California AB 2198: Electrical restructuring.

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 Bill Text - AB-2198 Title insurance.

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 |Add To My Favorites |Track Bill | Version: 04/09/26 - Amended Assembly
 02/19/26 - Introduced

 AB-2198 Title insurance.(2025-2026)

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 Date Published: 04/09/2026 09:00 PM

AB2198:v98#DOCUMENTBill Start

 Amended
 IN 
 Assembly
 April 09, 2026

 CALIFORNIA LEGISLATURE—
 2025–2026 REGULAR SESSION

 Assembly Bill

No. 2198

Introduced by Assembly Member Michelle Rodriguez

February 19, 2026

 An act to amend Section 12401.7 of Sections 12401.1 and 12401.7 of, and to repeal and add Section 12401.9 of, the Insurance Code, relating to insurance. 

LEGISLATIVE COUNSEL'S DIGEST

AB 2198, as amended, Michelle Rodriguez.
 Title insurance.

Existing law requires a title insurer, underwritten title company, or controlled escrow company to file with the Insurance Commissioner its schedules of rates, all regularly issued forms of title policies to which those rates apply, and every modification to those forms and title policies that it proposes to use in this state. Existing law requires the filings to include the effective date and the character and extent of coverages and services contemplated. Existing law prohibits a title insurer, underwritten title company, or controlled escrow company from using a rate prior to the effective date or prior to having the filing publicly displayed for less than 30 days in the office of the company in the county to where the rate applies. Existing law requires the schedule of rates to be printed or typed in
 type not smaller than 10 point, and requires that full copies are kept at all times available to the public and prominently displayed in a public place in every office of a title insurer, an underwritten title company, and a controlled escrow company in the county where the rates apply.

This bill would require only a title insurer to file with the commissioner its schedules of rates, all regularly issued forms of title policies to which those rates apply, and every modification to those forms and title policies that it proposes to use in this state. The bill would require a title insurer to also file its schedule of escrow rates if the title insurer conducts escrow services. The bill would additionally modify the documents controlled escrow companies and underwritten title companies are required to file. The bill would authorize the commissioner to object to a new or modified rate and prohibit that rate from becoming effective unless the commissioner’s objection is
 resolved.

The bill would remove the requirement that the schedule of rates be printed and modify the requirement that they be publicly available by instead requiring the schedule of rates to be made publicly available by means of a clear and conspicuous link posted on the internet website of the title insurer, underwritten title company, or controlled escrow company that has filed the rate schedule, for so long as those rates remain effective. The bill would additionally require an underwritten title company to maintain a complete copy of each title insurer’s rate schedule that the underwritten title company has used for issuing title policies for a minimum of 7 years. The bill would require a notice to be posted in the applicable office that a specified rate schedule would be readily accessible for public viewing in the office of a title insurer, underwritten
 title company, or controlled escrow company, upon request and as specified.

Existing law prohibits a title insurer, underwritten title company, or controlled escrow company from using any rate in the business of title insurance before its effective date or before it has been publicly displayed, as specified, for at least 30 days. Existing law provides that no rate increase shall apply to title policies or services that have been contracted for prior to the rate’s effective date. 

This bill would require the rate be displayed both in physical form and through electronic publication on the company’s publicly accessible internet website for no less than 40 days.

Digest Key

 Vote:
 MAJORITY 
 Appropriation:
 NO 
 Fiscal Committee:
 YES 
 Local Program:
 NO 

Bill Text

The people of the State of California do enact as follows:

SECTION 1.

 Section 12401.1 of the Insurance Code is amended to read:

12401.1.

 Every title insurer, underwritten title company, and controlled escrow company (a) A title insurer shall file with the commissioner its schedu