HF3389

HF3389 (Legislative Session 94 (2025-2026))

Insurance producer continuing education requirements modified.

AI Generated Summary

Purpose

This bill updates Minnesota’s continuing education requirements for insurance producers. It aims to set clear rules about how many CE credit hours are needed, where those hours can come from, and how participation in professional associations can count toward CE.

Main provisions

CE hours and sources
- Each licensing period requires a minimum of 24 credit hours of approved courses.
- No more than half of the required hours can come from courses sponsored by, offered by, or affiliated with an insurance company or its agents.
- Courses provided by a bona fide insurance trade association are not considered sponsored by a company, even if the course is connected to the company or its location.
- Courses not sponsored by an insurance company must be open to all, unless an exception in existing law applies.
- The commissioner can approve courses that were approved by another state’s regulatory agency if they don’t conflict with Minnesota law and can approve courses leading to a nationally recognized professional designation used by licensees.
Ethics requirement
- Licensees must earn at least 3 credit hours of CE in the area of ethics during each licensing period.
Participation in insurance associations (new option for CE credit)
- Up to 4 hours of CE credit per reporting period may be earned for active participation in a state or national professional insurance association.
- Credit for association participation is awarded hour-for-hour and verified by the association on behalf of the producer, then credited to the producer after timely filing with the commissioner.
- Associations that submit CE credits on behalf of producers must be registered as an education provider.
- Credits earned for association participation cannot be used to satisfy the ethics requirement.
- Active participation is demonstrated by serving on a board of directors, a formal committee, or a formal subcommittee or task force of the state or national association chapter.

Significant changes to existing law

Adds a specific allowance (up to four CE hours per period) for active participation in insurance associations.
Clarifies that association-provided CE must be verified by the association and not counted as ethics credits.
Creates a requirement that associations must be registered as approved education providers to submit CE credits.
Reinforces that not more than 50% of CE can come from company-sponsored courses, while clarifying that bona fide insurance trade associations are not considered company-sponsored for CE counting.
Reaffirms openness of non-company-sponsored courses to all licensees, with exceptions limited to existing rules.

Key concepts and terms from the bill

continuing education (CE)
credit hours
licensing period
ethics
insurance producer
insurance company or agents
bona fide insurance trade association
education provider
association participation
board of directors
committees
subcommittees
task forces
hour-for-hour credit
verification
timely filing
commissioner
regulatory agency

Relevant Terms - continuing education - credit hours - licensing period - ethics - insurance producer - insurance company - trade association - education provider - association participation - board of directors - committees - subcommittees - task force - hour-for-hour - verification - timely filing - commissioner

Bill text versions

Introduction PDF PDF file

Actions

Date	Chamber	Where	Type	Name	Committee Name
February 17, 2026	House		Action	Introduction and first reading, referred to	Commerce Finance and Policy

Citations

[
  {
    "analysis": {
      "added": [
        "Authorizes the commissioner to approve CE offerings approved by the regulatory agency of another state if it does not conflict with Minnesota law."
      ],
      "removed": [],
      "summary": "The bill amends continuing education requirements for insurance producers by clarifying CE content and authorizing reciprocal approval of out-of-state offerings.",
      "modified": [
        "Defines continuing education content as approved courses imparting appropriate and related knowledge; codifies the framework for approval and credit."
      ]
    },
    "citation": "45.30",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "The bill tightens CE credit rules, establishing a 24-hour minimum and restricting certain sponsorships, while adding an ethics requirement.",
      "modified": [
        "Requires a minimum of 24 credit hours of approved CE per licensing period.",
        "No more than one-half of the credit hours per licensing period may be credited for attending courses sponsored by, offered by, or affiliated with an insurance company or its agents or from the credit hours allowed under subdivision 8a.",
        "Requires three hours of ethics-related CE per licensing period.",
        "Courses not sponsored by an insurance company must be open to all unless an exception listed in section 45.30 applies."
      ]
    },
    "citation": "60K.56",
    "subdivision": "subdivision 6"
  },
  {
    "analysis": {
      "added": [
        "Association submitting continuing education credit hours on behalf of insurance producers must be registered as an education provider under section 45.307."
      ],
      "removed": [],
      "summary": "The bill references 45.307 in relation to education provider registration for associations submitting CE credits.",
      "modified": [
        "No direct modification to section 45.307; the bill links CE credit submission to provider registration under that section."
      ]
    },
    "citation": "45.307",
    "subdivision": ""
  }
]