MN HF2853

Establishes new qualification requirements for real property appraiser supervisors and instructors, including mandatory six-hour Minnesota Supervisor/Trainee Appraiser Course and three-year licensing requirement immediately preceding application.

Modifies continuing education renewal requirements for licensed real estate appraisers and creates deferral provisions for appraisers on active military duty or impacted by state/federal disasters.

Prohibits insurers from imposing surcharges on homeowners insurance policies solely as a result of consumer inquiries that do not result in paid claims.

Establishes comprehensive insurance holding company system regulations including registration requirements, affiliated transaction disclosure, enterprise risk reporting, supervisory college participation, and confidentiality protections for regulatory information.

Creates Own Risk and Solvency Assessment (ORSA) requirements for insurers with annual premiums exceeding $500,000,000 to maintain risk management frameworks and submit annual ORSA Summary Reports to the commissioner.