HB 182 was replaced with the language from HB 410. Now, HB 182 makes changes to how Georgia’s Department of Insurance (DOI) operates. These changes include repealing several regulations, eliminating certain fees paid by insurers, and removing the requirement for insurance agency branch offices to obtain separate licenses. The bill’s author says HB 410 will streamline the DOI’s operations, reduce costs for insurers, and modernize regulations. However, several potential drawbacks could negatively impact consumers and public insurance industry oversight. These include less transparency in insurance company operations, less financial security, reduced oversight of insurance agencies operating multiple locations, and fewer financial resources for DOI to investigate and enforce consumer protections.