{"id":"HI-072","kind":"order","level":"sector-regulator","jurisdiction":"Hawaii","state":"HI","metro":"","industry":"","agency":"","eco":"","issuer":"Hawaii Insurance Commissioner Colin M. Hayashida","authority":"HRS ch. 431, art. 13","instrument":"Commissioner\u0027s Memorandum 2020-4A, Waivers of Certain Requirements for Insurers, Instructions, and Guidelines","title":"Insurance Commissioner\u0027s Memorandum 2020-4A (COVID-19 accommodations not treated as unfair trade practices; virtual inspections; electronic delivery)","dateIssued":"2020-04-27","effective":"2020-04-27","end":"\u0027during this emergency period\u0027","startDate":"2020-04-27","endDate":"2021-09-30","quarters":["2020Q2","2020Q3","2020Q4","2021Q1","2021Q2","2021Q3"],"types":["OTHER","EMP"],"addressees":["all admitted and non-admitted insurers"],"clause":"The Insurance Division will not regard the following activities as unfair trade practices or unfair methods of competition under Hawaii Revised Statutes chapter 431, article 13, and encourages carriers to consider adopting and implementing these activities during this emergency period...: Waiving of fees, penalties, or other charges relating to an insured\u0027s temporary inability to submit premium payments...; Extending of grace periods for payment of premiums; Granting of additional time to policyholders to pay premiums before non-renewals or cancellations become effective;... Allowing of self-auditing and self-reporting in lieu of physical audits to the extent that physical audits are impracticable; Encouraging policyholders to use electronic payment technology... to avoid in person payments... Virtual inspections of property","enforcement":"Regulatory forbearance memorandum","functions":["IN insurance operations (audits, inspections, collections)","OF in-person payment and inspection functions"],"notes":"Incorporates and re-emphasizes all prior COVID-19 memoranda (2020-1LIC, 2020-2LIC licensing examinations; 2020-3I)","sourceUrl":"https://cca.hawaii.gov/wp-content/uploads/2026/03/Commissioners_Memo_2020-4A_4-28-20.pdf","snapshot":"","fileExists":true,"fileBytes":91075,"grade":"primary","character":"","description":"","collection":"HI","url":"/library/HI-072","exhibitUrl":"/exhibit/HI-072","citation":"Hawaii Insurance Commissioner Colin M. Hayashida, Commissioner\u0027s Memorandum 2020-4A, Waivers of Certain Requirements for Insurers, Instructions, and Guidelines (Apr. 27, 2020) (Ex. HI-072)","stateName":"Hawaii","related":[]}