HB460 Alabama 2012 Session

Updated Feb 27, 2026

Low Interest

Summary

Primary Sponsor: Mike Hill
Republican
Session: Regular Session 2012
Title: Insurance, title insurance agents, qualifications and procedures for licensing, written examination, continuing education requirements, Commissioner of Insurance promulgate rules, exceptions, Secs. 27-25-3, 27-25-4 am'd; Secs. 27-25-4.1, 27-25-4.2, 27-25-4.3, 27-25-4.4, 27-25-4.5, 27-25-4.6, 27-25-4.7, 27-25-4.8 added
Summary: HB460 updates Alabama law to require licensing, exams, background checks, and continuing education for title insurance agents, with new rules for insurers and a phased implementation.
What This Bill Does
It creates licensing requirements for title insurance agents, including age and residency rules, background checks, and appointment by a title insurer. It requires a 20-hour prelicensing course and a written exam, with specific exemptions. It mandates 24 hours of continuing education every two years, including 3 hours of ethics, and sets fees and governance for licensing, appointments, and renewals. It also authorizes the Insurance Commissioner to implement these changes, potentially via NAIC systems, and allows for delayed enforcement and transitional provisions.

Who It Affects
Individuals who want to become title insurance agents must meet age, residency, background check, prelicensing, and examination requirements.
Title insurers and other business entities that use title agents must appoint licensed agents, pay associated fees, and ensure their agents meet ongoing licensing and continuing education requirements.

Key Provisions
Provision 1: Establishes licensing and examination requirements for title insurance agents, including a 20-hour prelicensing course, a mandatory written examination, required background checks (fingerprinting), and the need for a certificate of authority and insurer appointment for agents.
Provision 2: Establishes continuing education and fee structures, requiring 24 hours of CE (3 hours ethics) every two years, outlines renewal and reinstatement procedures, sets various fees (e.g., application $20, license $40 for individuals; appointment $30 filing, $10 annual continuation), and provides for phased implementation and temporary licenses during transition.

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.
Subjects: Insurance