph Lonnie M, Becker,
18-Niezgodski, Pol Jr., Qaddoura,
19-Taylor G, Spencer, Walker K
14+Hunley, Baldwin, Walker K, Yoder,
15+Jackson L, Ford J.D., Bohacek,
16+Randolph Lonnie M
2017 January 8, 2025, read first time and referred to Committee on Insurance and Financial
2118 Institutions.
2219 January 16, 2025, reported favorably — Do Pass.
23-January 21, 2025, read second time, ordered engrossed. Engrossed.
24-January 23, 2025, returned to second reading.
25-January 28, 2025, re-read second time, amended, ordered engrossed.
26-SB 111—LS 6295/DI 154 Reprinted
27-January 29, 2025
20+SB 111—LS 6295/DI 154 January 17, 2025
2821 First Regular Session of the 124th General Assembly (2025)
2922 PRINTING CODE. Amendments: Whenever an existing statute (or a section of the Indiana
3023 Constitution) is being amended, the text of the existing provision will appear in this style type,
3124 additions will appear in this style type, and deletions will appear in this style type.
3225 Additions: Whenever a new statutory provision is being enacted (or a new constitutional
3326 provision adopted), the text of the new provision will appear in this style type. Also, the
3427 word NEW will appear in that style type in the introductory clause of each SECTION that adds
3528 a new provision to the Indiana Code or the Indiana Constitution.
3629 Conflict reconciliation: Text in a statute in this style type or this style type reconciles conflicts
3730 between statutes enacted by the 2024 Regular Session of the General Assembly.
3831 SENATE BILL No. 111
3932 A BILL FOR AN ACT to amend the Indiana Code concerning
4033 insurance.
4134 Be it enacted by the General Assembly of the State of Indiana:
4235 1 SECTION 1. IC 27-4-1-4, AS AMENDED BY P.L.158-2024,
4336 2 SECTION 19, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
4437 3 JULY 1, 2025]: Sec. 4. (a) The following are hereby defined as unfair
4538 4 methods of competition and unfair and deceptive acts and practices in
4639 5 the business of insurance:
4740 6 (1) Making, issuing, circulating, or causing to be made, issued, or
4841 7 circulated, any estimate, illustration, circular, or statement:
4942 8 (A) misrepresenting the terms of any policy issued or to be
5043 9 issued or the benefits or advantages promised thereby or the
5144 10 dividends or share of the surplus to be received thereon;
5245 11 (B) making any false or misleading statement as to the
5346 12 dividends or share of surplus previously paid on similar
5447 13 policies;
5548 14 (C) making any misleading representation or any
5649 15 misrepresentation as to the financial condition of any insurer,
5750 16 or as to the legal reserve system upon which any life insurer
5851 17 operates;
5952 SB 111—LS 6295/DI 154 2
6053 1 (D) using any name or title of any policy or class of policies
6154 2 misrepresenting the true nature thereof; or
6255 3 (E) making any misrepresentation to any policyholder insured
6356 4 in any company for the purpose of inducing or tending to
6457 5 induce such policyholder to lapse, forfeit, or surrender the
6558 6 policyholder's insurance.
6659 7 (2) Making, publishing, disseminating, circulating, or placing
6760 8 before the public, or causing, directly or indirectly, to be made,
6861 9 published, disseminated, circulated, or placed before the public,
6962 10 in a newspaper, magazine, or other publication, or in the form of
7063 11 a notice, circular, pamphlet, letter, or poster, or over any radio or
7164 12 television station, or in any other way, an advertisement,
7265 13 announcement, or statement containing any assertion,
7366 14 representation, or statement with respect to any person in the
7467 15 conduct of the person's insurance business, which is untrue,
7568 16 deceptive, or misleading.
7669 17 (3) Making, publishing, disseminating, or circulating, directly or
7770 18 indirectly, or aiding, abetting, or encouraging the making,
7871 19 publishing, disseminating, or circulating of any oral or written
7972 20 statement or any pamphlet, circular, article, or literature which is
8073 21 false, or maliciously critical of or derogatory to the financial
8174 22 condition of an insurer, and which is calculated to injure any
8275 23 person engaged in the business of insurance.
8376 24 (4) Entering into any agreement to commit, or individually or by
8477 25 a concerted action committing any act of boycott, coercion, or
8578 26 intimidation resulting or tending to result in unreasonable
8679 27 restraint of, or a monopoly in, the business of insurance.
8780 28 (5) Filing with any supervisory or other public official, or making,
8881 29 publishing, disseminating, circulating, or delivering to any person,
8982 30 or placing before the public, or causing directly or indirectly, to
9083 31 be made, published, disseminated, circulated, delivered to any
9184 32 person, or placed before the public, any false statement of
9285 33 financial condition of an insurer with intent to deceive. Making
9386 34 any false entry in any book, report, or statement of any insurer
9487 35 with intent to deceive any agent or examiner lawfully appointed
9588 36 to examine into its condition or into any of its affairs, or any
9689 37 public official to which such insurer is required by law to report,
9790 38 or which has authority by law to examine into its condition or into
9891 39 any of its affairs, or, with like intent, willfully omitting to make a
9992 40 true entry of any material fact pertaining to the business of such
10093 41 insurer in any book, report, or statement of such insurer.
10194 42 (6) Issuing or delivering or permitting agents, officers, or
10295 SB 111—LS 6295/DI 154 3
10396 1 employees to issue or deliver, agency company stock or other
10497 2 capital stock, or benefit certificates or shares in any common law
10598 3 corporation, or securities or any special or advisory board
10699 4 contracts or other contracts of any kind promising returns and
107100 5 profits as an inducement to insurance.
108101 6 (7) Making or permitting any of the following:
109102 7 (A) Unfair discrimination between individuals of the same
110103 8 class and equal expectation of life in the rates or assessments
111104 9 charged for any contract of life insurance or of life annuity or
112105 10 in the dividends or other benefits payable thereon, or in any
113106 11 other of the terms and conditions of such contract. However,
114107 12 in determining the class, consideration may be given to the
115108 13 nature of the risk, plan of insurance, the actual or expected
116109 14 expense of conducting the business, or any other relevant
117110 15 factor.
118111 16 (B) Unfair discrimination between individuals of the same
119112 17 class involving essentially the same hazards in the amount of
120113 18 premium, policy fees, assessments, or rates charged or made
121114 19 for any policy or contract of accident or health insurance or in
122115 20 the benefits payable thereunder, or in any of the terms or
123116 21 conditions of such contract, or in any other manner whatever.
124117 22 However, in determining the class, consideration may be given
125118 23 to the nature of the risk, the plan of insurance, the actual or
126119 24 expected expense of conducting the business, or any other
127120 25 relevant factor.
128121 26 (C) Excessive or inadequate charges for premiums, policy
129122 27 fees, assessments, or rates, or making or permitting any unfair
130123 28 discrimination between persons of the same class involving
131124 29 essentially the same hazards, in the amount of premiums,
132125 30 policy fees, assessments, or rates charged or made for:
133126 31 (i) policies or contracts of reinsurance or joint reinsurance,
134127 32 or abstract and title insurance;
135128 33 (ii) policies or contracts of insurance against loss or damage
136129 34 to aircraft, or against liability arising out of the ownership,
137130 35 maintenance, or use of any aircraft, or of vessels or craft,
138131 36 their cargoes, marine builders' risks, marine protection and
139132 37 indemnity, or other risks commonly insured under marine,
140133 38 as distinguished from inland marine, insurance; or
141134 39 (iii) policies or contracts of any other kind or kinds of
142135 40 insurance whatsoever.
143136 41 However, nothing contained in clause (C) shall be construed to
144137 42 apply to any of the kinds of insurance referred to in clauses (A)
145138 SB 111—LS 6295/DI 154 4
146139 1 and (B) nor to reinsurance in relation to such kinds of insurance.
147140 2 Nothing in clause (A), (B), or (C) shall be construed as making or
148141 3 permitting any excessive, inadequate, or unfairly discriminatory
149142 4 charge or rate or any charge or rate determined by the department
150143 5 or commissioner to meet the requirements of any other insurance
151144 6 rate regulatory law of this state.
152145 7 (8) Except as otherwise expressly provided by IC 27-1-47 or
153146 8 another law, knowingly permitting or offering to make or making
154147 9 any contract or policy of insurance of any kind or kinds
155148 10 whatsoever, including but not in limitation, life annuities, or
156149 11 agreement as to such contract or policy other than as plainly
157150 12 expressed in such contract or policy issued thereon, or paying or
158151 13 allowing, or giving or offering to pay, allow, or give, directly or
159152 14 indirectly, as inducement to such insurance, or annuity, any rebate
160153 15 of premiums payable on the contract, or any special favor or
161154 16 advantage in the dividends, savings, or other benefits thereon, or
162155 17 any valuable consideration or inducement whatever not specified
163156 18 in the contract or policy; or giving, or selling, or purchasing or
164157 19 offering to give, sell, or purchase as inducement to such insurance
165158 20 or annuity or in connection therewith, any stocks, bonds, or other
166159 21 securities of any insurance company or other corporation,
167160 22 association, limited liability company, or partnership, or any
168161 23 dividends, savings, or profits accrued thereon, or anything of
169162 24 value whatsoever not specified in the contract. Nothing in this
170163 25 subdivision and subdivision (7) shall be construed as including
171164 26 within the definition of discrimination or rebates any of the
172165 27 following practices:
173166 28 (A) Paying bonuses to policyholders or otherwise abating their
174167 29 premiums in whole or in part out of surplus accumulated from
175168 30 nonparticipating insurance, so long as any such bonuses or
176169 31 abatement of premiums are fair and equitable to policyholders
177170 32 and for the best interests of the company and its policyholders.
178171 33 (B) In the case of life insurance policies issued on the
179172 34 industrial debit plan, making allowance to policyholders who
180173 35 have continuously for a specified period made premium
181174 36 payments directly to an office of the insurer in an amount
182175 37 which fairly represents the saving in collection expense.
183176 38 (C) Readjustment of the rate of premium for a group insurance
184177 39 policy based on the loss or expense experience thereunder, at
185178 40 the end of the first year or of any subsequent year of insurance
186179 41 thereunder, which may be made retroactive only for such
187180 42 policy year.
188181 SB 111—LS 6295/DI 154 5
189182 1 (D) Paying by an insurer or insurance producer thereof duly
190183 2 licensed as such under the laws of this state of money,
191184 3 commission, or brokerage, or giving or allowing by an insurer
192185 4 or such licensed insurance producer thereof anything of value,
193186 5 for or on account of the solicitation or negotiation of policies
194187 6 or other contracts of any kind or kinds, to a broker, an
195188 7 insurance producer, or a solicitor duly licensed under the laws
196189 8 of this state, but such broker, insurance producer, or solicitor
197190 9 receiving such consideration shall not pay, give, or allow
198191 10 credit for such consideration as received in whole or in part,
199192 11 directly or indirectly, to the insured by way of rebate.
200193 12 (9) Requiring, as a condition precedent to loaning money upon the
201194 13 security of a mortgage upon real property, that the owner of the
202195 14 property to whom the money is to be loaned negotiate any policy
203196 15 of insurance covering such real property through a particular
204197 16 insurance producer or broker or brokers. However, this
205198 17 subdivision shall not prevent the exercise by any lender of the
206199 18 lender's right to approve or disapprove of the insurance company
207200 19 selected by the borrower to underwrite the insurance.
208201 20 (10) Entering into any contract, combination in the form of a trust
209202 21 or otherwise, or conspiracy in restraint of commerce in the
210203 22 business of insurance.
211204 23 (11) Monopolizing or attempting to monopolize or combining or
212205 24 conspiring with any other person or persons to monopolize any
213206 25 part of commerce in the business of insurance. However,
214207 26 participation as a member, director, or officer in the activities of
215208 27 any nonprofit organization of insurance producers or other
216209 28 workers in the insurance business shall not be interpreted, in
217210 29 itself, to constitute a combination in restraint of trade or as
218211 30 combining to create a monopoly as provided in this subdivision
219212 31 and subdivision (10). The enumeration in this chapter of specific
220213 32 unfair methods of competition and unfair or deceptive acts and
221214 33 practices in the business of insurance is not exclusive or
222215 34 restrictive or intended to limit the powers of the commissioner or
223216 35 department or of any court of review under section 8 of this
224217 36 chapter.
225218 37 (12) Requiring as a condition precedent to the sale of real or
226219 38 personal property under any contract of sale, conditional sales
227220 39 contract, or other similar instrument or upon the security of a
228221 40 chattel mortgage, that the buyer of such property negotiate any
229222 41 policy of insurance covering such property through a particular
230223 42 insurance company, insurance producer, or broker or brokers.
231224 SB 111—LS 6295/DI 154 6
232225 1 However, this subdivision shall not prevent the exercise by any
233226 2 seller of such property or the one making a loan thereon of the
234227 3 right to approve or disapprove of the insurance company selected
235228 4 by the buyer to underwrite the insurance.
236229 5 (13) Issuing, offering, or participating in a plan to issue or offer,
237230 6 any policy or certificate of insurance of any kind or character as
238231 7 an inducement to the purchase of any property, real, personal, or
239232 8 mixed, or services of any kind, where a charge to the insured is
240233 9 not made for and on account of such policy or certificate of
241234 10 insurance. However, this subdivision shall not apply to any of the
242235 11 following:
243236 12 (A) Insurance issued to credit unions or members of credit
244237 13 unions in connection with the purchase of shares in such credit
245238 14 unions.
246239 15 (B) Insurance employed as a means of guaranteeing the
247240 16 performance of goods and designed to benefit the purchasers
248241 17 or users of such goods.
249242 18 (C) Title insurance.
250243 19 (D) Insurance written in connection with an indebtedness and
251244 20 intended as a means of repaying such indebtedness in the
252245 21 event of the death or disability of the insured.
253246 22 (E) Insurance provided by or through motorists service clubs
254247 23 or associations.
255248 24 (F) Insurance that is provided to the purchaser or holder of an
256249 25 air transportation ticket and that:
257250 26 (i) insures against death or nonfatal injury that occurs during
258251 27 the flight to which the ticket relates;
259252 28 (ii) insures against personal injury or property damage that
260253 29 occurs during travel to or from the airport in a common
261254 30 carrier immediately before or after the flight;
262255 31 (iii) insures against baggage loss during the flight to which
263256 32 the ticket relates; or
264257 33 (iv) insures against a flight cancellation to which the ticket
265258 34 relates.
266259 35 (14) Refusing, because of the for-profit status of a hospital or
267260 36 medical facility, to make payments otherwise required to be made
268261 37 under a contract or policy of insurance for charges incurred by an
269262 38 insured in such a for-profit hospital or other for-profit medical
270263 39 facility licensed by the Indiana department of health.
271264 40 (15) Refusing to insure an individual, refusing to continue to issue
272265 41 insurance to an individual, limiting the amount, extent, or kind of
273266 42 coverage available to an individual, or charging an individual a
274267 SB 111—LS 6295/DI 154 7
275268 1 different rate for the same coverage, solely because of that
276269 2 individual's blindness or partial blindness, except where the
277270 3 refusal, limitation, or rate differential is based on sound actuarial
278271 4 principles or is related to actual or reasonably anticipated
279272 5 experience.
280273 6 (16) Committing or performing, with such frequency as to
281274 7 indicate a general practice, unfair claim settlement practices (as
282275 8 defined in section 4.5 of this chapter).
283276 9 (17) Between policy renewal dates, unilaterally canceling an
284277 10 individual's coverage under an individual or group health
285278 11 insurance policy solely because of the individual's medical or
286279 12 physical condition.
287280 13 (18) Using a policy form or rider that would permit a cancellation
288281 14 of coverage as described in subdivision (17).
289282 15 (19) Violating IC 27-1-22-25, IC 27-1-22-26, or IC 27-1-22-26.1
290283 16 concerning motor vehicle insurance rates.
291284 17 (20) Violating IC 27-8-21-2 concerning advertisements referring
292285 18 to interest rate guarantees.
293286 19 (21) Violating IC 27-8-24.3 concerning insurance and health plan
294287 20 coverage for victims of abuse.
295288 21 (22) Violating IC 27-8-26 concerning genetic screening or testing.
296289 22 (23) Violating IC 27-1-15.6-3(b) concerning licensure of
297290 23 insurance producers.
298291 24 (24) Violating IC 27-1-38 concerning depository institutions.
299292 25 (25) Violating IC 27-8-28-17(c) or IC 27-13-10-8(c) concerning
300293 26 the resolution of an appealed grievance decision.
301294 27 (26) Violating IC 27-8-5-2.5(e) through IC 27-8-5-2.5(j) (expired
302295 28 July 1, 2007, and removed) or IC 27-8-5-19.2 (expired July 1,
303296 29 2007, and repealed).
304297 30 (27) Violating IC 27-2-21 concerning use of credit information.
305298 31 (28) Violating IC 27-4-9-3 concerning recommendations to
306299 32 consumers.
307300 33 (29) Engaging in dishonest or predatory insurance practices in
308301 34 marketing or sales of insurance to members of the United States
309302 35 Armed Forces as:
310303 36 (A) described in the federal Military Personnel Financial
311304 37 Services Protection Act, P.L.109-290; or
312305 38 (B) defined in rules adopted under subsection (b).
313306 39 (30) Violating IC 27-8-19.8-20.1 concerning stranger originated
314307 40 life insurance.
315308 41 (31) Violating IC 27-2-22 concerning retained asset accounts.
316309 42 (32) Violating IC 27-8-5-29 concerning health plans offered
317310 SB 111—LS 6295/DI 154 8
318311 1 through a health benefit exchange (as defined in IC 27-19-2-8).
319312 2 (33) Violating a requirement of the federal Patient Protection and
320313 3 Affordable Care Act (P.L. 111-148), as amended by the federal
321314 4 Health Care and Education Reconciliation Act of 2010 (P.L.
322315 5 111-152), that is enforceable by the state.
323316 6 (34) After June 30, 2015, violating IC 27-2-23 concerning
324317 7 unclaimed life insurance, annuity, or retained asset account
325318 8 benefits.
326319 9 (35) Willfully violating IC 27-1-12-46 concerning a life insurance
327320 10 policy or certificate described in IC 27-1-12-46(a).
328321 11 (36) Violating IC 27-1-37-7 concerning prohibiting the disclosure
329322 12 of health care service claims data.
330323 13 (37) Violating IC 27-4-10-10 concerning virtual claims payments.
331324 14 (38) Violating IC 27-1-24.5 concerning pharmacy benefit
332325 15 managers.
333326 16 (39) Violating IC 27-7-17-16 or IC 27-7-17-17 concerning the
334327 17 marketing of travel insurance policies.
335328 18 (40) Violating IC 27-1-49 concerning individual prescription drug
336329 19 rebates.
337330 20 (41) Violating IC 27-1-50 concerning group prescription drug
338331 21 rebates.
339332 22 (42) Violating IC 27-8-36 concerning living organ donor
340333 23 insurance coverage and organ donation.
341334 24 (b) Except with respect to federal insurance programs under
342335 25 Subchapter III of Chapter 19 of Title 38 of the United States Code, the
343336 26 commissioner may, consistent with the federal Military Personnel
344337 27 Financial Services Protection Act (10 U.S.C. 992 note), adopt rules
345338 28 under IC 4-22-2 to:
346339 29 (1) define; and
347340 30 (2) while the members are on a United States military installation
348341 31 or elsewhere in Indiana, protect members of the United States
349342 32 Armed Forces from;
350343 33 dishonest or predatory insurance practices.
351344 34 SECTION 2. IC 27-8-36 IS ADDED TO THE INDIANA CODE AS
352345 35 A NEW CHAPTER TO READ AS FOLLOWS [EFFECTIVE JULY
353346 36 1, 2025]:
354347 37 Chapter 36. Coverage for Living Organ Donors
355348 38 Sec. 1. As used in this chapter, "individual" means a natural
356349 39 person.
357350 40 Sec. 2. As used in this chapter, "insurance policy" means:
358351 41 (1) a policy of life insurance or disability insurance described
359352 42 in Class 1 of IC 27-1-5-1; and
360353 SB 111—LS 6295/DI 154 9
361354 1 (2) a long term care insurance policy (as defined in
362355 2 IC 27-8-12-5).
363356 3 Sec. 3. As used in this chapter, "insurer" means an insurance
364357 4 company that issues an insurance policy.
365358 5 Sec. 4. As used in this chapter, "living organ donor" means an
366359 6 individual who:
367-7 (1) has donated all or part of an organ; and
368-8 (2) is not deceased.
369-9 Sec. 5. As used in this chapter, "organ" means a human:
370-10 (1) kidney;
371-11 (2) liver; or
372-12 (3) lung.
373-13 Sec. 6. An insurer may not do any of the following:
374-14 (1) Decline or limit coverage of an individual under an
375-15 insurance policy solely because the individual is a living organ
376-16 donor.
377-17 (2) Preclude an insured individual from donating all or part
378-18 of an organ as a condition of receiving or continuing to
379-19 receive an insurance policy.
380-20 (3) Discriminate in the offering, issuance, cancellation,
381-21 amount of coverage, price, or any other condition of an
382-22 insurance policy for an individual based solely, and without
383-23 any additional actuarial risks, upon the status of the
384-24 individual as a living organ donor.
385-25 Sec. 7. An insurer who violates this chapter commits an unfair
386-26 and deceptive act and practice in the business of insurance under
387-27 IC 27-4-1-4.
360+7 (1) intends to donate; or
361+8 (2) has donated;
362+9 all or part of an organ and is not deceased.
363+10 Sec. 5. An insurer may not do any of the following:
364+11 (1) Decline or limit coverage of an individual under an
365+12 insurance policy solely because the individual is a living organ
366+13 donor.
367+14 (2) Preclude an insured individual from donating all or part
368+15 of an organ as a condition of receiving or continuing to
369+16 receive an insurance policy.
370+17 (3) Discriminate in the offering, issuance, cancellation,
371+18 amount of coverage, price, or any other condition of an
372+19 insurance policy for an individual based solely, and without
373+20 any additional actuarial risks, upon the status of the
374+21 individual as a living organ donor.
375+22 Sec. 6. An insurer who violates this chapter commits an unfair
376+23 and deceptive act and practice in the business of insurance under
377+24 IC 27-4-1-4.
388378 SB 111—LS 6295/DI 154 10
389379 COMMITTEE REPORT
390380 Mr. President: The Senate Committee on Insurance and Financial
391381 Institutions, to which was referred Senate Bill No. 111, has had the
392382 same under consideration and begs leave to report the same back to the
393383 Senate with the recommendation that said bill DO PASS.
394384 (Reference is to SB 111 as introduced.)
395385
396386 BALDWIN, Chairperson
397387 Committee Vote: Yeas 6, Nays 2
398-_____
399-SENATE MOTION
400-Mr. President: I move that Engrossed Senate Bill 111, which is
401-eligible for third reading, be returned to second reading for purposes of
402-amendment.
403-HUNLEY
404-_____
405-SENATE MOTION
406-Mr. President: I move that Senate Bill 111 be amended to read as
407-follows:
408-Page 9, between lines 4 and 5, begin a new paragraph and insert:
409-"Sec. 4. As used in this chapter, "living organ donor" means an
410-individual who:
411-(1) has donated all or part of an organ; and
412-(2) is not deceased.".
413-Page 9, delete lines 5 through 9.
414-Page 9, between lines 9 and 10, begin a new paragraph and insert:
415-"Sec. 5. As used in this chapter, "organ" means a human:
416-(1) kidney;
417-(2) liver; or
418-(3) lung.".
419-Page 9, line 10, delete "Sec. 5." and insert "Sec. 6.".
420-Page 9, line 22, delete "Sec. 6." and insert "Sec. 7.".
421-(Reference is to SB 111 as printed January 17, 2025.)
422-JOHNSON T
423388 SB 111—LS 6295/DI 154