This Act may be cited as the Business of Insurance Regulatory Reform Act of 2025.

Section 1027(f) of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5517(f)U.S. Code — Title 12, Section 5517(f)View official source on GovInfo) is amended— (1) in paragraph (2)— (A) by striking Description of activities.— Paragraph (1) and inserting: Exceptions.— (A) Authority Paragraph (1); and (B) by inserting after subparagraph (A) (as added by this Act) the following new subparagraph: (B) Limitation With respect to a person regulated by a State insurance regulator— (i) and if such person is offering or providing a consumer financial product or service, the Bureau may not enforce this title with respect to such person to the extent such person is engaged in the business of insurance; or (ii) and if such person is subject to any enumerated consumer law or any law for which authorities are transferred under subtitle F or H, the authority of the Bureau to enforce such law with respect to such person shall be narrowly construed to the extent such person is engaged in the business of insurance.; and (2) by adding at the end the following new paragraph: (4) Rule of construction The enforcement of this title shall be broadly construed in favor of the authority of a State insurance regulator with respect to a person regulated by a State insurance regulator..