Minnesota insurance fraud referrals now go to the BCA, not Commerce
Minnesota insurance fraud referrals now go to the BCA, not Commerce
2026-09-12 · Minnesota · Regulation
What happened. The Minnesota Commerce Fraud Bureau no longer exists. Its criminal investigative function has moved to a new Financial Crimes and Fraud Section at the Bureau of Criminal Apprehension.
The change began by executive order in January 2025 and was codified by the Legislature: Minn. Stat. § 299C.061, created by Laws 2025, ch. 35, art. 3, § 19, and amended in 2026 by chapters 88, 127 and 128.1
What the new section says
Section 299C.061 establishes the Financial Crimes and Fraud Section within the BCA, operated by the superintendent, investigating “insurance fraud, financial crimes, wage theft, and fraud involving state-funded or administered programs or services.”
The companion change is at Minn. Stat. § 45.0135. A new subdivision 2g provides that “The Bureau of Criminal Apprehension shall conduct investigations of criminal insurance fraud… in accordance with section 299C.061.” The subdivisions that housed the Commerce Fraud Bureau's own investigative apparatus — subds. 2a, 2c through 2f, and 3 through 5 — were repealed by the same act.2
What Commerce kept
A narrower civil and administrative role, at § 45.0135, subd. 2b: the Commissioner may “review notices and reports submitted by authorized insurers… regarding insurance fraud” and “initiate inquiries and conduct investigations.”
So Commerce remains the right door for licensee and market-conduct complaints — against an insurer, an agent or an adjuster. Criminal referrals go to the BCA.
Why it matters to association boards
No filing duty and no deadline attaches to any association. This is a routing change, and it becomes relevant in exactly one season: after Minnesota hail.
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Related Minnesota HOA Topics
- Minn. Stat. § 299C.061 — Financial Crimes and Fraud Section, Bureau of Criminal Apprehension ↩
- Minn. Stat. § 45.0135 — insurance fraud; Commerce role after the 2025 repeals ↩
- “Report Fraud” — Minnesota Department of Commerce intake page ↩
- Minnesota Star Tribune, “Property insurance increases of 400% seen at some condos, HOA properties” (21 Mar. 2025), as filed with the Minnesota House ↩
- S.F. 2324 bill status (attorney general enforcement of ch. 515B; never heard) — Minnesota Revisor of Statutes ↩
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