# Iowa HF 2232: A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults. (Formerly HSB 516.) Effective date: 07/01/2026. Iowa HF 2232, A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults. (Formerly HSB 516.) Effective date: 07/01/2026., is a 91st General Assembly (2025–2026) House bill sponsored by COMMITTEE ON COMMERCE; status signed, last action 2026-04-09 (Signed by Governor.) (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/IA-HF2232-2025-2026 - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Iowa HF 2232 - State: Iowa - Session: 91st General Assembly (2025–2026) - Title: A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults. (Formerly HSB 516.) Effective date: 07/01/2026. - Status: signed - Chamber: House - Introduced: 2026-01-30 - Last action: 2026-04-09, Signed by Governor. - Sponsor: COMMITTEE ON COMMERCE - Cosponsors: 0 - Touches household money: no - Roll calls: 2 (137 yes, 0 no in all) - Economic provisions PRIA read: 3 ## Summary No summary available. ## Bill overview: provisions PRIA read - Safe contacts can receive exploitation alerts: benefit, low. Beginning July 1, 2026, insurers and qualified individuals can report suspected exploitation of eligible adults to Iowa's insurance commissioner. These reports are allowed, not required, and can cover past, attempted, or ongoing exploitation. They can also alert contacts designated by the adult or… - Insurers must strengthen adult exploitation safeguards: benefit, low. Beginning July 1, 2026, insurers must support investigations by sharing relevant exploitation records with Iowa's insurance commissioner and law enforcement. Records include account history and transaction or payment requests; shared records are confidential and unavailable for public inspection. E… - Exploitation safeguards can delay adults' money: mixed, low. Beginning July 1, 2026, insurers can hold transactions when an internal review supports a reasonable belief of likely financial exploitation. This protects eligible adults covered by state law, including beneficiaries of the affected policy, contract, or account. Covered payments include life insur… ## Sponsors and cosponsors - Sponsor: COMMITTEE ON COMMERCE ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-03-23 | Senate | Passed Senate | pass | 47 | 0 | | | 2026-03-02 | House | Passed House | pass | 90 | 0 | | ## Actions (12) - 2026-04-09: Signed by Governor. (House) - 2026-04-09: Reported correctly enrolled, signed by Speaker and President, and sent to Governor. (House) - 2026-03-24: Message from Senate. (House) - 2026-03-23: Immediate message. (Senate) - 2026-03-23: Passed Senate, yeas 47, nays 0. (Senate) - 2026-03-23: Substituted for SF 2454. (Senate) - 2026-03-19: Placed on calendar under unfinished business. (Senate) - 2026-03-03: Read first time, attached to SF 2454. (Senate) - 2026-03-03: Message from House. (Senate) - 2026-03-02: Immediate message. (House) - 2026-03-02: Passed House, yeas 90, nays 0. (House) - 2026-01-30: Introduced, placed on calendar. (House) ## Bill text - As Introduced: [PDF](https://www.legis.iowa.gov/docs/publications/LGI/91/HF2232.pdf) - Enrolled: [PDF](https://www.legis.iowa.gov/docs/publications/LGE/91/HF2232.pdf) ## Related bills - HF 2801: A bill for an act modifying the major economic growth attraction program, and including effective date provisions. (Formerly HSB 785.) Effective date: 10/02/20… (signed) - SF 2472: A bill for an act relating to state and local government taxes, fees, financial authority, and budgets, by modifying property assessment provisions, divisions… (signed) - HF 2601: A bill for an act relating to campaign finance, including participation in ballot issue campaigns by foreign nationals and investigations of election misconduc… (signed) - SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Formerly SF 2317, SSB 3121.) Effective date: 07/01/2026. (signed) - SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly SSB 3162.) Effective date: 07/01/2026. (signed) - SF 2299: A bill for an act relating to the district-to-community college sharing or concurrent enrollment program. (Formerly SF 2176.) Vetoed 6-2-26. (vetoed) ## Sources - [As Introduced (PDF)](https://www.legis.iowa.gov/docs/publications/LGI/91/HF2232.pdf) - [Enrolled (PDF)](https://www.legis.iowa.gov/docs/publications/LGE/91/HF2232.pdf) ## Related - [HF 2801: A bill for an act modifying the major economic growth attraction program, and i…](https://policyrisk.com/state-bill/IA-HF2801-2025-2026) - [SF 2472: A bill for an act relating to state and local government taxes, fees, financial…](https://policyrisk.com/state-bill/IA-SF2472-2025-2026) - [HF 2601: A bill for an act relating to campaign finance, including participation in ball…](https://policyrisk.com/state-bill/IA-HF2601-2025-2026) - [SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Former…](https://policyrisk.com/state-bill/IA-SF2471-2025-2026) - [SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly S…](https://policyrisk.com/state-bill/IA-SF2399-2025-2026) - [SF 2299: A bill for an act relating to the district-to-community college sharing or conc…](https://policyrisk.com/state-bill/IA-SF2299-2025-2026) - [Iowa bills](https://policyrisk.com/states/iowa/bills) - [Iowa state hub](https://policyrisk.com/states/iowa) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IA-HF2232-2025-2026 (as of 2026-10-19).