A bill for an act relating to life insurance, permissible third parties, and financial exploitation of elig...
Do you support it?
Want to know if it passes?
We'll email you when HF 2232 moves — a committee vote, a floor vote, or a signature. Nothing else.
Free forever · unsubscribe in one click.
Your answer was recorded either way.
Which district are you in?
Your ZIP is all we need to match you to your own representatives — so we can tell you how they voted on HF 2232.
You're tracking HF 2232
We'll email you the moment it moves.
HF 2232 — A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults.
Last action — Signed by Governor.
No card. One bill, free forever — alerts when it moves.
-
✓Introduced
-
✓In Committee
-
✓Passed House
-
✓Passed Senate
-
✓To Executive
-
6Enacted
This bill has been enacted into law. Introduced January 30, 2026. Enacted.
Signed by Governor Kim Reynolds (Republican) on April 09, 2026.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
-
Enacted
Current position in the legislative process.
-
1 sponsor
1 primary, 0 co-sponsors signed on.
-
Cleared a recorded vote
Passed 5 recorded votes so far.
Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.
Bill Text
What changed in the latest version
256 added · 277 removedPlain-language change summary
The amendment to House File 2232 allows broker-dealers and investment advisers to extend the delay of fund disbursement for eligible adults at risk of financial exploitation. Initially, they could only delay for up to 15 business days unless a request was made to extend the delay up to 25 business days. The change now permits an additional extension of up to 25 more business days if there is reasonable belief that the transaction may lead to financial exploitation. This matters because it provides additional time to ensure protections for vulnerable adults, helping to prevent potential financial abuse.
STATEHouse OFFile IOWA2232 IMREYNLDS- GOERNOREnrolled pil,226House TeooalealaeFile ertryfaeoIwa2232 tteptlAN Dsons,oa539ACT DariSctr,RELATING Ieeyrni:TO LIFE INSURANCE, PERMISSIBLE THIRD PARTIES, AND FINANCIAL EXPLOITATION OF ELIGIBLE ADULTS.
HueFe23,nAtraigoiesrn,prsileidatsadfncalBE epiainflileus.IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:
Hebveoseieseeyapoednhst.Section 1.
KîR^oZsSection GvrorNL502.806, c:subsection 3, paragraph b, Code 2026, is amended to read as follows:
Sceryfhenteb. Cekfteose SAECPIOL ESONS,OWA39 1.851 WWW.GOVERNOR.IOWA.GOV WILLMAINTAIN imiliHWnnmiK:IIIHHHIHUUHH 1^1111111^ ^IIIMRUJ MiHIHmUHHHIi l& lüJtlUüII':i J.'l.;.;£LtHliU>Ui »üu»lHtMliUiUi >tiMtl:ilUili li Ulili>Uli!i:i>iMiltUlUIUIW£:l»U ose ie 232 N CT RLAIG O IFE SRACE, RMSSBE TID ARIS, ND FNACAL XLOTAIN F LIIBE DLT.
BEFifteen Tbusiness ATEDdays Yafter Ethe EERLdate SSMLYon Fwhich HEthe ATEFbroker-dealer OW:or investment adviser first delayed disbursement of the funds or transaction, unless the administrator requests the broker-dealer or investment adviser to extend the delay, in which case the delay shall expire no more than twenty-five business days after the date on which the broker-dealer or investment adviser first delayed the disbursement of the funds or the transaction extended pursuant to paragraph “c”.
ScionSec. .
ecin2. 0280, ubetin , argrph , de 22, ismeded o ad s llw:
FitenSection uinss502.806, assubsection fer3, heCode te2026, nis hchamended eby bokrdeleradding rthe vetentfollowing viernew istparagraphs: laed ibusmet of e uds r rnacio, nlss he mnitrtr—-^--s- te roe-dalror nvsmet dvse—to tnd he ly, in ih as—te ely hll xire oore an wnt-ive bsiessays ter e aeon hih he okr-eaeror Ivesmnt vis—fist laed he sbremnt f he ns e—te rnscton xeded rsant o rgrph c.
Sc.NEW PARAGRAPH .
ecinc. 5280, ubecin , ode 2, ismeded by dng he llwig ew rarah:
NWIf AAGAPH,the .internal review under subsection 2, paragraph “d”, continues to support the broker-dealer, investment adviser, or qualified individual’s reasonable belief that the disbursement or transaction will likely result in or contribute to the financial exploitation of an eligible adult, the broker-dealer or investment adviser may extend the delay beyond the initial delay under paragraph “b” for no more than twenty-five business days after the date on which the broker-dealer or investment adviser first delayed disbursement House File 2232, p.
f2 heof nenalthe viwfunds ndr usetin 2, rarph d,coniues o pprt e roerdelr, ivetent vie, or aifedtransaction, nivdulsunless raonbleextended lifpursuant tatto heisuremntparagraph r“d”. rnacion ll iey eslt n or ntiute o e innial plittin f n lgile aut, he okr-eaer r netmnt dier ay ted he dlay ynd he ital eay der rarph b" r o oe tan wnt-ive sies dys ter e aten hih he bokr-eler r vetmnt vier ist eaed ibuseent oue ile 3, .
2NEW ofPARAGRAPH e. uds r rnacio, nlss teded rsat o prarph d.
NWd. AAGAPH.
fIf hethe nenalinternal viwreview nerunder usetonsubsection 2, rgrphparagraph d,“d”, otiuescontinues oto portsupport ethe roe-dalr,broker-dealer, ivetentinvestment vie,adviser, ror uaifedqualified nivdalsindividual’s eaonbereasonable elefbelief tatthat ethe isureentdisbursement ror anacintransaction illwill keylikely eultresult nin ror cntiutecontribute oto ethe innialfinancial plittonexploitation fof nan lgbleeligible ul,adult, tethe rke-dalrbroker-dealer ror nesmetinvestment dvsradviser aymay xendextend ethe eaydelay byodbeyond hethe laydelay drunder argrphparagraph c"or“c” ofor oeno hnmore ify-iethan bsiesfifty-five aysbusiness trdays teafter aethe ndate hchon hewhich okrdelerthe rbroker-dealer ivetentor vierinvestment rstadviser laedfirst ibrsmetdelayed fdisbursement heof ndsthe rfunds tanatin.or transaction.
Sc.Sec.
ecin3. 07., sbscion , rarphs and,b Cde 26, e medd o ead s low:
ForSection ross507E.8, fsubsection n1, restparagraphs sutiga romand aimnalb, voltonCode f2026, nyare oisonamended fto heread deas bjctfollows: o e jridcton f he misioer sabihed s aeut f n ivetiaion rsat o his aper r aper 2, 0A, 57, 08, 3, 53, 23, r 21.
Whlea. odctng n nesiaton r naed n n asinent thried y is hptr r hptr 0, 52, 57, 08, 3, 53, 23, r 21.
ec.For purposes of an arrest resulting from a criminal violation of any provision of the Code subject to the jurisdiction of the commissioner established as a result of an investigation pursuant to this chapter or chapter 502, 502A, 507A, 508, 523A, 523C, 523D, or 523I.
EWb. ETON.
0811While Deiitos.conducting an investigation or engaged in an assignment authorized by this chapter or chapter 502, 502A, 507A, 508, 523A, 523C, 523D, or 523I.
sSec. sed n is ape, ules he ntxt tewie rqurs:
Dsbremnt"eas4. n ttmt o itdrw oey r acss aenfit om aie nsrace liy, n nuty, r ay ter oiy, otrct, r cun, irspctve f eter te euet s lasfid s a rrner, an, tdrwa, prial thraa, acleatd enft, r terie.
EigbeNEW dut"mansSECTION. e ae s efned n cion 5280.
Fnacal508.101 xlottin"mansDefinitions. e ae s efned n scton 2.0.
PrmsibeAs hrdpaty"easused nyin fthis echapter, olown:unless the context otherwise requires:
An1. nivdal he igble ut reiosly sgnted wo ay e ntctd but he igbe aut's liy, cnrat, r cont.
oue“Disbursement” ilemeans 3,an p.attempt to withdraw money or access a benefit from a life insurance policy, an annuity, or any other policy, contract, or account, irrespective of whether the request is classified as a surrender, loan, withdrawal, partial withdrawal, accelerated benefit, or otherwise.
32. .
Aeron“Eligible tewieadult” eritedmeans rsantthe osame yas ttedefined rin fdealsection awr502.801. ule o cive e otfcaion scied n scton 0.03.
3.
“Financial exploitation” means the same as defined in section 502.801.
4.
“Permissible third party” means any of the following:
a.
An individual the eligible adult previously designated who may be contacted about the eligible adult’s policy, contract, or account.
b.
A person otherwise permitted pursuant to any state or House File 2232, p.
Show all 127 changed lines (87 more)
3 federal law or rule to receive the notification described in section 508.103.
Qulfidinivdal"mas“Qualified nyindividual” fmeans heany lown:of the following:
na. nurnceroucr ho s omleed t ast o hurs f nining ucton ousd n ow o eniy sspctd r temted poiaton f n igble ut, icldig omon gns dcaing e innial plitton f an igbe dut, nd w o rvie oifcaion gadng te useced r teped xlotaion fn liibe dlt.
nAn nivdalinsurance hoproducer swho omltedhas aiingcompleted ruatat oleast sctontwo 0.05.hours of continuing education focused on how to identify suspected or attempted exploitation of an eligible adult, including common signs indicating the financial exploitation of an eligible adult, and how to provide notification regarding the suspected or attempted exploitation of an eligible adult.
Sc.b.
EWAn ETON.individual who has completed training pursuant to section 508.105.
0812Sec. Noiictin o omisonr.
5.
NEW SECTION.
508.102 Notification to commissioner.
fIf nan nurrinsurer ror uliiedqualified dviualindividual asnblyreasonably blivesbelieves nncalfinancial xlottinexploitation fof nan liileeligible dltadult shas ocurd,occurred, aswas teped,attempted, ror sis ingbeing tmped,attempted, ethe nsrrinsurer or alfedqualified nivdulindividual aymay tiynotify hethe omssonrcommissioner hnwhen tethe isuerinsurer ror alfidqualified ndvdulindividual aksmakes a trmnaiondetermination atthat fnacilfinancial xpotaionexploitation ymay aehave ccred,occurred, enbeen temtd,attempted, ror is ingbeing tmpe.attempted.
nAn nurrinsurer ror uliiedqualified diiualindividual o,who, cigacting rasnalyreasonably dand nin oodgood ih,faith, aesmakes aiclsuea fdisclosure nfratonof information to ethe omisinercommissioner ruatpursuant oto histhis aterchapter ror drunder caterchapter 57E507E hllshall ebe mueimmune romdmnitrtiefrom radministrative iilor ibiiycivil tatliability ihtthat hewiemight rieotherwise rmarise uchfrom scouresuch rdisclosure omor from a filrefailure oto tiynotify hethe lgbleeligible ultadult fof ethe iclsre.disclosure.
hisThis sctonsection hllshall tnot brgteabrogate ror oifymodify yany xstngexisting ttuoystatutory ror cmmncommon awlaw ivleesprivileges ror muite.immunities.
Sc.Sec.
EW6. ETIN.
0813NEW NoifctinSECTION. opemisble tid ary.
f508.103 nNotification nurrto rpermissible uliiedthird diiualparty. asnaly blives nncal xlottin f n liile dlt as ocurd, as teped, r s ing tmped, e nsrr or alfed nivdul ay tiy aprmsibe hid aty.
Ntiicton1. o aerisile hrd aty s t eqird ror to e nsrr', uaifed diidals, omssonrs, r oher leat gecys evew r vetiaton to ianil eplittin.
AnIf nurran rinsurer uliiedor diidalqualified allindividual treasonably otfybelieves afinancial oueexploitation ileof 3,an p.eligible adult has occurred, was attempted, or is being attempted, the insurer or qualified individual may notify a permissible third party.
4Notification prmssbleto ida arypermissible fthird heparty sueris rnot alfidrequired nivdulprior rasnalyto upctsthe chinsurer’s, emssblequalified idindividual’s, arycommissioner’s, for ianialother eplittinrelevant ragency’s terreview bseor finvestigation einto liilefinancial dl.exploitation.
2.
An insurer or qualified individual shall not notify a permissible third party if the insurer or qualified individual House File 2232, p.
4 reasonably suspects such permissible third party of financial exploitation or other abuse of the eligible adult.
nAn lgileeligible dltadult ymay olntrlyvoluntarily rvieprovide oto nan nurrinsurer cntctcontact noraioninformation rfor hethe igbleeligible ut'sadult’s rmssbepermissible hidthird prte.parties.
nAn nurrinsurer ror uliiedqualified diiualindividual allshall tnot ebe edheld amiisrtielyadministratively ror vilycivilly abeliable orfor alngfailing oto eustrequest tethe onatcontact ifrmtininformation orfor ethe liileeligible dltsadult’s erisilepermissible tirdthird rie.parties.
An nuerinsurer ror uliidqualified idviualho,individual tigwho, rasnalyacting dreasonably nand oodin ih,good oplesfaith, thcomplies hswith ecinthis halsection shall be mueimmune rmfrom dmnitatveadministrative ror iilcivil ibliyliability htthat aymay aisearise omfrom scosngdisclosing hethe iibeeligible dutsadult’s nfrmtininformation oto a prmssbepermissible tidthird aty.party.
Sc.Sec.
EW7. ETON.
0814NEW DibrsmetsSECTION. r anatins — dly.
508.104 Disbursements or transactions —— delay.
fIf nan nuerinsurer ror uliiedqualified dviualindividual asnblyreasonably blivesbelieves asbrsmnta rdisbursement rnsctonor stransaction keyis olikely eultto ,result in, or ntiutecontribute ,to, hethe iacilfinancial xpoiaionexploitation fof nan iibeeligible aut,adult, hethe suerinsurer ror alfidqualified ndviulindividual aymay ntiteinitiate nan itenalinternal vewreview fof hethe qesedrequested ibusmetdisbursement ror rascton.transaction.
An2. nurr ay lay aibrsmet r rascton fom n lgble ul's liy, otac, r ccut, r a pliy, otac, r cout n hih n lgile dlt s a bneiiay, f ll f e oloing py:
heAn suerinsurer rmay alfiddelay ndvdula eaonbydisbursement elevs,or atertransaction itaingfrom nan tenleligible evewadult’s nerpolicy, bsctoncontract, ,or ataccount, teor eqeteda sbrsmntpolicy, rcontract, rnsctonor llaccount ielyon sltwhich inan religible nriuteadult ois ea ianialbeneficiary, pliatonif fall heof iibethe ault.following apply:
medael,a. ut n o vnt re hn evn uinss dys fer e isureent r anacin s elyd, he isuer rvdes iten oiictin f he lay d he rasn or e ely o ll rsns uhried o rnsct bsies n he oiy, otrct, r cun.
AnThe nuerinsurer ror qalfidqualified nivdulindividual halreasonably otbelieves, tiyafter ainitiating ronan uhoizdinternal oreview tanatunder bsnessubsection n1, hethat liy,the otrc,requested rdisbursement ccuntor ftransaction ewill isuerlikely rresult alfidin ndvdulor eaonblycontribute levsto hethe esnfinancial hsexploitation omitedof nacilthe xlotain,eligible ttmtedadult. nacil epliaton, mmttd r temted suace rud, r oue ile 3, p.
5b. cmmttd r temted hr bue f he igble ut.
ihinImmediately, venbut snesin aysno trevent hemore ibusmetthan rseven tanacionbusiness selyd,days heafter suerthe oifesdisbursement eor omisinertransaction ofis edelayed, elythe ndinsurer ovdsprovides tohewritten omisonrnotification heof esnthe frdelay heand ea,the ncudngreason efor tausthe fdelay eto itrnlall evewpersons iitatdauthorized nerto usetintransact .business on the policy, contract, or account.
heAn suerinsurer otnusor hequalified nenalindividual viwshall fnot henotify sspctda rperson temtedauthorized nacalto xlotaintransact fbusiness heon lgblethe aul,policy, scontract, eesar,or ndaccount rvdesif ethe omisinerinsurer thor daesqualified uonindividual eust.reasonably believes the person has committed financial exploitation, attempted financial exploitation, committed or attempted insurance fraud, or committed or attempted other abuse of the eligible adult.
c.
Within seven business days after the disbursement or House File 2232, p.
5 transaction is delayed, the insurer notifies the commissioner of the delay and provides to the commissioner the reason for the delay, including the status of the internal review initiated under subsection 1.
d.
The insurer continues the internal review of the suspected or attempted financial exploitation of the eligible adult, as necessary, and provides the commissioner with updates upon request.
nyAny laydelay fof asbrsmeta rdisbursement rnsctonor uhriedtransaction yauthorized tisby etinthis ilsection xprewill onexpire heupon rstthe occrfirst fto nyoccur fof eany fllwig:of the following:
Ainla. etrintin y he nuer ht he dsbrsmnt r rnscton ll ot sut n r otrbte o fnacil xpotaion f e lgile dl.
itenA usnssfinal asdetermination ftrby hethe teinsurer nthat hchthe edisbursement nsrror frsttransaction laedwill sbrsmntnot fresult hein ndsror tecontribute rnscio,to ulesfinancial xtnedexploitation usuntof othe raraheligible c.adult.
rviedb. he trnl evew der bscton , prarah d, onines o pprt he srer r aifed idiida's esoabe eief at he suremnt r tanacin ill key eult n r ntiute o e fnacil xpotaion f nliibe dlt, e nsrr my eted he lay yod he ital eay der rarah b" fr o oe han eny-ie usnes as atr he ae n wich e nurr irt eayd isuremnt f e uns r te rascton, les xtned usunt o rarah d.
rviedFifteen hebusiness trnldays evewafter derthe bsctondate ,on prarahwhich d,the oninesinsurer ofirst pprtdelayed hedisbursement srerof rthe alfedfunds idiida'sor esoabethe eieftransaction, atunless heextended sbremntpursuant rto tanacinparagraph ill“c”. key eslt n r ntiute o e fnacil xpotaion f nliibe dut, e nsrer y eted he lay yod he lay der rgrph c" r o mre hn ityfie usnss as ftr he te n hch e isuer ist laed ibusmet f he uds r anatin.
c.
Provided the internal review under subsection 2, paragraph “d”, continues to support the insurer or qualified individual’s reasonable belief that the disbursement or transaction will likely result in or contribute to the financial exploitation of an eligible adult, the insurer may extend the delay beyond the initial delay under paragraph “b” for no more than twenty-five business days after the date on which the insurer first delayed disbursement of the funds or the transaction, unless extended pursuant to paragraph “d”.
d.
Provided the internal review under subsection 2, paragraph “d”, continues to support the insurer or qualified individual’s reasonable belief that the disbursement or transaction will likely result in or contribute to the financial exploitation of an eligible adult, the insurer may extend the delay beyond the delay under paragraph “c” for no more than fifty-five business days after the date on which the insurer first delayed disbursement of the funds or transaction.
owihsaningNotwithstanding becionsubsection ,3, onupon eiionpetition fof ethe cmmsioer,commissioner, ethe nsrrinsurer wowho ntitedinitiated aeaya rsantdelay opursuant tisto eton,this rsection, oteror neesedanother at,interested party, a urtcourt fof mptntcompetent ouejurisdiction ilemay 3,enter an order terminating, extending, or modifying the delay of the disbursement or transaction and may House File 2232, p.
6 jriditonorder ayany trother nprotective rdrrelief eriatng,deemed tedng,necessary. r mdiyig he lay fhe ibuseet r rasaton nd y oder y ter rtetve eief eed eesay.
heThe mmssoercommissioner aymay otadopt rlsrules uruatpursuant oto hptrchapter 1A17A egringregarding ethe ormndform anerand fmanner tfiatonsof drnotifications hisunder scton.this section.
nAn nurrinsurer ror uliiedqualified diiualindividual o,who, cigacting rasnalyreasonably dand nin odgood aih,faith, oplescomplies thwith hethe qurmetsrequirements of isthis etonsection ror hperchapter 0E507E halshall ebe muneimmune omfrom amiisrtieadministrative ror ivlcivil ibiityliability atthat ymay riearise romfrom alaya delay in aibrsmeta rdisbursement rnsctonor ntitdtransaction uruatinitiated opursuant hsto scton.this section.
Sc.Sec.
EW8. ETON.
0815NEW TriingSECTION. qirmnt.
508.105 Training requirements.
nAn nurrinsurer hllshall rvieprovide ranngtraining oto ueriorssupervisors dand eplyesemployees mloedemployed yby ethe nsrerinsurer owho adlehandle ror vieadvise non cmpant,complaints, osibepossible rud,fraud, dand nvstgtinsinvestigations ono aerlater anthan JneJune ,30, 22.2027.
The anigtraining halshall ncueinclude nsrutoninstruction non llall of ethe oloig:following:
dntfynga. spctd r temted plitton of n iibe dlt, cldig omon gns diatng fnacal xlotain f n liibe dlt nd w o rvie ntiicton earig te upeted r tmped xlottin of n iibe dlt.
rvayIdentifying ndsuspected nfdetiliyor euiemns.attempted exploitation of an eligible adult, including common signs indicating financial exploitation of an eligible adult and how to provide notification regarding the suspected or attempted exploitation of an eligible adult.
Anb. nurr hll rvie he aiing qurd ndr sbscton 1s on s esoaby ratcale fer e ate a uevior r mlyee gis mpomet ith r cmes afiited r soited th he sre, ut o aer an oe er ftr hatat.
AnPrivacy nurrand hllconfidentiality otrequirements. e qurd o roide anig udr tis cton o auliied diiual plyed yhe isuer.
The2. mmsioer ay opt ls uruat o hptr 7A secfing e onet nd ehod f anig eqird ner tis eton.
Sc.An insurer shall provide the training required under subsection 1 as soon as reasonably practicable after the date a supervisor or employee begins employment with or becomes affiliated or associated with the insurer, but no later than one year after that date.
EW3. ETON.
0816An Reods.insurer shall not be required to provide training under this section to a qualified individual employed by the insurer.
n4. isrer al roide ces o r oies f crds tat e rlvat o he spctd r temted nacil epliaton f n lgble ult o e omisiner d oue ile 3, p.
7The tocommissioner wmay noremn,adopt eterrules spursuant atto fchapter a17A frrlspecifying othe hecontent cmmssoerand rmethod awof frcmet,training rrequired pnunder hethis qustsection. f e cmmssoer r aw focmet urunt o n nesiaton.
TeSec. ecrs ay nlue itoicl ecrs s ell s crds rlaig o he ot eent anacins nd sbremnt rquss fom e oices, ntats, r conts at y idiae fnncal xlottin f n lgile dl.
All9. rcods de vilbe tohe omisonr r aw noceent prsat o his cton all e nsdred nfdntal pblc eors ndr hptr 2 nd hll t e valble fr xaiaton y heubic usunt o cton .2.
hisNEW sctonSECTION. all t e ostued o mt r thrwse pee he athrty f he mmsioer o ces r xaine e oks ad ecrs f nsrrs s terie poidd y a.
Sc.508.106 Records.
COEAn DTORinsurer RETVE.shall provide access to or copies of records that are relevant to the suspected or attempted financial exploitation of an eligible adult to the commissioner and to law enforcement, either as part of a referral to the commissioner or law enforcement, or upon the request of the commissioner or law enforcement pursuant to an investigation.
heThe oerecords dtormay sHouse retdFile to2232, sgntep. etins 8.1 rogh 0.9, s mndd y tis t, s uchper If hatr 58 nited Gnral Poison", nd o sgnte etins 0.01 houh 0.16, as ated y is t, s uchper I f hper 08 etild Fianil Epoiaton f lgble uls.
AT7 RSSEYinclude MYhistorical ICLIRrecords Seker£fas ewell oueas reidntrecords frelating eto entethe Ihreymost eriyrecent hattransactions isand ildisbursement rgiatdrequests nfrom hethe usepolicies, dcontracts, isor onaccounts sthat ouemay ieindicate 23,financial intyfrstexploitation nealof sebl.an eligible adult.
EGANAll ESNrecords IMmade ENODSavailable ovrnrto the commissioner or law enforcement pursuant to this section shall be considered confidential public records under chapter 22 and shall not be available for examination by the public pursuant to section 22.2.
This section shall not be construed to limit or otherwise impede the authority of the commissioner to access or examine the books and records of insurers as otherwise provided by law.
Sec.
10.
CODE EDITOR DIRECTIVE.
The Code editor is directed to designate sections 508.1 through 508.39, as amended by this Act, as subchapter I of chapter 508 entitled “General Provisions”, and to designate sections 508.101 through 508.106, as enacted by this Act, as subchapter II of chapter 508 entitled “Financial Exploitation of Eligible Adults”.
______________________________ ______________________________ PAT GRASSLEY AMY SINCLAIR Speaker of the House President of the Senate I hereby certify that this bill originated in the House and is known as House File 2232, Ninety-first General Assembly.
______________________________ MEGHAN NELSON Chief Clerk of the House Approved _______________, 2026 ______________________________ KIM REYNOLDS Governor
Show all 127 changed rows (87 more)
View plain text versions (4)
- Enrolled Enrolled with Governor's Action pdf
- Enrolled View text pdf
- Enrolled Signed Enrolled Bill (PDF) Current pdf
- Introduced View text pdf
Action History
-
Signed by Governor.
-
Reported correctly enrolled, signed by Speaker and President, and sent to Governor.
-
Message from Senate.
-
Immediate message.
-
Passed Senate, yeas 47, nays 0.
-
Substituted for SF 2454.
-
Placed on calendar under unfinished business.
-
Read first time, attached to SF 2454.
-
Message from House.
-
Immediate message.
-
Passed House, yeas 90, nays 0.
-
Introduced, placed on calendar.
Sponsors
- COMMITTEE ON COMMERCE · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 149 not signed on · 1 voted No
Sponsors (1)
- COMMITTEE ON COMMERCE
Co-sponsors (0)
None.
Not signed on (149)
149 members have not signed on to this bill.
Show all 149 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 31 | 0 | 0 | 2 |
| Democrat | 17 | 0 | 0 | 1 |
| Total | 48 | 0 | 0 | 3 |
| % of votes cast | 94% | 0% | 0% | 6% |
How each member voted (51)
| Member | Party | Vote |
|---|---|---|
| Art Staed | Democrat | Yea |
| Catelin Drey | Democrat | Yea |
| Cindy Winckler | Democrat | Yea |
| Herman C. Quirmbach | Democrat | Yea |
| Izaah Knox | Democrat | Yea |
| Janet Petersen | Democrat | Yea |
| Janice Weiner | Democrat | Yea |
| Liz Bennett | Democrat | Yea |
| Matt Blake | Democrat | Yea |
| Mike Zimmer | Democrat | Yea |
| Molly Donahue | Democrat | Yea |
| Renee Hardman | Democrat | Yea |
| Sarah Trone Garriott | Democrat | Yea |
| Sarah Trone Garriott | Democrat | Yea |
| Thomas Townsend | Democrat | Yea |
| Tony Bisignano | Democrat | Yea |
| William A. Dotzler Jr. | Democrat | Yea |
| Zach Wahls | Democrat | Not Voting |
| Adrian Dickey | Republican | Yea |
| Amy Sinclair | Republican | Yea |
| Annette Sweeney | Republican | Yea |
| Carrie Koelker | Republican | Yea |
| Charlie McClintock | Republican | Yea |
| Cherielynn Westrich | Republican | Yea |
| Dan Dawson | Republican | Yea |
| Dan Zumbach | Republican | Yea |
| Dave Sires | Republican | Yea |
| David D. Rowley | Republican | Not Voting |
| Dawn Driscoll | Republican | Yea |
| Dennis Guth | Republican | Yea |
| Doug Campbell | Republican | Yea |
| Jack Whitver | Republican | Yea |
| Jason Schultz | Republican | Yea |
| Jeff Reichman | Republican | Yea |
| Jeff Taylor | Republican | Yea |
| Jesse Green | Republican | Yea |
| Julian B. Garrett | Republican | Not Voting |
| Kara Warme | Republican | Yea |
| Ken Rozenboom | Republican | Yea |
| Kerry Gruenhagen | Republican | Yea |
| Kevin Alons | Republican | Yea |
| Lynn Evans | Republican | Yea |
| Mark Costello | Republican | Yea |
| Mark S. Lofgren | Republican | Yea |
| Mike Bousselot | Republican | Yea |
| Mike Klimesh | Republican | Yea |
| Mike Pike | Republican | Yea |
| Sandy Salmon | Republican | Yea |
| Scott Webster | Republican | Yea |
| Tim Kraayenbrink | Republican | Yea |
| Tom Shipley | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 28 | 0 | 0 | 0 |
| Democrat | 11 | 0 | 0 | 1 |
| Unaffiliated | 10 | 0 | 0 | 0 |
| Total | 49 | 0 | 0 | 1 |
| % of votes cast | 98% | 0% | 0% | 2% |
How each member voted (50)
| Member | Party | Vote |
|---|---|---|
| Boulton | — | Yea |
| Brown | — | Yea |
| Celsi | — | Yea |
| Cournoyer | — | Yea |
| Edler | — | Yea |
| Giddens | — | Yea |
| Jochum | — | Yea |
| Zaun | — | Yea |
| De Witt | — | Yea |
| Taylor, T. | — | Yea |
| Cindy Winckler | Democrat | Yea |
| Herman C. Quirmbach | Democrat | Yea |
| Izaah Knox | Democrat | Yea |
| Janet Petersen | Democrat | Yea |
| Janice Weiner | Democrat | Yea |
| Liz Bennett | Democrat | Yea |
| Molly Donahue | Democrat | Yea |
| Sarah Trone Garriott | Democrat | Yea |
| Sarah Trone Garriott | Democrat | Yea |
| Tony Bisignano | Democrat | Yea |
| William A. Dotzler Jr. | Democrat | Yea |
| Zach Wahls | Democrat | Not Voting |
| Adrian Dickey | Republican | Yea |
| Amy Sinclair | Republican | Yea |
| Annette Sweeney | Republican | Yea |
| Carrie Koelker | Republican | Yea |
| Charlie McClintock | Republican | Yea |
| Cherielynn Westrich | Republican | Yea |
| Dan Zumbach | Republican | Yea |
| David D. Rowley | Republican | Yea |
| Dawn Driscoll | Republican | Yea |
| Dennis Guth | Republican | Yea |
| Jack Whitver | Republican | Yea |
| Jason Schultz | Republican | Yea |
| Jeff Reichman | Republican | Yea |
| Jeff Taylor | Republican | Yea |
| Jesse Green | Republican | Yea |
| Julian B. Garrett | Republican | Yea |
| Ken Rozenboom | Republican | Yea |
| Kerry Gruenhagen | Republican | Yea |
| Kevin Alons | Republican | Yea |
| Lynn Evans | Republican | Yea |
| Mark Costello | Republican | Yea |
| Mark S. Lofgren | Republican | Yea |
| Mike Bousselot | Republican | Yea |
| Mike Klimesh | Republican | Yea |
| Sandy Salmon | Republican | Yea |
| Scott Webster | Republican | Yea |
| Tim Kraayenbrink | Republican | Yea |
| Tom Shipley | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 21 | 0 | 0 | 0 |
| Democrat | 27 | 0 | 0 | 2 |
| Republican | 48 | 1 | 0 | 4 |
| Total | 96 | 1 | 0 | 6 |
| % of votes cast | 93% | 1% | 0% | 6% |
How each member voted (103)
| Member | Party | Vote |
|---|---|---|
| Abdul-Samad | — | Yea |
| Jr. | — | Yea |
| Best | — | Yea |
| Buck | — | Yea |
| Cahill | — | Yea |
| Carlson | — | Yea |
| Deyoe | — | Yea |
| Forbes | — | Yea |
| Fry | — | Yea |
| Graber | — | Yea |
| Gustafson | — | Yea |
| Isenhart | — | Yea |
| Kniff | — | Yea |
| Osmundson | — | Yea |
| Scheetz | — | Yea |
| Sexton | — | Yea |
| Sherman | — | Yea |
| Steckman | — | Yea |
| Stoltenberg | — | Yea |
| Speaker | — | Yea |
| Thompson, P. | — | Yea |
| Adam Zabner | Democrat | Yea |
| Amy Nielsen | Democrat | Yea |
| Art Staed | Democrat | Yea |
| Austin Baeth | Democrat | Yea |
| Beth Wessel-Kroeschell | Democrat | Yea |
| Bob Kressig | Democrat | Yea |
| Brian Meyer | Democrat | Yea |
| David Jacoby | Democrat | Yea |
| Dr. Megan L. Srinivas | Democrat | Yea |
| Elinor A. Levin | Democrat | Yea |
| Elizabeth Wilson | Democrat | Yea |
| Eric J. Gjerde | Democrat | Yea |
| Heather Matson | Democrat | Yea |
| J.D. Scholten | Democrat | Yea |
| Jeff Cooling | Democrat | Yea |
| Jennifer Konfrst | Democrat | Yea |
| Jerome Amos Jr. | Democrat | Yea |
| Josh Turek | Democrat | Yea |
| Ken Croken | Democrat | Not Voting |
| Kenan Judge | Democrat | Yea |
| Lindsay James | Democrat | Yea |
| Mary Lee Madison | Democrat | Yea |
| Monica Kurth | Democrat | Yea |
| Rick L. Olson | Democrat | Not Voting |
| Ross Wilburn | Democrat | Yea |
| Ruth Ann Gaines | Democrat | Yea |
| Sean Bagniewski | Democrat | Yea |
| Timi M. Brown-Powers | Democrat | Yea |
| Tracy A. Ehlert | Democrat | Yea |
| Ann Meyer | Republican | Yea |
| Austin Harris | Republican | Yea |
| Barb Kniff McCulla | Republican | Yea |
| Bill Gustoff | Republican | Not Voting |
| Bob Henderson | Republican | Yea |
| Bobby Kaufmann | Republican | Yea |
| Brent Siegrist | Republican | Yea |
| Brian K. Lohse | Republican | Yea |
| Brooke Boden | Republican | Yea |
| Carter F. Nordman | Republican | Yea |
| Chad Ingels | Republican | Yea |
| Charley Thomson | Republican | Yea |
| Cindy Golding | Republican | Yea |
| Craig P. Johnson | Republican | Yea |
| Dan Gehlbach | Republican | Yea |
| David E. Young | Republican | Yea |
| David Sieck | Republican | Yea |
| Dean Fisher | Republican | Yea |
| Derek Wulf | Republican | Yea |
| Devon Wood | Republican | Yea |
| Dr. Steven P. Bradley | Republican | Yea |
| Eddie Andrews | Republican | Yea |
| Gary M. Mohr | Republican | Yea |
| Hans C. Wilz | Republican | Not Voting |
| Heather Hora | Republican | Yea |
| Helena Hayes | Republican | Not Voting |
| Henry Stone | Republican | Yea |
| Jacob Bossman | Republican | Yea |
| Jane Bloomingdale | Republican | Yea |
| John H. Wills | Republican | Yea |
| Jon Dunwell | Republican | Yea |
| Joshua Meggers | Republican | Yea |
| Mark Cisneros | Republican | Not Voting |
| Mark I. Thompson | Republican | Yea |
| Matt W. Windschitl | Republican | Yea |
| Matthew Rinker | Republican | Yea |
| Megan Jones | Republican | Yea |
| Michael R. Bergan | Republican | Yea |
| Mike Vondran | Republican | Yea |
| Norlin G. Mommsen | Republican | Yea |
| Pat Grassley | Republican | Yea |
| Ray Sorensen | Republican | Yea |
| Shannon Latham | Republican | Yea |
| Shannon Lundgren | Republican | Yea |
| Skyler Wheeler | Republican | Yea |
| Steven C. Holt | Republican | Yea |
| Taylor R. Collins | Republican | Yea |
| Thomas Gerhold | Republican | Yea |
| Thomas Jay Moore | Republican | Yea |
| Thomas M. Jeneary | Republican | Yea |
| Tom Determann | Republican | Yea |
| Tom Shipley | Republican | Nay |
| Zach Dieken | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 31 | 0 | 0 | 1 |
| Republican | 14 | 0 | 0 | 0 |
| Democrat | 4 | 0 | 0 | 0 |
| Total | 49 | 0 | 0 | 1 |
| % of votes cast | 98% | 0% | 0% | 2% |
How each member voted (50)
| Member | Party | Vote |
|---|---|---|
| Allen | — | Yea |
| Bertrand | — | Yea |
| Bolkcom | — | Yea |
| Bowman | — | Yea |
| Boulton | — | Yea |
| Breitbach | — | Yea |
| Brown | — | Yea |
| Carlin | — | Yea |
| Chapman | — | Yea |
| Chelgren | — | Yea |
| Dvorsky | — | Yea |
| Edler | — | Yea |
| Hart | — | Yea |
| Hogg | — | Yea |
| Horn | — | Yea |
| Jochum | — | Yea |
| Kapucian | — | Yea |
| Kinney | — | Yea |
| Lykam | — | Yea |
| Mathis | — | Yea |
| McCoy | — | Yea |
| Ragan | — | Yea |
| Schneider | — | Yea |
| Segebart | — | Yea |
| Zaun | — | Yea |
| Johnson, D. | — | Yea |
| Shipley | — | Yea |
| Danielson | — | Yea |
| Taylor | — | Yea |
| Vacant, 1. | — | Not Voting |
| Feenstra | — | Yea |
| Greene | — | Yea |
| Herman C. Quirmbach | Democrat | Yea |
| Janet Petersen | Democrat | Yea |
| Tony Bisignano | Democrat | Yea |
| William A. Dotzler Jr. | Democrat | Yea |
| Amy Sinclair | Republican | Yea |
| Chad Behn | Republican | Yea |
| Craig P. Johnson | Republican | Yea |
| Dan Dawson | Republican | Yea |
| Dan Zumbach | Republican | Yea |
| Dennis Guth | Republican | Yea |
| Jack Whitver | Republican | Yea |
| Jason Schultz | Republican | Yea |
| Jennifer J. Smith | Republican | Yea |
| Julian B. Garrett | Republican | Yea |
| Ken Rozenboom | Republican | Yea |
| Mark Costello | Republican | Yea |
| Mark S. Lofgren | Republican | Yea |
| Tim Kraayenbrink | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 66 | 0 | 0 | 1 |
| Democrat | 10 | 0 | 0 | 1 |
| Republican | 22 | 0 | 0 | 0 |
| Total | 98 | 0 | 0 | 2 |
| % of votes cast | 98% | 0% | 0% | 2% |
How each member voted (100)
| Member | Party | Vote |
|---|---|---|
| Abdul-Samad | — | Yea |
| Bacon | — | Yea |
| Baltimore | — | Yea |
| Baudler | — | Yea |
| Bearinger | — | Yea |
| Baxter | — | Yea |
| Best | — | Yea |
| Breckenridge | — | Yea |
| Carlson | — | Yea |
| Cohoon | — | Yea |
| Hagenow | — | Yea |
| Hall | — | Yea |
| Hanusa | — | Yea |
| Heartsill | — | Yea |
| Heaton | — | Yea |
| Heddens | — | Yea |
| Hein | — | Yea |
| Highfill | — | Yea |
| Hinson | — | Yea |
| Holz | — | Yea |
| Hunter | — | Yea |
| Huseman | — | Yea |
| Isenhart | — | Yea |
| Jacobsen | — | Yea |
| Kacena | — | Yea |
| Kearns | — | Yea |
| Kerr | — | Yea |
| Klein | — | Yea |
| Koester | — | Yea |
| Landon | — | Yea |
| Lensing | — | Yea |
| Mascher | — | Yea |
| Maxwell | — | Yea |
| McConkey | — | Yea |
| McKean | — | Yea |
| Nunn | — | Yea |
| Oldson | — | Yea |
| Ourth | — | Yea |
| Paustian | — | Yea |
| Pettengill | — | Yea |
| Prichard | — | Yea |
| Rizer | — | Yea |
| Running-Marquardt | — | Yea |
| Rogers | — | Yea |
| Sexton | — | Yea |
| Sheets | — | Yea |
| Steckman | — | Yea |
| Thede | — | Yea |
| Upmeyer | — | Yea |
| Watts | — | Yea |
| Wolfe | — | Yea |
| Worthan | — | Yea |
| Anderson | — | Yea |
| Hager | — | Yea |
| Cownie | — | Yea |
| Deyoe | — | Yea |
| Dolecheck | — | Yea |
| Finkenauer | — | Yea |
| Forbes | — | Yea |
| Fry | — | Yea |
| Gaskill | — | Yea |
| Gassman | — | Yea |
| Gustafson | — | Yea |
| Meyer | — | Yea |
| Miller, P. | — | Yea |
| Miller, H. | — | Not Voting |
| Vander Linden | — | Yea |
| Amy Nielsen | Democrat | Yea |
| Art Staed | Democrat | Yea |
| Beth Wessel-Kroeschell | Democrat | Yea |
| Bob Kressig | Democrat | Yea |
| Cindy Winckler | Democrat | Yea |
| David Jacoby | Democrat | Yea |
| Liz Bennett | Democrat | Yea |
| Monica Kurth | Democrat | Yea |
| Rick L. Olson | Democrat | Yea |
| Ruth Ann Gaines | Democrat | Not Voting |
| Timi M. Brown-Powers | Democrat | Yea |
| Bobby Kaufmann | Republican | Yea |
| Dan Zumbach | Republican | Yea |
| David Sieck | Republican | Yea |
| Dean Fisher | Republican | Yea |
| Gary M. Mohr | Republican | Yea |
| Jacob Bossman | Republican | Yea |
| Jane Bloomingdale | Republican | Yea |
| Jeff Taylor | Republican | Yea |
| Jeff Taylor | Republican | Yea |
| Jennifer J. Smith | Republican | Yea |
| Jennifer J. Smith | Republican | Yea |
| John H. Wills | Republican | Yea |
| Matt W. Windschitl | Republican | Yea |
| Megan Jones | Republican | Yea |
| Michael R. Bergan | Republican | Yea |
| Norlin G. Mommsen | Republican | Yea |
| Pat Grassley | Republican | Yea |
| Sandy Salmon | Republican | Yea |
| Shannon Lundgren | Republican | Yea |
| Skyler Wheeler | Republican | Yea |
| Steven C. Holt | Republican | Yea |
| Thomas Jay Moore | Republican | Yea |
Subjects
Frequently asked questions
- Who sponsors HF 2232?
- HF 2232 is sponsored by COMMITTEE ON COMMERCE.
- What is the current status of HF 2232?
- This bill has been enacted into law. Introduced January 30, 2026. Enacted.
- Where can I track HF 2232?
- Track HF 2232 free on One Click Politics — get push/email alerts when it moves.
Make your voice heard on HF 2232
Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.
Stay ahead of HF 2232
Last checked for changes 3 months ago · updated continuously
One Click Politics tracks every bill in Congress and all 50 states.
Track this bill →