MD
Maryland House Bill HB355

Maryland 2023 Regular Session

Maryland House Bill HB355 Compare Versions

Only one version of the bill is available at this time.
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33 EXPLANATION: CAPITALS INDICATE MAT TER ADDED TO EXISTIN G LAW.
44 [Brackets] indicate matter deleted from existing law.
55 *hb0355*
66
77 HOUSE BILL 355
88 C4 3lr2812
99 HB 660/20 – ECM
1010 By: Delegate Bridges
1111 Introduced and read first time: January 26, 2023
1212 Assigned to: Economic Matters
1313
1414 A BILL ENTITLED
1515
1616 AN ACT concerning 1
1717
1818 Baltimore City Lifeline Low–Cost Automobile Insurance Program 2
1919
2020 FOR the purpose of establishing the Baltimore City Lifeline Low–Cost Automobile 3
2121 Insurance Program in the Maryland Automobile Insurance Fund to offer low–cost 4
2222 automobile insurance policies to residents of Baltimore City; requiring the Program, 5
2323 on receipt of a certain premium, to sell, issue, and deliver certain policies of 6
2424 automobile insurance to individuals who meet certain eligibility requirements; 7
2525 requiring the Program to offer certain applicants the option to purchase certain 8
2626 additional coverages; authorizing the Program to offer a certain alternative payment 9
2727 plan and impose a certain administrative processing fee; prohibiting policies from 10
2828 being premium–financed; requiring certain insurers to pay a certain annual fee to 11
2929 support certain Program public awareness efforts; requiring certain committees of 12
3030 the General Assembly to review annually certain expenditures for public awareness; 13
3131 and generally relating to the Baltimore City Lifeline Low–Cost Automobile 14
3232 Insurance Program. 15
3333
3434 BY repealing and reenacting, with amendments, 16
3535 Article – Insurance 17
3636 Section 20–301 18
3737 Annotated Code of Maryland 19
3838 (2017 Replacement Volume and 2022 Supplement) 20
3939
4040 BY adding to 21
4141 Article – Insurance 22
4242 Section 20–6A–01 through 20–6A–10 to be under the new subtitle “Subtitle 6A. 23
4343 Baltimore City Lifeline Low–Cost Automobile Insurance Program” 24
4444 Annotated Code of Maryland 25
4545 (2017 Replacement Volume and 2022 Supplement) 26
4646
4747 SECTION 1. BE IT ENACTED BY THE GENER AL ASSEMBLY OF MARYLAND, 27
4848 That the Laws of Maryland read as follows: 28 2 HOUSE BILL 355
4949
5050
5151
5252 Article – Insurance 1
5353
5454 20–301. 2
5555
5656 (a) The purpose of the Fund is to provide the financial security required under § 3
5757 17–103 of the Transportation Article to: 4
5858
5959 (1) those eligible persons that are unable to obtain it from an Association 5
6060 member; AND 6
6161
6262 (2) ELIGIBLE INDIVIDUALS UNDER THE BALTIMORE CITY LIFELINE 7
6363 LOW–COST AUTOMOBILE INSURANCE PROGRAM ESTABLISHED U NDER SUBTITLE 8
6464 6A OF THIS TITLE. 9
6565
6666 (b) Money of the Fund consists of revenues, premiums, and other receipts 10
6767 provided by law. 11
6868
6969 (c) (1) All operating expenses of the Fund shall be paid from the money 12
7070 collected by or for the Fund. 13
7171
7272 (2) (i) Subject to subparagraphs (ii) through (iv) of this paragraph, 14
7373 money and property available to the Fund may be used for the general purposes of the 15
7474 Fund. 16
7575
7676 (ii) Premiums collected and income accruing from those premiums 17
7777 may be used only for the payment of claims arising under policies issued by the Fund and 18
7878 for the administrative expenses of the Fund. 19
7979
8080 (iii) The Fund shall keep separate records of any income and 20
8181 expenses directly attributable to the Uninsured Division, including the processing and 21
8282 payment of unsatisfied claims under Subtitle 6 of this title. 22
8383
8484 (iv) The Fund shall keep separate records of any income and 23
8585 expenses directly attributable to its commercial policy and claims operations. 24
8686
8787 SUBTITLE 6A. BALTIMORE CITY LIFELINE LOW–COST AUTOMOBILE INSURANCE 25
8888 PROGRAM. 26
8989
9090 20–6A–01. 27
9191
9292 (A) IN THIS SUBTITLE THE FOLLOWING WORDS HAVE THE MEANINGS 28
9393 INDICATED. 29
9494
9595 (B) “POLICY” MEANS A LOW –COST AUTOMOBILE INSU RANCE POLICY 30
9696 ISSUED UNDER THIS SU BTITLE BY THE PROGRAM. 31 HOUSE BILL 355 3
9797
9898
9999
100100 (C) “PROGRAM” MEANS THE BALTIMORE CITY LIFELINE LOW–COST 1
101101 AUTOMOBILE INSURANCE PROGRAM. 2
102102
103103 20–6A–02. 3
104104
105105 (A) THERE IS A BALTIMORE CITY LIFELINE LOW–COST AUTOMOBILE 4
106106 INSURANCE PROGRAM. 5
107107
108108 (B) THE PURPOSE OF THE PROGRAM IS TO OFFER L OW–COST AUTOMOBILE 6
109109 INSURANCE POLICIES T O RESIDENTS OF BALTIMORE CITY IN ACCORDANCE WI TH 7
110110 THIS SUBTITLE. 8
111111
112112 (C) (1) THE PROGRAM IS PART OF TH E FUND. 9
113113
114114 (2) THE PROGRAM SHALL BE ADMINISTERED IN THE SAME MANNER 10
115115 AS THE FUND. 11
116116
117117 (D) THE PROGRAM SHALL BE DEVE LOPED IN CONSULTATIO N WITH THE 12
118118 ADMINISTRATION . 13
119119
120120 20–6A–03. 14
121121
122122 (A) ON RECEIPT OF THE PRE MIUM SET BY THE FUND, THE PROGRAM SHALL 15
123123 SELL, ISSUE, AND DELIVER A POLICY THAT PROVIDES THE SE CURITY REQUIRED 16
124124 UNDER § 17–103 OF THE TRANSPORTATION ARTICLE TO AN INDIVID UAL WHO MEETS 17
125125 THE REQUIREMENTS OF THIS SECTION. 18
126126
127127 (B) TO BE ELIGIBLE FOR A POLICY ISSUED UNDER THIS SUBTITLE, AN 19
128128 INDIVIDUAL: 20
129129
130130 (1) MUST OWN, LEASE, OR RENT A PRIMARY PL ACE OF RESIDEN CE IN 21
131131 BALTIMORE CITY, OR OTHERWISE DEMONST RATE THAT THE INDIVI DUAL’S 22
132132 PRIMARY PLACE OF RES IDENCE IS IN BALTIMORE CITY; 23
133133
134134 (2) MUST HAVE FILED AS A STATE RESIDENT FOR IN COME TAX 24
135135 PURPOSES, IF REQUIRED BY LAW ; 25
136136
137137 (3) MUST BE IN A HOUSEHO LD WITH A GROSS ANNU AL HOUSEHOLD 26
138138 INCOME THAT DOES NOT EXCEED 300% OF THE FEDERAL POVER TY LEVEL; 27
139139
140140 (4) MUST BE AT LEAST 19 YEARS OLD AND HAVE B EEN CONTINUOUSLY 28
141141 LICENSED TO DRIVE AN AUTOMOBILE FOR THE I MMEDIATELY PRECEDING 3 YEARS; 29 4 HOUSE BILL 355
142142
143143
144144
145145 (5) MAY HAVE ONE OF EITH ER OF THE FOLLOWING , BUT NOT MORE 1
146146 THAN ONE OF EITHER A ND NOT BOTH , WITHIN THE IMMEDIATE LY PRECEDING 3 2
147147 YEARS: 3
148148
149149 (I) A PROPERTY –DAMAGE–ONLY ACCIDENT IN WHI CH THE 4
150150 DRIVER WAS PRINCIPAL LY AT FAULT; OR 5
151151
152152 (II) A POINT FOR A MOVING VIOLATION; 6
153153
154154 (6) MAY NOT HAVE ON RECO RD WITHIN THE IMMEDIATELY 7
155155 PRECEDING 3 YEARS AN AT–FAULT ACCIDENT INVOL VING BODILY INJURY O R 8
156156 DEATH; AND 9
157157
158158 (7) MAY NOT HAVE A FELON Y OR MISDEMEANOR CON VICTION FOR A 10
159159 VIOLATION OF THE MOT OR VEHICLE LAWS OTHE R THAN FOR A VIOLATI ON OF § 11
160160 17–107 OF THE TRANSPORTATION ARTICLE. 12
161161
162162 (C) (1) THE ELIGIBILITY OF AN APPLICANT FOR INSURA NCE FROM THE 13
163163 PROGRAM SHALL BE CERT IFIED AT A TIME AND IN A MANNER APPROVED BY THE 14
164164 PROGRAM. 15
165165
166166 (2) (I) IN ESTABLISHING ACCEP TABLE METHODS THAT 16
167167 DEMONSTRATE THE ELIG IBILITY OF INDIVIDUALS UNDER SUBSECTION (B)(3) OF 17
168168 THIS SECTION, THE PROGRAM SHALL DETERMI NE METHODS THAT ARE THE LEAST 18
169169 CUMBERSOME METHODS A VAILABLE. 19
170170
171171 (II) TO BE ELIGIBLE TO REN EW A POLICY ISSUED U NDER THIS 20
172172 SUBTITLE, AN INDIVIDUAL SHALL DEMONSTRATE ELIGIBIL ITY UNDER SUBSECTION 21
173173 (B)(3) OF THIS SECTION AT L EAST ONCE EVERY 3 YEARS. 22
174174
175175 (D) AS SOON AS PRACTICABL E, THE PROGRAM SHALL ALLOW A N APPLICANT 23
176176 TO DEMONSTRATE ELIGI BILITY FOR THE PROGRAM AND PURCHASE A POLICY 24
177177 ISSUED BY THE PROGRAM ONLINE . 25
178178
179179 20–6A–04. 26
180180
181181 (A) EXCEPT AS OTHERWISE PROV IDED IN THIS SECTION , EACH POLICY 27
182182 ISSUED BY THE PROGRAM SHALL CONTAIN THE MINIMUM COVERAGE S REQUIRED 28
183183 UNDER TITLE 19, SUBTITLE 5 OF THIS ARTICLE. 29
184184
185185 (B) EACH POLICY ISSUED BY THE PROGRAM MAY PROVIDE C OVERAGE ONLY 30
186186 FOR AN AUTOMOBILE WI TH A VALUE OF $25,000 OR LESS AT THE TIME OF 31
187187 APPLICATION, AS EVIDENCED BY THE VALUE GIVEN TO THE A UTOMOBILE BY THE 32 HOUSE BILL 355 5
188188
189189
190190 MOTOR VEHICLE ADMINISTRATION IN ASS ESSING VEHICLE REGISTRATION FEES. 1
191191
192192 (C) (1) EXCEPT AS OTHERWISE P ROVIDED IN THIS SECT ION, EACH 2
193193 POLICY ISSUED BY THE PROGRAM MAY PROVIDE O NLY FOR: 3
194194
195195 (I) THE PAYMENT OF CLAIM S FOR BODILY INJURY OR DEATH 4
196196 ARISING FROM AN ACCI DENT OF UP TO $15,000 FOR ANY ONE PERSON A ND UP TO 5
197197 $30,000 FOR ANY TWO OR MORE PERSONS, IN ADDITION TO INTER EST AND COSTS; 6
198198 AND 7
199199
200200 (II) THE PAYMENT OF CLAIMS FO R PROPERTY OF OTHERS 8
201201 DAMAGED OR DESTROYED IN AN ACCIDENT OF UP TO $7,500 IN ADDITION TO 9
202202 INTEREST AND COSTS . 10
203203
204204 (2) NOTWITHSTANDING ANY O THER PROVISION OF TH IS ARTICLE, A 11
205205 POLICY ISSUED BY THE PROGRAM SHALL SATISFY THE MINIMUM SECURITY 12
206206 REQUIRED BY § 17–103 OF THE TRANSPORTATION ARTICLE. 13
207207
208208 (D) THE PROGRAM SHALL OFFER A N APPLICANT WHO PURC HASES A POLICY 14
209209 ISSUED BY THE PROGRAM THE OPTION TO PURCHASE THE FOLLOWI NG ADDITIONAL 15
210210 COVERAGES: 16
211211
212212 (1) UNINSURED MOTORIST C OVERAGE OR UNDERINSU RED MOTORIST 17
213213 COVERAGE; 18
214214
215215 (2) PERSONAL INJURY PROT ECTION COVERAGE ; OR 19
216216
217217 (3) ANY OTHER COVERAGE A PPROVED BY THE COMMISSIONER . 20
218218
219219 20–6A–05. 21
220220
221221 (A) (1) IN THIS SECTION THE F OLLOWING WORDS HAVE THE MEANINGS 22
222222 INDICATED. 23
223223
224224 (2) “LOSSES INCURRED ” MEANS CLAIMS PAID , CLAIMS INCURRED 24
225225 AND REPORTED , AND CLAIMS INCURRED BUT NOT YET REPORTED . 25
226226
227227 (3) “PREMIUM” MEANS THE ACTUAL AMO UNT CHARGED FOR A 26
228228 POLICY ISSUED BY THE PROGRAM. 27
229229
230230 (4) “RATE” MEANS THE AVERAGE PR EMIUM REQUIRED FOR E ACH 28
231231 INSURANCE COVERAGE U NDER A POLICY ISSUED BY THE PROGRAM. 29
232232 6 HOUSE BILL 355
233233
234234
235235 (B) SUBJECT TO THE APPROV AL OF THE COMMISSIONER , THE EXECUTIVE 1
236236 DIRECTOR SHALL DETERM INE THE PREMIUMS TO BE CHARGED ON POLICI ES ISSUED 2
237237 BY THE PROGRAM. 3
238238
239239 (C) (1) RATES CHARGED FOR POL ICIES ISSUED BY THE PROGRAM SHALL 4
240240 BE ADEQUATE TO COVER : 5
241241
242242 (I) LOSSES INCURRED FOR CLAIMS FILED UNDER T HE POLICY; 6
243243 AND 7
244244
245245 (II) PROGRAM EXPENSES INCU RRED BY THE PROGRAM TO 8
246246 PROVIDE THE POLICY , INCLUDING ALL REASON ABLE AND NECESSARY E XPENSES 9
247247 FOR THE COSTS OF ADM INISTRATION, UNDERWRITING , TAXES, COMMISSION, AND 10
248248 CLAIMS ADJUSTING . 11
249249
250250 (2) IN ASSESSING LOSS RES ERVES, THE COMMISSIONER SHALL 12
251251 ALLOW ONLY LOSS RESE RVES THAT ARE ESTIMA TED FROM ACTUAL CLAI M LOSSES 13
252252 UNDER POLICIES ISSUE D BY THE PROGRAM OR COMPARABLE DATA BY A LICENSED 14
253253 STATISTICAL AGENT , AS ADJUSTED TO REFLE CT COVERAGE PROVIDED UNDER 15
254254 POLICIES ISSUED BY T HE PROGRAM AND ELIGIBILI TY FACTORS REQUIRED TO 16
255255 PURCHASE POLICIES IS SUED BY THE PROGRAM. 17
256256
257257 (D) (1) IN DETERMINING THE PR EMIUMS FOR POLICIES ISSUED BY THE 18
258258 PROGRAM, THE PROGRAM MAY CHARGE A DIFFERE NT PREMIUM TO 19
259259 POLICYHOLDERS FOR DR IVERS UNDER THE AGE OF 25 YEARS THAN IS CHARGE D TO 20
260260 POLICYHOLDERS FOR DR IVERS AT LEAST 25 YEARS OLD, EXCEPT THAT THE 21
261261 PREMIUM CHARGED FOR DRIVERS UNDER THE AG E OF 25 YEARS MAY NOT BE MOR E 22
262262 THAN 25% HIGHER THAN THE PREMIUM CHA RGED FOR DRIVERS AT LEAST 25 YEARS 23
263263 OLD. 24
264264
265265 (2) NO OTHER RATING FACTO RS MAY BE USED TO DE TERMINE THE 25
266266 PREMIUMS OF POLICIES ISSUED BY THE PROGRAM. 26
267267
268268 (E) (1) THE PROGRAM SHALL FILE PR OPOSED RATES ANNUALL Y WITH 27
269269 THE COMMISSIONER . 28
270270
271271 (2) THE PROGRAM MAY NOT USE T HE PROPOSED RATES UN TIL THE 29
272272 COMMISSIONER APPROVES THE RATES. 30
273273
274274 (3) BEFORE TAKING ACTION ON THE PROPOSED RATE S FILED UNDER 31
275275 PARAGRAPH (1) OF THIS SUBSECTION , THE COMMISSIONER SHALL HO LD A PUBLIC 32
276276 HEARING TO REVIEW TH E PROPOSED RATES . 33
277277 HOUSE BILL 355 7
278278
279279
280280 20–6A–06. 1
281281
282282 (A) A POLICY ISSUED BY THE PROGRAM SHALL BE A 12–MONTH POLICY . 2
283283
284284 (B) THE PROGRAM MAY ACCEPT PR EMIUMS: 3
285285
286286 (1) AS PAID IN FULL; OR 4
287287
288288 (2) SUBJECT TO SUBSECTIO N (C) OF THIS SECTION , ON AN 5
289289 INSTALLMENT BASIS . 6
290290
291291 (C) (1) EXCEPT AS PROVIDED IN PARAGRAPH (2) OF THIS SUBSECTION , 7
292292 THE PROGRAM SHALL OFFER A N INSTALLMENT PAYMEN T PLAN THAT REQUIRES : 8
293293
294294 (I) AN INITIAL PREMIUM P AYMENT TO BE NOT LES S THAN 16% 9
295295 OF THE TOTAL ANNUAL PREMIUM; AND 10
296296
297297 (II) OF THE REMAINING PRE MIUM DUE, EQUAL AMOUNTS OF 11
298298 INSTALLMENT PAYME NTS DUE EACH MONTH B EGINNING IN THE THIR D MONTH OF 12
299299 THE POLICY PERIOD AN D ENDING IN THE TENT H MONTH OF THE POLIC Y PERIOD. 13
300300
301301 (2) THE PROGRAM MAY OFFER AN ALTERNATIVE PAYMENT PLAN TO 14
302302 THE PAYMENT PLAN SPE CIFIED UNDER PARAGRA PH (1) OF THIS SUBSECTION A S 15
303303 THE PROGRAM DETERMINES APP ROPRIATE. 16
304304
305305 (D) (1) (I) THE PROGRAM MAY IMPOSE AN ADMINISTRATIVE 17
306306 PROCESSING FEE ON PO LICYHOLDERS PARTICIP ATING IN AN INSTALLM ENT PLAN 18
307307 OF NOT MORE THAN $3 PER INSTALLMENT PAYM ENT. 19
308308
309309 (II) AN ADMINISTRATIVE PRO CESSING FEE MAY NOT BE 20
310310 CHARGED ON AN INITIA L PREMIUM PAYMENT . 21
311311
312312 (2) SUBJECT TO THE APPROV AL OF THE COMMISSIONER , THE 22
313313 ADMINISTRATIVE PROCE SSING FEE SHALL BE J USTIFIED BASED ON AC TUAL COSTS 23
314314 RELATED TO COLLECTIN G INSTALLMENT PAYMEN TS. 24
315315
316316 (E) (1) IN ACCORDANCE WITH PA RAGRAPH (2) OF THIS SUBSECTION , THE 25
317317 PROGRAM SHALL ACCEPT PAYMENTS FOR PREMIUM S USING THE FOLLOWIN G 26
318318 METHODS: 27
319319
320320 (I) CASH; 28
321321
322322 (II) CHECK; 29 8 HOUSE BILL 355
323323
324324
325325
326326 (III) MONEY ORDER ; 1
327327
328328 (IV) DEBIT CARD; 2
329329
330330 (V) CREDIT CARD; 3
331331
332332 (VI) PRODUCER SWEEP ACCOU NT; AND 4
333333
334334 (VII) ANY OTHER METHOD THE PROGRAM DETERMINES 5
335335 APPROPRIATE . 6
336336
337337 (2) ANY FEE ASSOCIATED WI TH A PAYMENT METHOD SHALL BE 7
338338 INCLUDED IN THE MAXI MUM ADMINISTRATIVE P ROCESSING FEE ALLOWA BLE 8
339339 UNDER SUBSECTION (D) OF THIS SECTION. 9
340340
341341 (F) POLICIES ISSUED BY TH E PROGRAM MAY NOT BE FI NANCED UNDER A 10
342342 PREMIUM FINANCE AGRE EMENT. 11
343343
344344 20–6A–07. 12
345345
346346 (A) A FUND PRODUCER MAY BIN D COVERAGE IN THE FUND FOR AN 13
347347 APPLICANT TO THE PROGRAM IF THE APPLIC ANT SUBMITS AN APPLI CATION TO THE 14
348348 FUND PRODUCER AND PAY S THE REQUIRED PREMI UM. 15
349349
350350 (B) A FUND PRODUCER SHALL P ROVIDE NOTICE TO AN APPLICANT FOR A 16
351351 POLICY UNDER THIS SU BTITLE ABOUT THE LIM ITATIONS UNDER THE P OLICY. 17
352352
353353 20–6A–08. 18
354354
355355 (A) THE PROGRAM MAY : 19
356356
357357 (1) SUBJECT TO SUBSECTIO N (B) OF THIS SECTION , REJECT AN 20
358358 APPLICATION FOR INSU RANCE IF THE APPLICA NT OWES TO THE PROGRAM AN 21
359359 UNPAID PREMIUM ON AN EXPIRE D OR CANCELED POLICY ; 22
360360
361361 (2) CANCEL A POLICY FOR NONPAYMENT OF PREMIU M AT ANY TIME 23
362362 AFTER A MINIMUM OF 10 CALENDAR DAYS ’ NOTICE OF NONPAYMENT ; 24
363363
364364 (3) REJECT AN APPLICATIO N FOR INSURANCE OR A T ANY TIME 25
365365 CANCEL A POLICY IF T HE DRIVER’S LICENSE OF THE APPLICAN T OR POLICYHOLDER 26
366366 IS SUSPENDED OR REVO KED; AND 27
367367 HOUSE BILL 355 9
368368
369369
370370 (4) NONRENEW A POLICY IF THE INSURED FAILS TO MEET THE 1
371371 ELIGIBILITY REQUIREM ENTS UNDER § 20–6A–03 OF THIS SUBTITLE. 2
372372
373373 (B) (1) IF THE PROGRAM REJECTS AN AP PLICATION UNDER SUBS ECTION 3
374374 (A)(1) OF THIS SECTION, THE PROGRAM SHALL : 4
375375
376376 (I) NOTIFY THE APPLICANT OF THE AMOUNT OF THE UNPAID 5
377377 PREMIUM; AND 6
378378
379379 (II) ALLOW THE APPLICANT TO CURE THE DEFICIEN CY. 7
380380
381381 (2) IF THE APPLICANT CURE S THE DEFICIENCY , THE PROGRAM MAY 8
382382 NOT REJECT THE APPLI CANT IF THE APPLICANT IS OTHERWISE ELIGIBLE. 9
383383
384384 20–6A–09. 10
385385
386386 (A) ALL INSURERS LICENSED TO WRITE MOTOR VEHIC LE LIABILITY 11
387387 INSURANCE OR MOTOR V EHICLE PHYSICAL DAMA GE INSURANCE IN THE STATE 12
388388 SHALL PAY AN ANNUAL FEE OF 10 CENTS PER VEHICLE INSURED BY THE INSURER 13
389389 TO SUPPORT THE PROGRAM’S MARKETING , OUTREACH, AND OTHER PUBLIC 14
390390 EDUCATION EFFORTS RE QUIRED TO RAISE PUBL IC AWARENESS OF THE PROGRAM. 15
391391
392392 (B) THE HOUSE ECONOMIC MATTERS COMMITTEE AND THE SENATE 16
393393 FINANCE COMMITTEE SHALL REVIE W ANNUALLY THE PUBLIC AWARENESS 17
394394 EXPENDITURES INCURRE D BY THE PROGRAM UNDER SUBSECT ION (A) OF THIS 18
395395 SECTION. 19
396396
397397 20–6A–10. 20
398398
399399 THE BOARD OF TRUSTEES, IN CONSULTATION WITH THE ADMINISTRATION , 21
400400 SHALL ADOPT REGULATI ONS TO CARRY OUT THI S SUBTITLE, INCLUDING 22
401401 REGULATIONS THAT RELATE TO PROCE DURES FOR THE CANCEL LATION AND 23
402402 NONRENEWAL OF POLICI ES ISSUED UNDER THIS SUBTITLE. 24
403403
404404 SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take effect 25
405405 October 1, 2023. 26
406406
407407