The Banking & Insurance Subcommittee heard three bills: H.5162 to extend fraud protections and introduce 'trusted contacts' for adults 55+, H.3227 to require notice when residential policies lack earthquake coverage (effective date amended to 2027-01-01), and H.3257 to restrict insurers' use of genetic information in underwriting; industry witnesses testified and all bills were sent to the full committee as amended or discussed.