VT H0137

Prohibits insurers from discriminating against affordable housing properties based on income-restricted units, tenant rental assistance (including Section 8 vouchers), tenant income levels, or ownership by public housing agencies or cooperatives

Strengthens virtual-currency kiosk regulations by increasing daily transaction limits ($2,000 for new customers, $5,000 for existing), raising the fee cap from 3% to 15%, requiring fraud warnings, mandatory live screening for customers over 60, blockchain analytics use, and full refunds for fraud victims who are new customers

Revises Medicare supplement insurance rate review process by requiring public hearings for composite average rate increases exceeding 10% when requested by designated entities, and mandates insurers file rate requests at least six months before policy effective dates

Directs the Commissioner of Financial Regulation to study and recommend models for protecting bank account holders from fraudulent transactions and for providing protections to victims of coerced debt, with reports due in late 2025 and early 2026

Updates captive insurance company regulations to allow formation as mutual insurers and reciprocal insurers, expands permissible business activities, and makes various technical corrections including gender-neutral language throughout insurance statutes