HB 1511: Consumer Protection; Unsolicited Mail and Electronic Mail; Vehicle Warranties; Service Contracts; Home Warranties; Government-Issued Licenses and Registrations; Prohibitions
- Session Year: 2025-2026
- House: House
- Latest Version Date: 2026-04-29
Current Status:
Passed
(2026-06-05: Act 088, on 06/05/2026 (Gov. Msg. No. 1188).)
Introduced
In Committee
First Chamber
In Committee
Second Chamber
Final Decking
Enacted
What does this bill do?
The bill bars companies from sending unsolicited (not requested) mail or email that use high‑pressure tactics or misleadingly imply they are connected to car makers, dealers, insurers, mortgage firms, or government agencies when asking people to pay for things like vehicle or home warranties, service contracts, or license renewals. Such messages must include a clear, prominent statement that the sender is not connected to the named company or agency, that the payment is optional, and that the consumer's existing benefits or rights will not be affected. If the required disclosure is missing, the consumer may cancel any contract signed because of the message and receive a full refund.
The summary is provided by generative AI which can make mistakes. For original language, please view the details in the table below.
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to vehicle warranties, service contracts, home warranties, and government-issued licenses or registrations, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. (CD1)
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (SD1)
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (HD2)
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (HD1)
Prohibits certain entities from distributing unsolicited mail or electronic mail that is reasonably likely to cause a consumer to believe that a vehicle manufacturer, dealer, mortgage loan originator, mortgage servicer, or insurance company is asking the consumer to send money to extend a vehicle warranty or home warranty, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer.
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HOUSE OF REPRESENTATIVES |
H.B. NO. |
1511 |
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THIRTY-THIRD LEGISLATURE, 2026 |
H.D. 2 |
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STATE OF HAWAII |
S.D. 1 |
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C.D. 1 |
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A BILL FOR AN ACT
RELATING TO CONSUMER PROTECTION.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 481B, Hawaii Revised Statutes, is amended by adding a new section to part I to be appropriately designated and to read as follows:
"§481B- Unaffiliated and unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that employs high pressure tactics or is reasonably likely to result in the consumer believing that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to:
(1) An entity representing that a vehicle manufacturer, a new motor vehicle dealer, a used motor vehicle dealer, or an insurance company is asking the consumer to send money to extend a vehicle warranty or purchase a service contract;
(2) An entity representing that a mortgage loan originator, a mortgage loan originator company, a mortgage servicer, or an insurance company is asking the consumer to send money to extend a home warranty; or
(3) An entity representing that a federal, state, or county government, or its agencies, employees, or officers, is asking the consumer to send money to renew a government-issued license or registration,
unless the entity includes a clear and conspicuous statement as specified in subsection (b); provided that if the required statement is not included in the unsolicited mail or electronic mail, any contract entered into as a result of the unsolicited mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) The clear and conspicuous statement required by this section shall be printed or rendered in boldface, fourteen-point type and located in a position reasonably calculated to draw the attention of the reader and shall be as follows:
(1) Unless specifically provided otherwise in this subsection, the statement shall be that:
(A) The entity is not affiliated with the other entity; and
(B) The requested payment is completely optional;
(2) If a consumer is asked to send money to extend a vehicle warranty or purchase a service contract, the statement shall be that:
(A) The entity is not affiliated with the vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company;
(B) The extended vehicle warranty or service contract being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity;
(3) If a consumer is asked to send money to extend a home warranty, the statement shall be that:
(A) The entity is not affiliated with the mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company;
(B) The home warranty being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity; and
(4) If a consumer is asked to send money to renew a government-issued license or registration, the statement shall be that:
(A) The entity is not affiliated with the federal, state, or county government, or its agencies, employees, or officers;
(B) The license or registration renewal being offered is completely optional; and
(C) The consumer's existing license or registration will not be affected by a failure to contact the entity.
(c) Nothing in this section shall be construed to prohibit an entity from distributing mail or electronic mail regarding legitimate communications about goods, services, or forms of legal authorization offered or managed by the entity as long as the mail or electronic mail does not employ high pressure tactics and is not reasonably likely to result in the consumer believing that the sender is affiliated with another entity to which the entity is not actually affiliated, such as vehicle manufacturers distributing service reminders to consumers.
(d) Nothing in this section shall be construed to prohibit an insurer, warranty provider, or service contract provider, or an authorized representative of an insurer, warranty provider, or service contract provider, from communicating with an existing consumer regarding a policy, warranty, or service contract issued or administered by that entity.
(e) For the purposes of this section:
"Affiliated" means a person or entity that is expressly authorized by the insurer, warranty provider, or service contract provider that issued the policy, warranty, or service contract referenced in the communication, and that is acting solely on behalf of that issuing entity in connection with the administration, renewal, or servicing of that specific policy, warranty, or service contract. "Affiliated" does not include a person or entity whose relationship to the consumer arises solely though common ownership, shared branding, marketing arrangements, or any other indirect business relationship.
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"High pressure tactics" means any method of marketing having the effect of or tending to induce the remittance of money through force, fright, or threat, whether explicit or implied, or undue pressure.
"Mortgage loan originator" has the same meaning as defined in section 454F-1.
"Mortgage loan originator company" has the same meaning as defined in section 454F-1.
"Mortgage servicer" has the same meaning as defined in section 454M-1.
"New motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Unsolicited" means a communication sent to a recipient with whom the sender has no existing business relationship, or that was not requested, authorized, or consented to by the recipient.
"Used motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Vehicle manufacturer" has the same meaning as "manufacturer" as defined in section 437-1.1. "Vehicle manufacturer" includes "distributor" as defined in section 437‑1.1."
SECTION 2. New statutory material is underscored.
SECTION 3. This Act shall take effect upon its approval.
Report Title:
Consumer Protection; Unsolicited Mail and Electronic Mail; Vehicle Warranties; Service Contracts; Home Warranties; Government-Issued Licenses and Registrations; Prohibitions
Description:
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to vehicle warranties, service contracts, home warranties, and government-issued licenses or registrations, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. (CD1)
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
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HOUSE OF REPRESENTATIVES |
H.B. NO. |
1511 |
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THIRTY-THIRD LEGISLATURE, 2026 |
H.D. 2 |
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STATE OF HAWAII |
S.D. 1 |
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A BILL FOR AN ACT
RELATING TO CONSUMER PROTECTION.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 481B, Hawaii Revised Statutes, is amended by adding a new section to part I to be appropriately designated and to read as follows:
"§481B- Unaffiliated and unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that employs high pressure tactics or is reasonably likely to result in the consumer believing that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to:
(1) An entity representing that a vehicle manufacturer, a new motor vehicle dealer, a used motor vehicle dealer, or an insurance company is asking the consumer to send money to extend a vehicle warranty or purchase a service contract;
(2) An entity representing that a mortgage loan originator, a mortgage loan originator company, a mortgage servicer, or an insurance company is asking the consumer to send money to extend a home warranty; or
(3) An entity representing that a federal, state, or county government, or its agencies, employees, or officers, is asking the consumer to send money to renew a license or registration,
unless the entity includes a clear and conspicuous statement as specified in subsection (b); provided that if the required statement is not included in the mail or electronic mail, any contract entered into as a result of the unsolicited mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) The clear and conspicuous statement required by this section shall be printed or rendered in boldface, fourteen-point type and located in a position reasonably calculated to draw the attention of the reader and shall be as follows:
(1) Unless specifically provided otherwise in this subsection, the statement shall be that:
(A) The entity is not affiliated with the other entity; and
(B) The requested payment is completely optional;
(2) If a consumer is asked to send money to extend a vehicle warranty or purchase a service contract, the statement shall be that:
(A) The entity is not affiliated with the vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company;
(B) The extended vehicle warranty or service contract being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity;
(3) If a consumer is asked to send money to extend a home warranty, the statement shall be that:
(A) The entity is not affiliated with the mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company;
(B) The home warranty being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity; and
(4) If a consumer is asked to send money to renew a license or registration, the statement shall be that:
(A) The entity is not affiliated with the federal, state, or county government, or its agencies, employees, or officers;
(B) The license or registration renewal being offered is completely optional; and
(C) The consumer's existing license or registration will not be affected by a failure to contact the entity.
(c) Nothing in this section shall be construed to prohibit an entity from distributing mail or electronic mail regarding legitimate communications about goods, services, or forms of legal authorization offered or managed by the entity as long as the mail does not employ high pressure tactics and is not reasonably likely to result in the consumer believing that the sender is affiliated with another entity to which the entity is not actually affiliated, such as vehicle manufacturers distributing service reminders to consumers.
(d) Nothing in this section shall be construed to prohibit an insurer, warranty provider, or service contract provider, or an authorized representative of an insurer, warranty provider, or service contract provider, from communicating with an existing customer regarding a policy, warranty, or service contract issued or administered by that entity.
(e) For the purposes of this section:
"Affiliated" means a person or entity that has an existing business relationship with a consumer and is authorized to solicit service contracts or extended warranties by the insurer, warranty provider, or service contract provider that issued the policy, warranty, or service contract referenced in the communication.
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"High pressure tactics" means any method of marketing having the effect of or tending to induce the remittance of money through force, fright, or threat, whether explicit or implied, or undue pressure.
"Mortgage loan originator" has the same meaning as defined in section 454F-1.
"Mortgage loan originator company" has the same meaning as defined in section 454F-1.
"Mortgage servicer" has the same meaning as defined in section 454M-1.
"New motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Unsolicited" means a communication sent to a recipient with whom the sender has no existing business relationship, or that was not requested, authorized, or consented to by the recipient.
"Used motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Vehicle manufacturer" has the same meaning as "manufacturer" as defined in section 437-1.1. "Vehicle manufacturer" includes "distributor" as defined in section 437‑1.1."
SECTION 2. New statutory material is underscored.
SECTION 3. This Act shall take effect on July 1, 3000.
Report Title:
Consumer Protection; Unsolicited Mail and Electronic Mail; Prohibitions
Description:
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (SD1)
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
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HOUSE OF REPRESENTATIVES |
H.B. NO. |
1511 |
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THIRTY-THIRD LEGISLATURE, 2026 |
H.D. 2 |
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STATE OF HAWAII |
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A BILL FOR AN ACT
RELATING TO CONSUMER PROTECTION.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 481B, Hawaii Revised Statutes, is amended by adding a new section to part I to be appropriately designated and to read as follows:
"§481B- Unaffiliated and unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that employs high pressure tactics or is reasonably likely to result in the consumer believing that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to:
(1) An entity representing that a vehicle manufacturer, a new motor vehicle dealer, a used motor vehicle dealer, or an insurance company is asking the consumer to send money to extend a vehicle warranty or purchase a service contract;
(2) An entity representing that a mortgage loan originator, a mortgage loan originator company, a mortgage servicer, or an insurance company is asking the consumer to send money to extend a home warranty; or
(3) An entity representing that a federal, state, or county government, or its agencies, employees, or officers, is asking the consumer to send money to renew a license or registration,
unless the entity includes a clear and conspicuous statement as specified in subsection (b); provided that if the required statement is not included in the mail or electronic mail, any contract entered into as a result of the unsolicited mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) The clear and conspicuous statement required by this section shall be printed or rendered in boldface, fourteen-point type and located in a position reasonably calculated to draw the attention of the reader and shall be as follows:
(1) Unless specifically provided otherwise in this subsection, the statement shall be that:
(A) The entity is not affiliated with the other entity; and
(B) The requested payment is completely optional;
(2) If a consumer is asked to send money to extend a vehicle warranty or purchase a service contract, the statement shall be that:
(A) The entity is not affiliated with the vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company;
(B) The extended vehicle warranty or service contract being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity;
(3) If a consumer is asked to send money to extend a home warranty, the statement shall be that:
(A) The entity is not affiliated with the mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company;
(B) The home warranty being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity; and
(4) If a consumer is asked to send money to renew a license or registration, the statement shall be that:
(A) The entity is not affiliated with the federal, state, or county government, or its agencies, employees, or officers;
(B) The license or registration renewal being offered is completely optional; and
(C) The consumer's existing license or registration will not be affected by a failure to contact the entity.
(c) Nothing in this section shall be construed to prohibit an entity from distributing mail or electronic mail regarding legitimate communications about goods, services, or forms of legal authorization offered or managed by the entity as long as the mail does not employ high pressure tactics and is not reasonably likely to result in the consumer believing that the sender is affiliated with another entity to which the entity is not actually affiliated, such as vehicle manufacturers distributing service reminders to consumers.
(d) For purposes of this section:
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"High pressure tactics" means any method of marketing having the effect of or tending to induce the remittance of money through force, fright, or threat, whether explicit or implied, or undue pressure.
"Mortgage loan originator" has the same meaning as defined in section 454F-1.
"Mortgage loan originator company" has the same meaning as defined in section 454F-1.
"Mortgage servicer" has the same meaning as defined in section 454M-1.
"New motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Used motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Vehicle manufacturer" has the same meaning as "manufacturer" as defined in section 437-1.1. "Vehicle manufacturer" includes "distributor" as defined in section 437-1.1."
SECTION 2. New statutory material is underscored.
SECTION 3. This Act shall take effect on July 1, 3000.
Report Title:
Consumer Protection; Unsolicited Mail and Electronic Mail; Prohibitions
Description:
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (HD2)
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
|
HOUSE OF REPRESENTATIVES |
H.B. NO. |
1511 |
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THIRTY-THIRD LEGISLATURE, 2026 |
H.D. 1 |
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|
STATE OF HAWAII |
|
|
|
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|
|
|
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|
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A BILL FOR AN ACT
RELATING TO CONSUMER PROTECTION.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 481B, Hawaii Revised Statutes, is amended by adding a new section to part I to be appropriately designated and to read as follows:
"§481B- Unaffiliated and unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that employs high pressure tactics or is reasonably likely to result in the consumer believing that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, including but not limited to:
(1) An entity representing that a vehicle manufacturer, a new motor vehicle dealer, a used motor vehicle dealer, or an insurance company is asking the consumer to send money to extend a vehicle warranty or purchase a service contract;
(2) An entity representing that a mortgage loan originator, a mortgage loan originator company, a mortgage servicer, or an insurance company is asking the consumer to send money to extend a home warranty; or
(3) An entity representing that a federal, state, or county government, or its agencies, employees, or officers, is asking the consumer to send money to renew a license or registration,
unless the entity includes a clear and conspicuous statement as specified in subsection (b), printed or rendered in bold face fourteen point type and located in a position that is reasonably calculated to draw the attention of the reader; provided that if the notice of opt-in is not included in the mail or electronic mail, any contract entered into as a result of the unsolicited mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) The clear and conspicuous statement shall be as follows:
(1) Unless specifically provided otherwise in this subsection, the statement shall be that:
(A) The entity is not affiliated with the other entity; and
(B) The requested payment is completely optional;
(2) If a consumer is asked to send money to extend a vehicle warranty or purchase a service contract, the statement shall be that:
(A) The entity is not affiliated with the vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company; and
(B) The extended vehicle warranty or service contract being offered is completely optional;
(3) If a consumer is asked to send money to extend a home warranty, the statement shall be that:
(A) The entity is not affiliated with the mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company;
(B) The home warranty being offered is completely optional; and
(C) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity; and
(4) If a consumer is asked to send money to renew a license or registration, the statement shall be that:
(A) The entity is not affiliated with the federal, state, or county government, or its agencies, employees, or officers;
(B) The license or registration renewal being offered is completely optional; and
(C) The consumer's existing license or registration will not be affected by a failure to contact the entity.
(c) Nothing in this section shall be construed to prohibit an entity from distributing mail or electronic mail regarding legitimate communications about goods, services, or forms of legal authorization offered or managed by the entity as long as the mail does not employ high pressure tactics and is not reasonably likely to result in the consumer believing that the sender is affiliated with another entity to which the entity is not actually affiliated, such as automobile manufacturers distributing service reminders to consumers.
(d) For purposes of this section:
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"High pressure tactics" means any method of marketing having the effect of or tending to induce the remittance of money through force, fright, or threat, whether explicit or implied, or undue pressure.
"Mortgage loan originator" has the same meaning as defined in section 454F-1.
"Mortgage loan originator company" has the same meaning as defined in section 454F-1.
"Mortgage servicer" has the same meaning as defined in section 454M-1.
"New motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Used motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Vehicle manufacturer" has the same meaning as "manufacturer" as defined in section 437-1.1. "Vehicle manufacturer" includes "distributor" as defined in section 437-1.1."
SECTION 2. New statutory material is underscored.
SECTION 3. This Act shall take effect on July 1, 3000.
Report Title:
Consumer Protection; Unsolicited Mail and Electronic Mail; Prohibitions
Description:
Prohibits entities from distributing unsolicited mail or electronic mail that employs high pressure tactics or is reasonably likely to cause a consumer to believe that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer. Effective 7/1/3000. (HD1)
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
|
HOUSE OF REPRESENTATIVES |
H.B. NO. |
1511 |
|
THIRTY-THIRD LEGISLATURE, 2026 |
|
|
|
STATE OF HAWAII |
|
|
|
|
|
|
|
|
||
|
|
||
A BILL FOR AN ACT
relating to consumer protection.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 481B, Hawaii Revised Statutes, is amended by adding two new sections to part I to be appropriately designated and to read as follows:
"§481B- Vehicle warranties; unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that is reasonably likely to result in the consumer believing that a vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company is asking the consumer to send money to extend a vehicle warranty, unless the entity includes a clear and conspicuous statement, printed or rendered in bold face fourteen point type and located in a position that is reasonably calculated to draw the attention of the reader, that:
(1) The entity is not affiliated with the vehicle manufacturer, new motor vehicle dealer, used motor vehicle dealer, or insurance company; and
(2) The extended vehicle warranty being offered is completely optional;
provided that if the notice of opt-in is not included in the mail or electronic mail, any contract entered into as a result of the unsolicited mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) For purposes of this section:
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"New motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Used motor vehicle dealer" has the same meaning as defined in section 437-1.1.
"Vehicle manufacturer" has the same meaning as "manufacturer" as defined in section 437-1.1.
§481B- Home warranties; unsolicited mail and electronic mail. (a) No entity shall distribute unsolicited mail or electronic mail to a consumer that is reasonably likely to result in the consumer believing that a mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company is asking the consumer to send money to extend a home warranty, unless the entity includes a clear and conspicuous statement, printed or rendered in bold face fourteen point type and located in a position that is reasonably calculated to draw the attention of the reader, that:
(1) The entity is not affiliated with the mortgage loan originator, mortgage loan originator company, mortgage servicer, or insurance company;
(2) The home warranty being offered is completely optional; and
(3) The consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity;
provided that if the notice of opt-in is not included in the mail or electronic mail, any contract entered into as a result of the mail or electronic mail shall be voidable at the option of the consumer, and any money paid by the consumer under the contract shall be refunded in full.
(b) As used in this section:
"Entity" means a person, firm, partnership, association, or corporation, or agent or employee thereof.
"Mortgage loan originator" has the same meaning as defined in section 454F-1.
"Mortgage loan originator company" has the same meaning as defined in section 454F-1.
"Mortgage servicer" has the same meaning as defined in section 454M-1."
SECTION 3. New statutory material is underscored.
SECTION 4. This Act shall take effect upon its approval.
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INTRODUCED BY: |
_____________________________ |
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Report Title:
Consumer Protection; Vehicle Warranties; Home Warranties; Unsolicited Mail and Electronic Mail; Vehicle Manufacturers; Dealers; Insurers; Mortgage Loan Originators; Mortgage Servicers; Prohibitions
Description:
Prohibits certain entities from distributing unsolicited mail or electronic mail that is reasonably likely to cause a consumer to believe that a vehicle manufacturer, dealer, mortgage loan originator, mortgage servicer, or insurance company is asking the consumer to send money to extend a vehicle warranty or home warranty, unless certain disclosures are met. Makes contracts that fail to meet disclosure requirements voidable at the option of the consumer.
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
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Date
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Status
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|---|---|
| Jun 5, 2026 | Act 088, on 06/05/2026 (Gov. Msg. No. 1188). |
| Jun 5, 2026 | Act 088, 06/05/2026 (Gov. Msg. No. 1188). |
| May 8, 2026 | Received notice of passage on Final Reading in House (Hse. Com. No. 888). |
| May 7, 2026 | Transmitted to Governor. |
| May 6, 2026 | Received notice of Final Reading (Sen. Com. No. 816). |
| May 6, 2026 | Passed Final Reading as amended in CD 1 with none voting aye with reservations; Representative(s) Garcia, Muraoka, Pierick voting no (3) and none excused (0). |
| May 6, 2026 | Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none. |
| Apr 29, 2026 | 48 Hrs. Notice (as amended CD 1) 05-06-26 |
| Apr 29, 2026 | Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 62-26). |
| Apr 29, 2026 | Forty-eight (48) hours notice Wednesday, 05-06-26. |
| Apr 29, 2026 | Reported from Conference Committee (Conf Com. Rep. No. 62-26) as amended in (CD 1). |
| Apr 27, 2026 | The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Keohokalole, Rhoads, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none. |
| Apr 27, 2026 | The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Matayoshi, Tarnas, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none. |
| Apr 24, 2026 | Bill scheduled for Conference Committee Meeting on Monday, 04-27-26 2:30PM in conference room 224. |
| Apr 23, 2026 | Received notice of Senate conferees (Sen. Com. No. 725). |
| Apr 22, 2026 | Senate Conferees Appointed: Keohokalole Chair; Rhoads Co-Chair; Awa. |
| Apr 21, 2026 | Received notice of appointment of House conferees (Hse. Com. No. 799). |
| Apr 21, 2026 | House Conferees Appointed: Matayoshi, Tarnas Co-Chairs; Pierick. |
| Apr 17, 2026 | Received notice of disagreement (Hse. Com. No. 780). |
| Apr 16, 2026 | House disagrees with Senate amendment (s). |
| Apr 14, 2026 | Returned from Senate (Sen. Com. No. 575) in amended form (SD 1). |
| Apr 14, 2026 | Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House. |
| Apr 10, 2026 | One Day Notice 04-14-26. |
| Apr 10, 2026 | Reported from JDC (Stand. Com. Rep. No. 3752) with recommendation of passage on Third Reading. |
| Apr 1, 2026 | The committee(s) on JDC recommend(s) that the measure be PASSED, UNAMENDED. The votes in JDC were as follows: 4 Aye(s): Senator(s) Rhoads, Chang, San Buenaventura, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Gabbard. |
| Mar 30, 2026 | The committee(s) on JDC will hold a public decision making on 04-01-26 10:40AM; Conference Room 016 & Videoconference. |
| Mar 25, 2026 | Report adopted; Passed Second Reading, as amended (SD 1) and referred to JDC. |
| Mar 25, 2026 | Reported from CPN (Stand. Com. Rep. No. 3182) with recommendation of passage on Second Reading, as amended (SD 1) and referral to JDC. |
| Mar 18, 2026 | The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none. |
| Mar 13, 2026 | The committee(s) on CPN has scheduled a public hearing on 03-18-26 9:30AM; Conference Room 229 & Videoconference. |
| Mar 12, 2026 | Referred to CPN, JDC. |
| Mar 12, 2026 | Passed First Reading. |
| Mar 12, 2026 | Received from House (Hse. Com. No. 233). |
| Mar 10, 2026 | Passed Third Reading as amended in HD 2 with none voting aye with reservations; Representative(s) Garcia voting no (1) and Representative(s) Pierick excused (1). Transmitted to Senate. |
| Mar 6, 2026 | Forty-eight (48) hours notice Tuesday, 03-10-26. |
| Mar 6, 2026 | Reported from JHA (Stand. Com. Rep. No. 1109-26) as amended in HD 2, recommending passage on Third Reading. |
| Mar 3, 2026 | The committee on JHA recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Tarnas, Poepoe, Belatti, Hashem, Kahaloa, Sayama, Takayama, Shimizu; Ayes with reservations: Representative(s) Garcia; Noes: none; and 1 Excused: Representative(s) Cochran. |
| Feb 27, 2026 | Bill scheduled to be heard by JHA on Tuesday, 03-03-26 2:00PM in House conference room 325 VIA VIDEOCONFERENCE. |
| Feb 20, 2026 | Passed Second Reading as amended in HD 1 and referred to the committee(s) on JHA with none voting aye with reservations; Representative(s) Pierick voting no (1) and Representative(s) Quinlan excused (1). |
| Feb 20, 2026 | Reported from CPC (Stand. Com. Rep. No. 675-26) as amended in HD 1, recommending passage on Second Reading and referral to JHA. |
| Feb 10, 2026 | The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 11 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Ichiyama, Iwamoto, Kong, Lowen, Marten, Tam, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none. |
| Feb 6, 2026 | Bill scheduled to be heard by CPC on Tuesday, 02-10-26 2:00PM in House conference room 329 VIA VIDEOCONFERENCE. |
| Jan 26, 2026 | Referred to CPC, JHA, referral sheet 1 |
| Jan 21, 2026 | Introduced and Pass First Reading. |
| Jan 14, 2026 | Prefiled. |
|
Date
|
Description
|
Location
|
Votes
|
|
|---|---|---|---|---|
| May 6, 2026 | Final Reading | House Floor |
Passed |
|
| May 6, 2026 | Final Reading | Senate Floor |
Passed |
|
| Apr 14, 2026 | Third Reading | Senate Floor |
Passed |
|
| Apr 1, 2026 | The committee(s) on JDC recommend(s) that the measure be PASSED, UNAMENDED | Senate Standing Committee on Judiciary |
Passed |
|
| Mar 18, 2026 | The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS | Senate Standing Committee on Commerce and Consumer Protection |
Passed |
|
| Mar 10, 2026 | Third Reading | House Floor |
Passed |
|
| Mar 3, 2026 | The committee on JHA recommend that the measure be PASSED, WITH AMENDMENTS | House Standing Committee on Judiciary & Hawaiian Affairs |
Passed |
|
| Feb 10, 2026 | The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS | House Standing Committee on Consumer Protection & Commerce |
Passed |
This list shows positions taken on this bill by organizations on the date displayed, which is linked to the original source.
Positions by individuals are not included.
|
Organization
|
Position
|
Date
|
|---|---|---|
| American Property Casualty Insurance Association and Service Contract Industry Council | ** Against | |
| American Property Casualty Insurance Association | *** Against | Feb 10, 2026 |
| APCIA | *** Against | Feb 10, 2026 |
| Department of Commerce and Consumer Affairs | *** Support | Mar 31, 2026 |
| Hawaiʻi Automobile Dealers Association | *** Against | Mar 31, 2026 |
| Insurance Division | *** Support | Mar 31, 2026 |
| Mortgage Bankers Association of Hawaii | ** Support | |
| Mortgage Bankers Association of Hawaii | ** Support | |
| Mortgage Bankers Association of Hawaii | *** Support | Mar 31, 2026 |
| Office of Consumer Protection | *** Support | Mar 31, 2026 |
| SCIC | *** Against | Feb 10, 2026 |
| Service Contract Industry Council | *** Against | Feb 10, 2026 |
STAND. COM. REP. NO. 1109-26
Honolulu, Hawaii
, 2026
RE: H.B. No. 1511
H.D. 2
Honorable Nadine K. Nakamura
Speaker, House of Representatives
Thirty-Third State Legislature
Regular Session of 2026
State of Hawaii
Madame:
Your Committee on Judiciary & Hawaiian Affairs, to which was referred H.B. No. 1511, H.D. 1, entitled:
"A BILL FOR AN ACT RELATING TO CONSUMER PROTECTION,"
begs leave to report as follows:
Your Committee received testimony in support of this measure from the Department of Commerce and Consumer Affairs; Mortgage Bankers Association of Hawaii; and two individuals. Your Committee received testimony in opposition to this measure from the Hawaiʻi Automobile Dealers Association. Your Committee received comments on this measure from the Alliance for Automotive Innovation.
Your Committee finds that there has been an increase in the use of unsolicited mailers that employ urgent, official sounding language to create the false impression that a manufacturers warranty or mortgage protection is expiring. These tactics are designed to pressure consumers into purchasing expensive service contracts by mimicking the appearance of correspondence from an original manufacturer, dealer, or lender. This measure offers a practical solution by requiring senders to be transparent about their identity and strengthens the State's Unfair or Deceptive Acts and Practices law by specifically targeting an evolving form of marketing fraud.
Your Committee has amended this measure by:
(1) Clarifying that consumer's existing benefits, rights, and protections will not be affected by a failure to contact the entity regarding a vehicle warranty or service contract; and
(2) Making technical, nonsubstantive amendments for the purposes of clarity, consistency, and style.
As affirmed by the record of votes of the members of your Committee on Judiciary & Hawaiian Affairs that is attached to this report, your Committee is in accord with the intent and purpose of H.B. No. 1511, H.D. 1, as amended herein, and recommends that it pass Third Reading in the form attached hereto as H.B. No. 1511, H.D. 2.
Respectfully submitted on behalf of the members of the Committee on Judiciary & Hawaiian Affairs,
|
|
|
____________________________ DAVID A. TARNAS, Chair |
|
|
|
|
STAND. COM. REP. NO. 675-26
Honolulu, Hawaii
, 2026
RE: H.B. No. 1511
H.D. 1
Honorable Nadine K. Nakamura
Speaker, House of Representatives
Thirty-Third State Legislature
Regular Session of 2026
State of Hawaii
Madame:
Your Committee on Consumer Protection & Commerce, to which was referred H.B. No. 1511 entitled:
"A BILL FOR AN ACT RELATING TO CONSUMER PROTECTION,"
begs leave to report as follows:
Your Committee finds that many consumers receive letters purporting to originate from a motor vehicle manufacturer or dealer or a mortgage loan originator or loan servicer. The letter will state that the consumer's motor vehicle or home warranty needs to be extended and pressures the consumer into completing the transaction as soon as possible. While these letters may appear real, these letters are known attempts to fraudulently take a consumer's money. This measure imposes a disclosure requirement that will assist consumers in distinguishing between authentic communications from their motor vehicle manufacturer or dealer or mortgage loan originator or loan servicer from other third parties.
Your Committee has amended this measure by:
(1) Broadening its applicability to any entity that distributes unsolicited mail or electronic mail to a consumer that employs high pressure tactics or is reasonably likely to result in the consumer believing that the sender is affiliated with another entity that the sender is not actually affiliated with and the entity is asking the recipient to pay for goods, services, or forms of legal authorization;
(2) Clarifying that this measure applies to situations where a consumer is asked to send money to purchase a service contract;
(3) Clarifying that this measure also applies to situations where an entity represents that a federal, state, or county government, or its agencies, employees, or officers, is asking the consumer to send money to renew a license or registration;
(4) Specifying that this measure should not be construed to prohibit an entity from distributing legitimate communications about goods, services, or forms of legal authorization as long as the communication does not employ high pressure tactics or is not reasonably likely to result in the consumer believing that the sender is affiliated with another entity to which the sender is not actually affiliated;
(5) Changing the effective date to July 1, 3000, to encourage further discussion; and
(6) Making technical, nonsubstantive amendments for the purposes of clarity, consistency, and style.
As affirmed by the record of votes of the members of your Committee on Consumer Protection & Commerce that is attached to this report, your Committee is in accord with the intent and purpose of H.B. No. 1511, as amended herein, and recommends that it pass Second Reading in the form attached hereto as H.B. No. 1511, H.D. 1, and be referred to your Committee on Judiciary & Hawaiian Affairs.
Respectfully submitted on behalf of the members of the Committee on Consumer Protection & Commerce,
|
|
|
____________________________ SCOT Z. MATAYOSHI, Chair |
|
|
|
|
|
Date
|
Testimony PDF
|
|---|---|
| Mar 31, 2026 | HB1511_SD1_TESTIMONY_JDC_04-01-26_.PDF |
| Mar 18, 2026 | HB1511_HD2_TESTIMONY_CPN_03-18-26_.PDF |
| Mar 3, 2026 | HB1511_HD1_TESTIMONY_JHA_03-03-26_.PDF |
| Feb 10, 2026 | HB1511_TESTIMONY_CPC_02-10-26_.PDF |
Discussed in Hearing
4MIN
Conference Committee
35SEC
Senate Standing Committee on Judiciary
3MIN
Senate Standing Committee on Commerce and Consumer Protection
2MIN
Senate Standing Committee on Commerce and Consumer Protection
2MIN
House Standing Committee on Judiciary & Hawaiian Affairs
48SEC
House Standing Committee on Judiciary & Hawaiian Affairs
2MIN
House Standing Committee on Consumer Protection & Commerce
39SEC
