Keeping Violent Offenders Off Our Streets Act of 2025
Last recorded step: House, May 18, 2026.
Nothing scheduled on the calendars we hold.
This bill would classify bail bond activities as the business of insurance, subjecting bail funds to federal fraud laws and state rules.
This summary may be out of date
Last regenerated The bill has had legislative action since.
What it does
This bill would expand the federal definition of the "business of insurance" to include the posting of monetary bail, criminal bail bonds, and federal immigration bail bonds. Under this change, organizations that pay cash bonds or bail for defendants, such as charitable bail funds, would be subject to federal criminal laws regarding insurance fraud. Additionally, these entities would be required to comply with state licensing requirements and regulations set by state insurance commissions.
Who is affected
This bill affects entities and organizations that pay cash bonds or bail for defendants, such as charitable bail funds, by classifying their activities as the business of insurance. These organizations, along with individuals involved in posting monetary bail and criminal or federal immigration bail bonds, would become subject to federal insurance fraud laws. Additionally, these entities would be required to comply with state licensing requirements and regulations overseen by state insurance commissions.
Key provisions
- Expansion of the definition of the business of insurance. The bill expands the federal definition of the business of insurance to include the posting of monetary bail, criminal bail bonds, and federal immigration bail bonds.
- Application of federal insurance fraud laws to bail activities. By redefining the business of insurance, the bill makes entities that pay cash bonds or bail for defendants subject to federal criminal provisions related to insurance fraud.
- State regulation of bail organizations. Entities and organizations that pay bail, such as charitable bail funds, are required to comply with state licensing requirements and regulation by state insurance commissions.
Fiscal impact
Not applicable: No CBO cost estimate available
Effective dates
Not applicable: Official Summary does not address effective dates
Relationship to existing law
This bill expands the definition of the "business of insurance" within the context of existing federal insurance fraud crimes to include the posting of monetary bail and bail bonds. By doing so, it subjects entities that pay bail for defendants to federal criminal provisions, state licensing requirements, and regulation by state insurance commissions.
Stated purpose
This bill aims to regulate entities and organizations that pay cash bond or bail for defendants, such as charitable bail funds, by classifying their activities as the business of insurance. This change subjects these organizations to federal criminal provisions regarding insurance fraud and requires them to comply with state licensing and insurance commission regulations.