HB103 Alabama 2014 Session

Updated Feb 26, 2026

Notable

Summary

Primary Sponsor: Howard Sanderford
Republican
Session: Regular Session 2014
Title: Insurance Department, licensing of insurance producers, title insurance agents, or independent adjusters, applicants, fingerprinting for criminal background check, provisions regarding transfer to National Association of Insurance Commissioners (NAIC's) deleted, Secs. 27-7-4.4, 27-9A-17, 27-25-4.6 am'd.
Summary: HB103 updates Alabama's licensing rules for insurance producers, title agents, and independent adjusters by mandating fingerprint-based background checks, removing the NAIC centralized fingerprint storage requirement, and creating an exception for limited lines producers.
What This Bill Does
The commissioner may require fingerprints for initial resident applicants for insurance producer licenses, title insurance agent licenses, and related license applications to perform state and national criminal history checks. The commissioner may contract with a fingerprinting vendor, and applicants must pay the contractor's fee plus the background check fee. If fingerprints are already on file with the NAIC, submission may be waived. The act also allows fingerprint records to be submitted to the NAIC for permanent retention in a centralized repository, with confidentiality protections and a provision for delayed enforcement up to 24 months after the act's effective date.

Who It Affects
Initial resident license applicants for insurance producers, title insurance agents, and independent adjusters will be fingerprinted and undergo criminal background checks; limited lines producers are exempt.
Business entities applying for licenses must provide fingerprints for executive officers, directors, and any individual owning 51% or more of the voting shares.

Key Provisions
Requires fingerprints for initial resident applicants for insurance producer licenses, title insurance agent licenses, and related license eligibility to perform state and national criminal history checks.
Criminal history checks use both the Alabama Department of Public Safety and the FBI.
Allows the commissioner to contract for collection, transmission, and resubmission of fingerprints; fees are payable by the applicant to the contractor.
Waives fingerprint submission if fingerprints are already on file with the NAIC central repository.
Allows the commissioner to submit electronic fingerprint records to the NAIC for permanent retention in a centralized repository.
Keeps fingerprints and criminal history information confidential and protected by security standards; records are not subject to subpoena except in criminal actions or investigations.
Provides for delayed enforcement of up to 24 months after the act takes effect.
Exempts limited lines producers from the fingerprinting requirement.

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 Department