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Office of the Revisor of Statutes

Office of the Revisor of Statutes

HF 2403

1st Engrossment - 94th Legislature (2025 - 2026)

Posted on 04/07/2025 04:58 p.m.

KEY: stricken = removed, old language.
underscored = added, new language.
Version List HF2403 Authors and Status
PDF Rtf
Line numbers 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 1.9 1.10 1.11 1.12 1.13 1.14 1.15 1.16 1.17 1.18 1.19 1.20 1.21 1.22 1.23 1.24 1.25 1.26 1.27 1.28 1.29 1.30 1.31 1.32 1.33 1.34 2.1
2.2 2.3
2.4 2.5 2.6 2.7 2.8 2.9 2.10
2.11 2.12 2.13 2.14 2.15 2.16 2.17 2.18 2.19 2.20 2.21 2.22 2.23 2.24 2.25 2.26 2.27 2.28 2.29 2.30 2.31 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 3.11 3.12 3.13 3.14 3.15 3.16 3.17 3.18 3.19 3.20 3.21 3.22 3.23 3.24 3.25 3.26 3.27 3.28 3.29 3.30 3.31 3.32 3.33 3.34 3.35 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 4.12 4.13 4.14 4.15 4.16 4.17 4.18 4.19 4.20 4.21 4.22 4.23 4.24 4.25 4.26 4.27 4.28 4.29 4.30 4.31 4.32 4.33 4.34 4.35 5.1 5.2 5.3 5.4 5.5 5.6 5.7 5.8 5.9 5.10 5.11 5.12 5.13 5.14 5.15 5.16 5.17 5.18 5.19 5.20 5.21 5.22 5.23 5.24 5.25 5.26 5.27 5.28 5.29 5.30 5.31 5.32 5.33 5.34 6.1 6.2 6.3 6.4 6.5 6.6 6.7 6.8 6.9 6.10 6.11 6.12
6.13 6.14 6.15 6.16 6.17 6.18 6.19 6.20 6.21 6.22 6.23 6.24 6.25 6.26 6.27 6.28 6.29 6.30 6.31 6.32 7.1 7.2 7.3 7.4 7.5 7.6 7.7 7.8 7.9 7.10 7.11 7.12 7.13 7.14 7.15 7.16 7.17 7.18 7.19 7.20 7.21 7.22 7.23 7.24 7.25 7.26 7.27 7.28 7.29 7.30 7.31 7.32 7.33 7.34 7.35 8.1 8.2 8.3 8.4 8.5
8.6 8.7 8.8 8.9 8.10 8.11 8.12 8.13 8.14 8.15 8.16 8.17 8.18 8.19 8.20 8.21 8.22 8.23 8.24 8.25 8.26 8.27 8.28 8.29 8.30 9.1 9.2 9.3 9.4 9.5 9.6
9.7 9.8 9.9 9.10 9.11 9.12 9.13 9.14 9.15 9.16 9.17 9.18 9.19 9.20 9.21 9.22 9.23 9.24 9.25 9.26 9.27 9.28 9.29 9.30 9.31
10.1 10.2
10.3 10.4 10.5 10.6 10.7 10.8 10.9 10.10 10.11 10.12 10.13 10.14 10.15 10.16 10.17 10.18 10.19 10.20 10.21 10.22 10.23 10.24 10.25 10.26 10.27 10.28 10.29 11.1 11.2 11.3 11.4 11.5 11.6 11.7 11.8 11.9 11.10 11.11 11.12 11.13 11.14 11.15 11.16 11.17 11.18 11.19 11.20 11.21 11.22 11.23 11.24 11.25 11.26 11.27 11.28 11.29 11.30 12.1 12.2 12.3 12.4 12.5 12.6 12.7 12.8 12.9 12.10 12.11 12.12 12.13 12.14 12.15 12.16 12.17 12.18
12.19 12.20 12.21 12.22 12.23 12.24 12.25 12.26 12.27 12.28 12.29 12.30 12.31
13.1 13.2 13.3 13.4 13.5 13.6 13.7 13.8 13.9 13.10 13.11 13.12 13.13 13.14 13.15 13.16 13.17 13.18
13.19 13.20 13.21 13.22 13.23 13.24 13.25 13.26
13.27 13.28 13.29 13.30 14.1 14.2 14.3 14.4 14.5 14.6 14.7
14.8 14.9 14.10 14.11 14.12 14.13 14.14 14.15 14.16 14.17 14.18 14.19 14.20 14.21 14.22 14.23 14.24 14.25 14.26 14.27 14.28 14.29 14.30
15.1 15.2 15.3 15.4 15.5
15.6 15.7 15.8 15.9 15.10 15.11 15.12 15.13 15.14 15.15 15.16 15.17 15.18 15.19
15.20 15.21 15.22 15.23
15.24 15.25 15.26 15.27 15.28 15.29 16.1 16.2 16.3 16.4 16.5 16.6 16.7 16.8 16.9
16.10 16.11 16.12 16.13 16.14 16.15 16.16 16.17 16.18 16.19 16.20 16.21 16.22 16.23 16.24 16.25 16.26 16.27 16.28
16.29 16.30 16.31 17.1 17.2 17.3 17.4 17.5 17.6
17.7 17.8 17.9 17.10 17.11 17.12
17.13 17.14 17.15
17.16 17.17 17.18 17.19 17.20 17.21 17.22 17.23
17.24 17.25 17.26 17.27 17.28 17.29 18.1 18.2 18.3 18.4 18.5 18.6 18.7 18.8 18.9 18.10 18.11 18.12 18.13 18.14 18.15 18.16 18.17 18.18 18.19 18.20 18.21 18.22 18.23 18.24 18.25 18.26 18.27 18.28 18.29 18.30 18.31 18.32 18.33 18.34 19.1 19.2
19.3 19.4 19.5 19.6 19.7
19.8 19.9 19.10 19.11 19.12 19.13 19.14 19.15 19.16 19.17 19.18 19.19 19.20 19.21 19.22
19.23 19.24 19.25 19.26 19.27 19.28 19.29 20.1 20.2
20.3 20.4 20.5 20.6 20.7 20.8 20.9 20.10 20.11 20.12 20.13 20.14 20.15 20.16 20.17 20.18 20.19 20.20 20.21 20.22 20.23 20.24 20.25 20.26 20.27 20.28 20.29 20.30 20.31
21.1 21.2
21.3 21.4 21.5 21.6 21.7 21.8 21.9 21.10 21.11 21.12 21.13 21.14 21.15 21.16 21.17 21.18 21.19 21.20 21.21 21.22 21.23 21.24 21.25 21.26 21.27 21.28 21.29 21.30 21.31 21.32 21.33 21.34 22.1 22.2 22.3 22.4 22.5 22.6 22.7
22.8 22.9
22.10 22.11 22.12 22.13 22.14 22.15 22.16
22.17 22.18
22.19 22.20 22.21 22.22
22.23
22.24 22.25
22.26 22.27 22.28 22.29 23.1 23.2 23.3 23.4 23.5 23.6 23.7 23.8 23.9 23.10 23.11 23.12 23.13 23.14 23.15 23.16 23.17 23.18 23.19 23.20 23.21 23.22
23.23 23.24 23.25 23.26 23.27 23.28 23.29 23.30 23.31 23.32 23.33 24.1 24.2 24.3 24.4 24.5 24.6 24.7 24.8
24.9 24.10 24.11 24.12 24.13 24.14 24.15 24.16 24.17 24.18 24.19 24.20 24.21 24.22 24.23 24.24 24.25 24.26 24.27 24.28 24.29 24.30 24.31 25.1 25.2 25.3 25.4 25.5 25.6 25.7
25.8 25.9 25.10 25.11 25.12 25.13 25.14 25.15 25.16 25.17 25.18
25.19 25.20 25.21 25.22 25.23 25.24 25.25
25.26 25.27 25.28 25.29 25.30 25.31 25.32 26.1 26.2 26.3
26.4 26.5 26.6 26.7 26.8 26.9 26.10
26.11 26.12 26.13 26.14 26.15 26.16 26.17 26.18 26.19 26.20 26.21 26.22 26.23 26.24 26.25 26.26 26.27 26.28 26.29 26.30 26.31 26.32 26.33
27.1 27.2 27.3 27.4 27.5 27.6 27.7 27.8 27.9 27.10 27.11 27.12 27.13 27.14 27.15 27.16 27.17 27.18 27.19 27.20 27.21 27.22
27.23 27.24 27.25 27.26 27.27 27.28
28.1 28.2 28.3 28.4 28.5 28.6 28.7 28.8 28.9 28.10 28.11 28.12 28.13 28.14 28.15 28.16 28.17 28.18 28.19
28.20 28.21 28.22 28.23 28.24 28.25 28.26 28.27 28.28 28.29 28.30 28.31 28.32 29.1 29.2
29.3 29.4 29.5 29.6 29.7 29.8
29.9 29.10 29.11 29.12 29.13 29.14 29.15 29.16 29.17
29.18 29.19
29.20 29.21
29.22 29.23 29.24 29.25 29.26 29.27 29.28 29.29 30.1 30.2 30.3 30.4 30.5 30.6 30.7 30.8 30.9 30.10 30.11 30.12 30.13 30.14 30.15 30.16 30.17 30.18 30.19 30.20 30.21 30.22 30.23 30.24 30.25 30.26 30.27 30.28 30.29 30.30 31.1 31.2 31.3 31.4 31.5 31.6 31.7 31.8 31.9 31.10 31.11 31.12 31.13 31.14 31.15 31.16 31.17 31.18 31.19 31.20 31.21 31.22 31.23 31.24 31.25 31.26 31.27 31.28 31.29 31.30 31.31 31.32 32.1 32.2 32.3 32.4 32.5 32.6 32.7 32.8 32.9 32.10 32.11 32.12 32.13 32.14 32.15 32.16 32.17 32.18 32.19 32.20 32.21 32.22 32.23 32.24 32.25 32.26 32.27 32.28 32.29 32.30 32.31 32.32 33.1 33.2 33.3 33.4 33.5 33.6 33.7 33.8 33.9 33.10 33.11 33.12 33.13 33.14 33.15 33.16 33.17 33.18 33.19 33.20 33.21 33.22 33.23 33.24 33.25 33.26 33.27 33.28 33.29 33.30 33.31 33.32 33.33 33.34 34.1 34.2 34.3 34.4 34.5 34.6 34.7 34.8 34.9 34.10 34.11 34.12 34.13 34.14 34.15 34.16 34.17 34.18 34.19 34.20 34.21 34.22 34.23 34.24 34.25 34.26 34.27 34.28 34.29 34.30 34.31 34.32 34.33 34.34 35.1 35.2 35.3 35.4 35.5 35.6 35.7 35.8 35.9 35.10 35.11 35.12 35.13 35.14 35.15 35.16 35.17 35.18 35.19 35.20 35.21 35.22 35.23 35.24 35.25 35.26 35.27 35.28 35.29 35.30 35.31 36.1 36.2 36.3 36.4 36.5 36.6 36.7 36.8 36.9 36.10 36.11 36.12 36.13 36.14 36.15 36.16 36.17 36.18 36.19 36.20 36.21 36.22 36.23 36.24 36.25 36.26 36.27 36.28 36.29 36.30 36.31 36.32 36.33 36.34 37.1 37.2 37.3 37.4 37.5 37.6 37.7 37.8 37.9 37.10 37.11 37.12 37.13 37.14 37.15 37.16 37.17 37.18 37.19 37.20 37.21 37.22 37.23
37.24
37.25 37.26
37.27 37.28 37.29 37.30 37.31 37.32 38.1 38.2
38.3 38.4 38.5 38.6 38.7 38.8 38.9 38.10 38.11 38.12 38.13 38.14 38.15 38.16 38.17 38.18 38.19 38.20 38.21 38.22 38.23 38.24 38.25
38.26 38.27 38.28 38.29 38.30 38.31 38.32 38.33 39.1 39.2 39.3 39.4 39.5 39.6 39.7 39.8 39.9 39.10 39.11 39.12 39.13 39.14 39.15 39.16
39.17 39.18 39.19 39.20 39.21 39.22 39.23 39.24 39.25 39.26 39.27 39.28 39.29 39.30 39.31 39.32 39.33 39.34 39.35 40.1 40.2 40.3 40.4 40.5 40.6 40.7 40.8 40.9 40.10 40.11 40.12 40.13
40.14 40.15 40.16 40.17 40.18 40.19 40.20 40.21 40.22 40.23 40.24 40.25 40.26 40.27 40.28 40.29 40.30 40.31 40.32 40.33 41.1 41.2 41.3 41.4 41.5 41.6 41.7 41.8 41.9 41.10 41.11 41.12 41.13 41.14 41.15 41.16 41.17 41.18 41.19 41.20 41.21 41.22 41.23 41.24 41.25 41.26 41.27 41.28 41.29 41.30 41.31 41.32 42.1 42.2 42.3 42.4 42.5 42.6 42.7 42.8 42.9 42.10 42.11 42.12 42.13 42.14 42.15 42.16 42.17 42.18 42.19 42.20 42.21 42.22 42.23 42.24 42.25 42.26 42.27 42.28 42.29 42.30 42.31 42.32 42.33 43.1 43.2 43.3 43.4 43.5 43.6 43.7 43.8 43.9 43.10 43.11 43.12 43.13 43.14 43.15 43.16 43.17 43.18 43.19 43.20 43.21 43.22 43.23 43.24 43.25 43.26 43.27 43.28 43.29 43.30 43.31 43.32 43.33 44.1 44.2 44.3 44.4 44.5 44.6 44.7 44.8 44.9 44.10 44.11 44.12 44.13 44.14 44.15 44.16 44.17 44.18 44.19 44.20 44.21 44.22 44.23 44.24 44.25 44.26 44.27 44.28 44.29 44.30 44.31 44.32 44.33 45.1 45.2 45.3 45.4 45.5 45.6 45.7 45.8 45.9 45.10 45.11 45.12 45.13 45.14 45.15 45.16 45.17 45.18 45.19 45.20 45.21 45.22 45.23 45.24 45.25 45.26 45.27 45.28 45.29 45.30
45.31 45.32 45.33 46.1 46.2 46.3 46.4 46.5 46.6
46.7 46.8 46.9 46.10 46.11 46.12 46.13 46.14 46.15 46.16 46.17 46.18 46.19 46.20 46.21 46.22 46.23 46.24 46.25 46.26 46.27 46.28 46.29 46.30 46.31 46.32 47.1 47.2 47.3 47.4 47.5 47.6 47.7 47.8 47.9 47.10 47.11 47.12 47.13 47.14 47.15 47.16 47.17 47.18 47.19 47.20 47.21 47.22 47.23 47.24 47.25 47.26 47.27 47.28 47.29 47.30 47.31 48.1 48.2 48.3 48.4 48.5 48.6 48.7 48.8 48.9 48.10 48.11 48.12 48.13 48.14 48.15 48.16 48.17 48.18 48.19 48.20 48.21 48.22 48.23 48.24 48.25 48.26 48.27 48.28 48.29 48.30 48.31 48.32 48.33 48.34 49.1 49.2 49.3 49.4 49.5 49.6 49.7 49.8 49.9 49.10 49.11 49.12 49.13 49.14 49.15 49.16 49.17 49.18 49.19 49.20 49.21
49.22 49.23 49.24 49.25
49.26 49.27
50.1 50.2
50.3 50.4 50.5 50.6 50.7 50.8 50.9
50.10 50.11 50.12 50.13 50.14 50.15 50.16 50.17 50.18 50.19 50.20 50.21 50.22 50.23
50.24 50.25 50.26 50.27 50.28 50.29
50.30 50.31 50.32
51.1 51.2 51.3 51.4 51.5 51.6 51.7 51.8
51.9 51.10 51.11 51.12 51.13 51.14
51.15 51.16 51.17 51.18 51.19 51.20 51.21
51.22 51.23 51.24 51.25 51.26 51.27 51.28 51.29 51.30 51.31 51.32 52.1 52.2 52.3 52.4 52.5 52.6 52.7 52.8 52.9 52.10 52.11 52.12 52.13 52.14 52.15 52.16 52.17 52.18 52.19 52.20 52.21 52.22
52.23 52.24 52.25 52.26 52.27 52.28 52.29 52.30 52.31 52.32 52.33 53.1 53.2 53.3 53.4 53.5 53.6 53.7 53.8 53.9 53.10 53.11 53.12 53.13 53.14 53.15 53.16 53.17 53.18 53.19 53.20 53.21 53.22 53.23
53.24 53.25 53.26 53.27 53.28 53.29 53.30 53.31 53.32 53.33 54.1 54.2 54.3 54.4 54.5 54.6 54.7 54.8 54.9 54.10 54.11 54.12 54.13
54.14 54.15 54.16 54.17 54.18 54.19 54.20 54.21 54.22
54.23 54.24 54.25 54.26 54.27 54.28 54.29 54.30 54.31 54.32 54.33 55.1 55.2 55.3 55.4 55.5 55.6 55.7 55.8 55.9 55.10 55.11 55.12 55.13 55.14 55.15 55.16 55.17 55.18 55.19 55.20 55.21 55.22 55.23 55.24 55.25 55.26 55.27 55.28 55.29 55.30 55.31 55.32 55.33 55.34 56.1 56.2 56.3 56.4 56.5
56.6 56.7 56.8 56.9 56.10 56.11 56.12 56.13 56.14 56.15 56.16 56.17 56.18 56.19 56.20 56.21 56.22 56.23 56.24 56.25 56.26 56.27 56.28 56.29 56.30 56.31 56.32 56.33 56.34 57.1 57.2
57.3 57.4 57.5 57.6 57.7 57.8 57.9 57.10 57.11 57.12 57.13 57.14 57.15 57.16 57.17 57.18 57.19 57.20 57.21 57.22 57.23 57.24 57.25 57.26 57.27 57.28 57.29 58.1 58.2 58.3 58.4 58.5 58.6 58.7 58.8 58.9 58.10 58.11 58.12 58.13 58.14 58.15 58.16 58.17 58.18 58.19 58.20 58.21 58.22 58.23 58.24 58.25 58.26 58.27 58.28 58.29 58.30 58.31 58.32 58.33 59.1 59.2 59.3 59.4 59.5 59.6 59.7 59.8 59.9 59.10 59.11 59.12 59.13 59.14 59.15 59.16 59.17 59.18 59.19 59.20 59.21 59.22 59.23 59.24 59.25 59.26 59.27 59.28 59.29 59.30 59.31 59.32 59.33 59.34
60.1 60.2 60.3 60.4 60.5 60.6 60.7 60.8 60.9 60.10 60.11 60.12 60.13 60.14 60.15 60.16 60.17 60.18 60.19 60.20 60.21 60.22 60.23 60.24 60.25 60.26 60.27 60.28 60.29 60.30 60.31 60.32 61.1 61.2 61.3 61.4 61.5 61.6 61.7 61.8 61.9 61.10 61.11 61.12 61.13 61.14 61.15 61.16 61.17 61.18 61.19 61.20 61.21 61.22 61.23 61.24 61.25 61.26 61.27 61.28 61.29 61.30 61.31 61.32 61.33 61.34 61.35 62.1 62.2 62.3 62.4 62.5 62.6 62.7 62.8 62.9 62.10 62.11 62.12 62.13 62.14 62.15 62.16 62.17 62.18 62.19 62.20 62.21 62.22 62.23 62.24 62.25 62.26 62.27 62.28 62.29 62.30 62.31 62.32 62.33 63.1 63.2 63.3 63.4 63.5 63.6 63.7 63.8 63.9 63.10 63.11 63.12 63.13 63.14 63.15 63.16 63.17 63.18 63.19 63.20 63.21 63.22 63.23 63.24 63.25 63.26 63.27 63.28
63.29 63.30 63.31 63.32 63.33 64.1 64.2 64.3 64.4 64.5 64.6 64.7 64.8 64.9 64.10 64.11 64.12 64.13 64.14 64.15 64.16 64.17 64.18 64.19 64.20 64.21 64.22 64.23 64.24 64.25 64.26 64.27 64.28 64.29 64.30 64.31 64.32 65.1 65.2 65.3 65.4 65.5 65.6 65.7 65.8 65.9 65.10 65.11 65.12 65.13 65.14 65.15 65.16 65.17 65.18 65.19 65.20 65.21 65.22 65.23 65.24 65.25 65.26 65.27 65.28 65.29 65.30 65.31 65.32 65.33 66.1 66.2 66.3 66.4 66.5 66.6 66.7 66.8 66.9 66.10 66.11 66.12 66.13 66.14 66.15 66.16 66.17 66.18 66.19 66.20 66.21 66.22 66.23 66.24 66.25 66.26 66.27 66.28 66.29 66.30 66.31 66.32 67.1 67.2 67.3 67.4 67.5 67.6 67.7 67.8 67.9 67.10 67.11 67.12 67.13 67.14 67.15 67.16 67.17 67.18 67.19 67.20 67.21
67.22 67.23 67.24 67.25 67.26 67.27 67.28 67.29 67.30 67.31 67.32 67.33 68.1 68.2 68.3 68.4 68.5 68.6 68.7 68.8 68.9 68.10 68.11 68.12 68.13 68.14 68.15
68.16 68.17 68.18 68.19 68.20 68.21 68.22 68.23 68.24 68.25 68.26 68.27 68.28 68.29 68.30 68.31 68.32 68.33 69.1 69.2 69.3 69.4 69.5 69.6 69.7 69.8 69.9 69.10 69.11 69.12 69.13 69.14 69.15 69.16 69.17 69.18 69.19 69.20 69.21 69.22 69.23 69.24 69.25 69.26 69.27 69.28 69.29 69.30 69.31 69.32 69.33 70.1 70.2 70.3 70.4 70.5
70.6 70.7 70.8 70.9 70.10 70.11
70.12 70.13 70.14 70.15 70.16 70.17 70.18 70.19 70.20 70.21 70.22 70.23 70.24 70.25 70.26 70.27 70.28 70.29 70.30 70.31 70.32 70.33 71.1 71.2 71.3 71.4 71.5 71.6 71.7
71.8 71.9 71.10 71.11 71.12 71.13 71.14 71.15 71.16 71.17 71.18 71.19 71.20 71.21 71.22 71.23 71.24 71.25
71.26 71.27 71.28 71.29 71.30 71.31 71.32 71.33
72.1 72.2
72.3 72.4 72.5 72.6 72.7 72.8 72.9 72.10 72.11 72.12 72.13 72.14 72.15 72.16 72.17 72.18 72.19 72.20 72.21 72.22 72.23 72.24 72.25 72.26 72.27 72.28 72.29 72.30 72.31 72.32 72.33 73.1 73.2 73.3 73.4 73.5 73.6 73.7 73.8
73.9 73.10 73.11 73.12 73.13 73.14 73.15 73.16
73.17 73.18 73.19 73.20 73.21 73.22 73.23 73.24
73.25 73.26 73.27 73.28 73.29 73.30 73.31 74.1 74.2
74.3 74.4 74.5 74.6 74.7 74.8 74.9
74.10 74.11 74.12 74.13 74.14 74.15
74.16 74.17 74.18 74.19
74.20 74.21 74.22 74.23 74.24 74.25 74.26 74.27 74.28 74.29 74.30 75.1 75.2 75.3 75.4
75.5 75.6 75.7 75.8
75.9 75.10 75.11 75.12 75.13 75.14 75.15 75.16 75.17 75.18 75.19 75.20 75.21 75.22 75.23 75.24 75.25 75.26 75.27 75.28 75.29 75.30 76.1 76.2 76.3 76.4 76.5 76.6 76.7 76.8 76.9 76.10 76.11 76.12 76.13 76.14 76.15 76.16 76.17 76.18 76.19 76.20 76.21 76.22 76.23 76.24 76.25 76.26 76.27 76.28 76.29 76.30 76.31
77.1 77.2 77.3 77.4 77.5 77.6 77.7 77.8 77.9 77.10 77.11 77.12 77.13 77.14 77.15 77.16 77.17 77.18 77.19 77.20 77.21 77.22 77.23 77.24 77.25
77.26 77.27 77.28 77.29 77.30 77.31 78.1 78.2 78.3 78.4 78.5 78.6 78.7 78.8 78.9 78.10 78.11 78.12 78.13 78.14 78.15 78.16 78.17 78.18 78.19 78.20 78.21 78.22 78.23 78.24 78.25 78.26 78.27 78.28 78.29 78.30 78.31 78.32 78.33 79.1 79.2 79.3 79.4 79.5 79.6 79.7 79.8 79.9 79.10 79.11 79.12 79.13 79.14 79.15 79.16 79.17 79.18 79.19 79.20 79.21 79.22 79.23 79.24 79.25 79.26 79.27 79.28 79.29 79.30 79.31 79.32 79.33 80.1 80.2 80.3 80.4 80.5 80.6 80.7 80.8 80.9 80.10 80.11 80.12 80.13 80.14 80.15 80.16 80.17 80.18 80.19 80.20 80.21 80.22 80.23 80.24 80.25 80.26 80.27 80.28 80.29 80.30 80.31 80.32 80.33 80.34 80.35 81.1 81.2 81.3 81.4 81.5 81.6 81.7 81.8 81.9 81.10 81.11 81.12 81.13 81.14 81.15 81.16 81.17 81.18 81.19 81.20 81.21 81.22 81.23 81.24 81.25 81.26 81.27 81.28 81.29 81.30 81.31 81.32 81.33 82.1 82.2 82.3 82.4 82.5 82.6 82.7 82.8 82.9 82.10 82.11 82.12 82.13 82.14 82.15 82.16 82.17 82.18 82.19 82.20 82.21 82.22 82.23 82.24 82.25 82.26 82.27 82.28 82.29 82.30 82.31 82.32 82.33 83.1 83.2 83.3 83.4 83.5 83.6 83.7 83.8 83.9 83.10 83.11 83.12 83.13 83.14 83.15 83.16 83.17 83.18 83.19 83.20 83.21 83.22 83.23 83.24 83.25 83.26 83.27 83.28 83.29 83.30 83.31 83.32 83.33 83.34 83.35 84.1 84.2 84.3 84.4
84.5 84.6 84.7 84.8 84.9 84.10 84.11 84.12 84.13 84.14 84.15 84.16 84.17 84.18 84.19 84.20 84.21 84.22 84.23 84.24 84.25 84.26 84.27 84.28 84.29 84.30 84.31 85.1 85.2 85.3 85.4 85.5 85.6 85.7 85.8 85.9 85.10 85.11 85.12 85.13 85.14 85.15 85.16 85.17 85.18 85.19 85.20 85.21 85.22 85.23 85.24 85.25 85.26 85.27 85.28 85.29 85.30 85.31 86.1 86.2 86.3 86.4 86.5 86.6 86.7 86.8 86.9 86.10 86.11 86.12 86.13 86.14 86.15 86.16 86.17 86.18
86.19 86.20 86.21 86.22 86.23 86.24 86.25 86.26 86.27 86.28 86.29 86.30 86.31
87.1 87.2 87.3 87.4 87.5 87.6 87.7 87.8 87.9 87.10 87.11 87.12 87.13 87.14
87.15 87.16 87.17 87.18 87.19 87.20 87.21 87.22 87.23 87.24 87.25 87.26 87.27 87.28
87.29 87.30 87.31 87.32 87.33 88.1 88.2 88.3 88.4 88.5 88.6 88.7 88.8 88.9 88.10 88.11 88.12 88.13 88.14 88.15 88.16 88.17 88.18 88.19
88.20 88.21 88.22 88.23 88.24 88.25 88.26 88.27 88.28 88.29 88.30 88.31 88.32 89.1 89.2 89.3 89.4 89.5 89.6 89.7 89.8 89.9 89.10 89.11 89.12 89.13 89.14 89.15 89.16
89.17 89.18 89.19 89.20 89.21 89.22 89.23 89.24 89.25 89.26 89.27 89.28 89.29 89.30 89.31 89.32 90.1 90.2 90.3 90.4 90.5 90.6 90.7 90.8 90.9 90.10 90.11 90.12 90.13 90.14 90.15 90.16 90.17 90.18 90.19 90.20 90.21 90.22 90.23 90.24 90.25
90.26 90.27 90.28 90.29 90.30 90.31 91.1 91.2 91.3 91.4 91.5 91.6 91.7 91.8 91.9 91.10 91.11 91.12 91.13 91.14 91.15 91.16 91.17 91.18 91.19 91.20 91.21 91.22 91.23 91.24 91.25 91.26 91.27 91.28
91.29 91.30 91.31 91.32 92.1 92.2 92.3 92.4 92.5 92.6 92.7 92.8 92.9 92.10 92.11 92.12 92.13 92.14 92.15 92.16 92.17 92.18 92.19 92.20 92.21 92.22 92.23 92.24 92.25 92.26 92.27 92.28 92.29 92.30 92.31 92.32 92.33 92.34
93.1 93.2
93.3 93.4 93.5 93.6 93.7 93.8 93.9 93.10 93.11 93.12 93.13 93.14 93.15 93.16 93.17 93.18 93.19 93.20 93.21 93.22 93.23 93.24 93.25 93.26 93.27 93.28 93.29 93.30 93.31 93.32 93.33 93.34 93.35 94.1 94.2 94.3 94.4 94.5 94.6 94.7 94.8 94.9 94.10 94.11 94.12 94.13 94.14 94.15 94.16 94.17 94.18 94.19 94.20 94.21 94.22 94.23 94.24 94.25 94.26 94.27 94.28 94.29 94.30 94.31 94.32 95.1 95.2 95.3 95.4 95.5 95.6 95.7 95.8 95.9 95.10 95.11 95.12 95.13 95.14 95.15 95.16 95.17 95.18 95.19 95.20 95.21 95.22 95.23 95.24 95.25 95.26 95.27 95.28 96.1 96.2 96.3 96.4 96.5 96.6 96.7 96.8 96.9 96.10 96.11 96.12 96.13 96.14 96.15 96.16 96.17 96.18 96.19 96.20 96.21 96.22 96.23 96.24 96.25 96.26 96.27 96.28 96.29 96.30 96.31 96.32 96.33 97.1 97.2 97.3 97.4 97.5 97.6 97.7 97.8 97.9 97.10 97.11 97.12 97.13 97.14 97.15 97.16 97.17 97.18 97.19 97.20 97.21 97.22 97.23 97.24 97.25 97.26 97.27 97.28 97.29 97.30 97.31 97.32 97.33 98.1 98.2 98.3 98.4 98.5 98.6 98.7 98.8 98.9
98.10 98.11 98.12 98.13 98.14 98.15 98.16 98.17 98.18 98.19 98.20 98.21 98.22 98.23 98.24 98.25 98.26 98.27 98.28 98.29 98.30 98.31 98.32 98.33 99.1 99.2 99.3 99.4 99.5 99.6 99.7 99.8 99.9 99.10 99.11 99.12 99.13 99.14 99.15 99.16 99.17 99.18 99.19 99.20 99.21 99.22 99.23 99.24 99.25 99.26 99.27 99.28 99.29 99.30 99.31 99.32 99.33 99.34 100.1 100.2 100.3 100.4 100.5 100.6 100.7 100.8 100.9 100.10 100.11 100.12 100.13 100.14 100.15 100.16 100.17 100.18 100.19 100.20 100.21 100.22 100.23 100.24 100.25 100.26 100.27 100.28 100.29 100.30 100.31 100.32 101.1 101.2 101.3 101.4 101.5 101.6 101.7 101.8 101.9 101.10 101.11 101.12 101.13 101.14 101.15 101.16 101.17 101.18 101.19 101.20 101.21 101.22 101.23 101.24 101.25 101.26 101.27 101.28 101.29 101.30 101.31 101.32 102.1 102.2 102.3 102.4 102.5 102.6 102.7 102.8 102.9 102.10 102.11 102.12 102.13 102.14 102.15 102.16 102.17 102.18 102.19 102.20 102.21 102.22 102.23 102.24 102.25 102.26 102.27 102.28 102.29 102.30 102.31 102.32 102.33 102.34 102.35 102.36 102.37 102.38 102.39 102.40 102.41 102.42 102.43 102.44 102.45 102.46 103.1 103.2 103.3 103.4 103.5 103.6 103.7 103.8 103.10 103.9 103.11 103.12 103.13 103.14 103.15 103.16 103.17 103.18 103.19 103.21 103.20 103.22 103.23 103.24 103.25 103.26 103.27 103.28 103.29 103.30 103.31 103.32 103.33 103.34 104.1 104.2 104.3 104.4 104.5 104.6 104.7 104.8 104.9 104.10 104.11 104.12 104.13 104.14 104.15 104.16 104.17 104.18 104.19 104.20 104.21 104.22 104.23 104.25 104.26 104.27 104.24 104.28 104.29 104.30 104.31 104.32 104.33 104.34 104.35 104.36 104.37 104.38 105.1 105.2 105.3 105.4 105.5 105.6 105.7 105.8 105.9 105.10 105.11 105.12 105.13 105.14 105.15 105.16 105.17 105.18 105.19 105.20 105.21 105.22 105.23 105.24 105.25 105.26 105.27 105.28 105.29 106.1 106.2 106.3 106.4 106.5 106.6 106.7 106.8 106.9 106.10 106.11 106.12
106.13 106.14 106.15 106.16 106.17 106.18 106.19 106.20 106.21 106.22 106.23 106.24 106.25 106.26 106.27 106.28 106.29 106.30 106.31 106.32 106.33 107.1 107.2 107.3 107.4 107.5 107.6 107.7 107.8 107.9 107.10 107.11 107.12 107.13 107.14 107.15 107.16 107.17 107.18 107.19 107.20 107.21 107.22 107.23 107.24 107.25 107.26 107.27 107.28 107.29 107.30 107.31 107.32 108.1 108.2 108.3 108.4 108.5 108.6 108.7 108.8 108.9 108.10 108.11 108.12 108.13 108.14 108.15 108.16 108.17 108.18 108.19 108.20 108.21 108.22 108.23 108.24 108.25 108.26 108.27 108.28 108.29 109.1 109.2 109.3 109.4 109.5 109.6 109.7 109.8 109.9 109.10 109.11
109.12 109.13 109.14 109.15 109.16 109.17 109.18 109.19 109.20 109.21 109.22 109.23 109.24 109.25 109.26 109.27 109.28 109.29 109.30 109.31 109.32 109.33 109.34 110.1 110.2 110.3 110.4 110.5 110.6 110.7 110.8 110.9 110.10 110.11 110.12 110.13 110.14 110.15 110.16 110.17 110.18 110.19
110.20 110.21 110.22 110.23 110.24 110.25 110.26 110.27 110.28 110.29 110.30 110.31 111.1 111.2 111.3 111.4 111.5 111.6 111.7 111.8 111.9 111.10 111.11 111.12 111.13 111.14 111.15 111.16 111.17 111.18 111.19 111.20 111.21 111.22 111.23 111.24 111.25 111.26 111.27 111.28 111.29 111.30 112.1 112.2 112.3 112.4 112.5 112.6 112.7 112.8 112.9 112.10 112.11 112.12 112.13 112.14 112.15 112.16 112.17 112.18 112.19 112.20 112.21 112.22 112.23 112.24 112.25 112.26 112.27 112.28 112.29 112.30 112.31 113.1 113.2 113.3 113.4 113.5
113.6 113.7 113.8 113.9 113.10 113.11 113.12 113.13 113.14 113.15 113.16 113.17 113.18 113.19 113.20 113.21 113.22 113.23 113.24 113.25 113.26 113.27 113.28 113.29 113.30 113.31 113.32 113.33 113.34 113.35 114.1 114.2 114.3 114.4 114.5 114.6 114.7 114.8 114.9 114.10 114.11 114.12 114.13 114.14 114.15 114.16 114.17 114.18 114.19 114.20 114.21 114.22 114.23 114.24 114.25 114.26 114.27 114.28 114.29 114.30 114.31 114.32 114.33 114.34 114.35 114.36 114.37 114.38 114.39 114.40 115.1 115.2 115.3 115.4 115.5 115.6 115.7 115.8 115.9 115.10 115.11 115.12 115.13 115.14 115.15 115.16 115.17 115.18 115.19 115.20 115.21 115.22 115.23 115.24 115.25 115.26 115.27 115.28 115.29 115.30 115.31 115.32 115.33 115.34 115.35 115.36 115.37 116.1 116.2 116.3 116.4 116.5 116.6 116.7 116.8 116.9 116.10 116.11 116.12 116.13 116.14 116.15 116.16 116.17 116.18 116.19 116.20 116.21 116.22 116.23 116.24 116.25 116.26 116.27 116.28 116.29 116.30 116.31 116.32 116.33 116.34 116.35 116.36 116.37 116.38 116.39 116.40 117.1 117.2 117.3 117.4 117.5 117.6 117.7 117.8 117.9 117.10 117.11 117.12 117.13 117.14 117.15 117.16 117.17 117.18 117.19 117.20 117.21 117.22 117.23 117.24 117.25 117.26 117.27 117.28 117.29 117.30 117.31 117.32 118.1 118.2
118.3 118.4 118.5 118.6 118.7 118.8 118.9 118.11 118.10 118.12 118.13 118.14 118.15 118.16 118.17 118.18 118.19 118.20 118.21 118.22 118.23 118.24 118.25 118.26 118.27 118.28 118.29 118.30 118.31 118.32 118.33 119.1 119.2 119.3 119.4 119.5 119.6 119.7 119.8 119.9 119.10 119.11 119.12
119.13 119.14 119.15 119.16 119.17 119.18 119.19 119.20 119.21 119.22 119.23 119.24 119.25 119.26 119.27 119.28 119.29 119.30 120.1 120.2 120.3 120.4 120.5 120.6 120.7 120.8 120.9 120.10 120.11 120.12 120.13 120.14 120.15 120.16 120.17 120.18 120.19 120.20 120.21 120.22 120.23 120.24 120.25 120.26 120.27 120.28 120.29 120.30 120.31 120.32 120.33 121.1 121.2 121.3 121.4 121.5 121.6 121.7 121.8 121.9 121.10 121.11 121.12 121.13 121.14 121.15 121.16 121.17 121.18 121.19 121.20 121.21 121.22 121.23 121.24 121.25 121.26 121.27
121.28 121.29 121.30 122.1 122.2 122.3 122.4 122.6 122.5 122.7 122.8 122.9 122.10 122.11 122.12 122.13 122.14 122.15 122.16 122.17 122.18 122.19 122.20 122.21 122.22 122.23 122.24 122.25 122.26 122.27 122.28 122.29 122.30 122.31 122.32 122.33 122.34 122.35 122.36 122.37 122.38 123.1 123.2 123.3 123.4 123.5 123.6 123.7 123.8 123.9 123.10 123.11 123.12 123.13 123.14 123.15 123.16 123.17 123.18 123.19 123.20 123.21 123.22 123.23 123.24 123.25 123.26 123.27 123.28 123.29 123.30 123.31 123.32 123.33 123.34 123.35 123.36 123.37 123.38 123.39 124.1 124.2 124.3 124.4 124.5 124.6 124.7 124.8 124.9 124.10 124.11 124.12 124.13 124.14 124.15 124.16 124.17 124.18 124.19 124.20 124.21 124.22 124.23 124.24 124.25 124.26 124.27 124.28 124.29 124.30 124.31 124.32 124.33 124.34 124.35 124.36 124.37 124.38 124.39 124.40 125.1 125.2 125.3 125.4 125.5 125.6 125.7 125.8 125.9 125.10 125.11 125.12 125.13 125.14 125.15 125.16 125.17 125.18 125.19 125.20 125.21 125.22 125.23 125.24 125.25 125.26 125.27 125.28 125.29 125.30 125.31 125.32 125.33 125.34 125.35 125.36 125.37 126.1 126.2 126.3 126.4 126.5 126.6 126.7 126.8 126.9 126.10 126.11 126.12 126.13 126.14 126.15 126.16 126.17 126.18 126.19 126.20 126.21 126.22 126.23 126.24 126.25 126.26 126.27 126.28 126.29 126.30 126.31 126.32 126.33 126.34 127.1 127.2 127.3 127.4 127.5 127.6 127.7 127.8 127.9 127.10
127.11 127.12 127.13 127.14 127.15 127.16 127.17 127.18 127.19 127.20 127.21 127.22 127.23 127.24 127.25 127.26 127.27 127.28 127.29 127.30 127.31 127.32 127.33 127.34 128.1 128.2 128.3 128.4 128.5 128.6 128.7 128.8 128.9 128.10 128.11 128.12 128.13 128.14 128.15 128.16 128.17 128.18 128.19 128.20 128.21 128.22 128.23 128.24 128.25 128.26 128.27 128.28 128.29 128.30 128.31 128.32 128.33 128.34 129.1 129.2 129.3 129.4 129.5 129.6 129.7 129.8 129.9 129.10 129.11 129.12 129.13 129.14 129.15 129.16 129.17 129.18 129.19 129.20 129.21 129.22 129.23 129.24 129.25 129.26 129.27 129.28 129.29 129.30 129.31 129.32 129.33 129.34 130.1 130.2 130.3 130.4 130.5 130.6 130.7 130.8 130.9 130.10 130.11 130.12 130.13 130.14 130.15 130.16 130.17 130.18 130.19 130.20 130.21 130.22 130.23 130.24 130.25 130.26 130.27 130.28 130.29 130.30 130.31 130.32 130.33 130.34 130.35 131.1 131.2 131.3 131.4 131.5 131.6 131.7 131.8 131.9 131.10 131.11 131.12 131.13 131.14 131.15 131.16 131.17 131.18 131.19 131.20 131.21 131.22 131.23 131.24 131.25 131.26 131.27 131.28 131.29 131.30 131.31 131.32 131.33 132.1 132.2 132.3 132.4 132.5 132.6 132.7 132.8 132.9 132.10 132.11 132.12
132.13 132.14 132.15 132.16 132.17 132.18 132.19 132.20 132.21 132.22 132.23 132.24 132.25 132.26 132.27 132.28 132.29 132.30 132.31 132.32 132.33 133.1 133.2 133.3 133.4 133.5 133.6 133.7 133.8 133.9 133.10 133.11 133.12 133.13 133.14 133.15 133.16 133.17 133.18 133.19 133.20 133.21 133.22 133.23 133.24 133.25 133.26 133.27 133.28 133.29 133.30 133.31 133.32 133.33 133.34 134.1 134.2 134.3 134.5 134.4 134.6 134.7 134.8 134.9 134.10 134.11 134.12 134.13 134.14 134.15 134.16 134.17 134.18 134.19 134.20 134.21 134.22 134.23 134.24 134.25 134.26 134.27 134.28 134.29 134.30 134.31 134.32 134.33 134.34 134.35 135.2 135.1 135.3 135.4 135.5 135.6 135.7 135.8 135.9 135.10 135.11 135.12 135.13 135.14 135.15 135.16 135.17 135.18 135.19 135.20 135.21 135.22 135.23 135.24 135.25 135.26 135.27 135.28 135.29 135.30 135.31 135.32 136.1 136.2 136.3 136.4 136.5 136.6 136.7 136.8 136.9 136.10 136.11 136.12 136.13 136.14 136.15 136.16 136.17 136.18 136.19 136.20 136.21 136.22 136.23 136.24 136.25 136.26 136.27 136.28 136.29 136.30 136.31 136.32 136.33 137.1 137.2 137.3 137.4 137.5 137.6 137.7 137.8 137.9 137.10 137.11 137.12 137.13 137.14 137.15 137.16 137.17 137.18 137.19 137.20 137.21 137.22 137.23 137.24 137.25 137.26 137.27 137.28 137.29 137.30 137.31 137.32 137.33 137.34 137.35 137.36 137.37 137.38 137.39 137.40 137.41 137.42 137.43 137.44 137.45 137.46 138.1 138.2 138.3 138.4 138.5 138.6 138.7 138.8 138.9 138.10 138.11 138.12 138.13 138.14 138.15 138.16 138.17 138.18 138.19 138.20 138.21 138.22 138.23 138.24 138.25 138.26 138.27 138.28 138.29 138.30 138.31 138.32 138.33 139.1 139.2 139.3 139.4 139.5 139.6 139.7 139.9 139.8 139.10 139.11 139.12 139.13 139.14 139.15 139.16 139.17 139.18 139.19 139.20 139.21 139.22 139.23 139.24 139.25 139.26 139.27 139.28 139.29 139.30 139.31 139.32 139.33 139.34 140.1 140.2 140.3 140.4 140.5 140.6 140.7 140.8 140.9 140.10 140.11 140.12 140.13 140.14 140.15 140.16 140.17 140.18 140.19 140.20 140.21 140.22 140.23 140.24 140.25 140.28 140.29 140.26 140.27 140.30 140.31 140.32 140.33 140.34 140.35 140.36 140.37 140.38 141.1 141.2 141.3 141.4 141.5 141.6 141.7 141.8 141.9 141.10 141.11 141.12 141.13 141.14 141.15 141.16 141.17 141.18 141.19 141.20 141.21 141.22 141.23 141.24 141.25 141.26 141.27 141.28 141.29 141.30 141.31 142.1 142.2 142.3 142.4 142.5 142.6 142.7 142.8 142.9 142.10 142.11 142.12 142.13
142.14 142.15 142.16 142.17 142.18 142.19 142.20 142.21 142.22 142.23 142.24 142.25 142.26 142.27 142.28 142.29 142.30 142.31 142.32 142.33 142.34 143.1 143.2 143.3 143.4 143.5 143.6 143.7 143.8 143.9 143.10 143.11 143.12 143.13 143.14 143.15 143.16 143.17 143.18 143.19 143.20 143.21 143.22 143.23 143.24 143.25 143.26 143.27 143.28 143.29 143.30 143.31 143.32 144.1 144.2 144.3 144.4 144.5 144.6 144.7 144.8 144.9 144.10 144.11 144.12 144.13 144.14 144.15 144.16 144.17 144.18 144.19 144.20 144.21 144.22 144.23 144.24 144.25 144.26 144.27 145.1 145.2 145.3 145.4 145.5 145.6 145.7 145.8 145.9 145.10 145.11 145.12 145.13 145.14 145.15 145.16 145.17 145.18 145.19 145.20 145.21 145.22 145.23
145.24 145.25 145.26 145.27 145.28 145.29 146.1 146.2 146.3 146.4 146.5 146.6 146.7 146.8 146.9 146.10 146.11 146.12 146.13 146.14 146.15 146.16 146.17 146.18 146.19 146.20 146.21 146.22 146.23 146.24 146.25 146.26 146.27 146.28 146.29 147.1 147.2 147.3 147.4 147.5 147.6 147.7 147.8 147.9 147.10 147.11 147.12 147.13 147.14 147.15 147.16 147.17 147.18 147.19 147.20 147.21 147.22 147.23 147.24 147.25 147.26 147.27 147.28 148.1 148.2 148.3 148.4 148.5 148.6 148.7 148.8 148.9 148.10 148.11 148.12 148.13 148.14 148.15 148.16 148.17 148.18 148.19 148.20 148.21 148.22 148.23 148.24 148.25 148.26 148.27 148.28 148.29 149.1 149.2 149.3 149.4 149.5 149.6 149.7 149.8 149.9 149.10 149.11 149.12 149.13 149.14 149.15 149.16 149.17 149.18 149.19 149.20 149.21 149.22 149.23 149.24 149.25 149.26 149.27 149.28
149.29 149.30 149.31 149.32 150.1 150.2 150.3 150.4 150.5 150.6 150.7 150.8 150.9 150.10 150.11 150.12 150.13 150.14 150.15 150.16 150.17 150.18 150.19 150.20 150.21 150.22 150.23 150.24 150.25 150.26 150.27 150.28 150.29 150.30 150.31 150.32 150.33 150.34 151.1 151.2 151.3 151.4 151.5 151.6 151.7 151.8 151.9 151.10 151.11 151.12 151.13 151.14 151.15 151.16 151.17 151.18 151.19 151.20 151.21 151.22 151.23 151.24 151.25 151.26 151.27 151.28 151.29 151.30 151.31 151.32 151.33 152.1 152.2 152.3 152.4 152.5 152.6 152.7 152.8 152.9 152.10 152.11 152.12 152.13 152.14 152.15 152.16 152.17 152.18 152.19 152.20 152.21 152.22 152.23 152.24 152.25 152.26 152.27 152.28 152.29 152.30 152.31 152.32 152.33 153.1 153.2 153.3 153.4 153.5 153.6 153.7 153.8 153.9 153.10 153.11 153.12 153.13 153.14 153.15
153.16 153.17 153.18 153.19 153.20 153.21 153.22 153.23 153.24 153.25 153.26 153.27 153.28 153.29 153.30 153.31 153.32 153.33 154.1 154.2 154.3 154.4 154.5 154.6 154.7 154.8 154.9 154.10 154.11 154.12 154.13 154.14 154.15 154.16 154.17 154.18 154.19 154.20 154.21 154.22 154.23 154.24 154.25 154.26 154.27 154.28 154.29 154.30 154.31 154.32 154.33 154.34 155.1 155.2 155.3 155.4 155.5 155.6 155.7 155.8 155.9 155.10 155.11 155.12 155.13 155.14 155.15 155.16 155.17 155.18 155.19 155.20 155.21 155.22 155.23 155.24 155.25 155.26 155.27 155.28 155.29 155.30 155.31 155.32 156.1 156.2 156.3 156.4 156.5 156.6 156.7 156.8 156.9 156.10 156.11 156.12 156.13 156.14 156.15 156.16 156.17 156.18 156.19 156.20 156.21 156.22 156.23 156.24 156.25 156.26 156.27 156.28 156.29 156.30 156.31 156.32 157.1 157.2 157.3 157.4 157.5 157.6 157.7 157.8 157.9 157.10 157.11 157.12 157.13 157.14 157.15 157.16 157.17 157.18 157.19 157.20 157.21 157.22 157.23 157.24 157.25 157.26 157.27 157.28 157.29 157.30 157.31 157.32 157.33 157.34 157.35 157.36 157.37 157.38 157.39 157.40 158.1 158.2 158.3 158.4 158.5 158.6 158.7 158.8 158.9 158.10 158.11 158.12 158.13 158.14 158.15 158.16 158.17 158.18 158.19 158.20 158.21 158.22 158.23 158.24 158.25 158.26 158.27 158.28 158.29 158.30 158.31 158.32 158.33 158.34 159.1 159.3 159.2 159.4 159.5 159.6 159.7 159.8 159.9 159.10 159.11 159.12 159.13 159.14 159.15 159.16 159.17 159.18 159.19 159.20 159.21 159.22 159.23 159.24 159.25 159.26 159.27 159.28 159.29 159.30 159.31 159.32 159.33 159.34 159.35 159.36 160.1 160.2 160.3 160.4 160.5 160.6 160.7 160.8 160.9 160.10 160.11 160.12 160.13 160.14 160.15 160.16 160.17 160.19 160.20 160.18 160.21 160.22 160.23 160.24 160.25 160.26 160.27 160.28 160.29 160.30 160.31 160.32 160.33 160.34 160.35 161.1 161.2 161.3 161.4 161.5 161.6 161.7 161.8 161.9 161.10 161.11 161.12 161.13 161.14 161.15 161.16 161.17 161.18 161.19 161.20 161.21 161.22 161.23 161.24 161.25 161.26 161.27 161.28 161.29 161.30 162.1 162.2 162.3 162.4 162.5 162.6 162.7 162.8 162.9 162.10 162.11 162.12 162.13 162.14 162.15 162.16 162.17 162.18 162.19 162.20 162.21 162.22 162.23 162.24 162.25 162.26 162.27 162.28 162.29 162.30 162.31 162.32 162.33 163.1 163.2 163.3 163.4 163.5 163.6 163.7 163.8 163.9 163.10 163.11 163.12 163.13 163.14 163.15 163.16 163.17 163.18 163.19 163.20 163.21 163.22 163.23 163.24 163.25 163.26 163.27 163.28 163.29 163.30 163.31 163.32 164.1 164.2 164.3 164.4 164.5 164.6 164.7 164.8 164.9 164.10 164.11 164.12 164.13 164.14 164.15 164.16 164.17 164.18 164.19 164.20 164.21 164.22 164.23 164.24 164.25 164.26 164.27 164.28 164.29 164.30 164.31 164.32 164.33 165.1 165.2 165.3 165.4 165.5 165.6 165.7 165.8 165.9 165.10 165.11 165.12 165.13 165.14 165.15 165.16 165.17 165.18 165.19 165.20 165.21 165.22 165.23 165.24 165.25 165.26 165.27 165.28 165.29 165.30 165.31 165.32 165.33 165.34 165.35 165.36 165.37 166.1 166.2 166.3 166.4 166.5 166.6 166.7 166.8 166.9 166.10 166.11 166.12 166.13 166.14 166.15 166.16 166.17 166.18 166.19 166.20 166.21 166.22 166.23 166.24 166.25 166.26 166.27 166.28 166.29 166.30 166.31 166.32 167.1 167.2 167.3 167.4 167.5 167.6 167.7 167.8 167.9 167.10 167.11 167.12 167.13 167.14 167.15 167.16 167.17 167.18 167.19 167.20 167.21 167.22 167.23 167.24 167.25 167.26 167.27 167.28 167.29 167.30 167.31 167.32 168.1 168.2 168.3 168.4 168.5 168.6 168.7 168.8 168.9 168.10 168.11 168.12 168.13 168.14 168.15 168.16 168.17 168.18 168.19 168.20 168.21 168.22 168.23 168.24 168.25 168.26 168.27 168.28 168.29 168.30 168.31
169.1 169.2 169.3 169.4 169.5 169.6 169.7 169.8 169.9 169.10 169.11 169.12 169.13 169.14 169.15 169.16 169.17 169.18 169.19 169.20 169.21 169.22 169.23 169.24 169.25 169.26 169.27 169.28 169.29 169.30 169.31 169.32 170.1 170.2 170.3 170.4 170.5 170.6 170.7 170.8 170.9 170.10 170.11 170.12 170.13 170.14 170.15 170.16 170.17 170.18 170.19 170.20 170.21 170.22 170.23 170.24 170.25 170.26 170.27 170.28 170.29 170.30 170.31 170.32 171.1 171.2 171.3 171.4 171.5 171.6 171.7 171.8 171.9 171.10 171.11 171.12 171.13 171.14 171.15 171.16 171.17 171.18 171.19 171.20 171.21 171.22 171.23 171.24 171.25 171.26 171.27 171.28 171.29 171.30 171.31 171.32 172.1 172.2 172.3 172.4 172.5 172.6 172.7 172.8 172.9 172.10 172.11 172.12 172.13 172.14 172.15 172.16 172.17 172.18 172.19 172.20 172.21 172.22 172.23 172.24 172.25 172.26 172.27 172.28 172.29 172.30 172.31 172.32 172.33 173.1 173.2 173.3 173.4 173.5 173.6 173.7 173.8 173.9 173.10 173.11 173.12 173.13 173.14 173.15 173.16 173.17 173.18 173.19 173.20 173.21 173.22 173.23 173.24 173.25 173.26 173.27 173.28 173.29 173.30 173.31 173.32 173.33 173.34 173.35 173.36 173.37 173.38 173.39 173.40 174.1 174.2 174.3 174.4 174.5 174.6 174.7 174.8 174.9 174.10 174.11 174.12 174.13 174.14 174.15 174.16 174.17 174.18 174.19 174.20 174.21 174.22 174.23 174.24 174.25 174.26 174.27 174.28 174.29 174.30 174.31 174.32 174.33 174.34 174.35 174.36 174.37 174.38 175.1 175.2 175.3 175.4 175.5 175.6 175.7 175.8 175.9 175.10 175.11 175.12 175.13 175.14 175.15 175.16 175.17 175.18 175.19 175.20 175.21 175.22 175.23 175.24 175.25 175.26 175.27 175.28 175.29 175.30 175.31 175.32 175.33 175.34 175.35 175.36 175.37 175.38 175.39 176.1 176.2 176.3 176.4 176.5 176.6 176.7 176.8 176.9 176.10 176.11 176.12 176.13 176.14 176.15 176.16 176.17 176.18 176.19 176.20 176.21 176.22 176.23 176.24 176.25 176.26 176.27 176.28 176.29 176.30 176.31 177.1 177.2 177.3 177.4 177.5 177.6 177.7 177.8 177.9 177.10 177.11 177.12 177.13 177.14 177.15 177.16 177.17 177.18 177.19 177.20 177.21 177.22 177.23 177.24 177.25 177.26 177.27 177.28 177.29 177.30 177.31 177.32
177.33 177.34 177.35 178.1 178.2 178.3 178.4 178.5 178.6 178.7 178.8 178.9 178.10 178.11 178.12 178.13 178.14 178.15 178.16 178.17 178.18 178.19 178.20 178.21 178.22 178.23 178.24 178.25 178.26 178.27 178.28 178.29 178.30 178.31 178.32 178.33 178.34 178.35 178.36 179.1 179.2 179.3 179.4 179.5 179.6 179.7 179.8 179.9 179.10 179.11 179.12 179.13 179.14 179.15 179.16 179.17 179.18 179.19 179.20 179.21 179.22 179.23 179.24
179.25 179.26 179.27 179.28 179.29 179.30 179.31 179.32 179.33 180.1 180.2 180.3 180.4 180.5 180.6 180.7 180.8 180.9 180.10 180.11 180.12 180.13 180.14 180.15 180.16 180.17 180.18 180.19 180.20 180.21 180.22 180.23 180.24 180.25 180.26 180.27 180.28 180.29 180.30 180.31 180.32 180.33 181.1 181.2 181.3 181.4 181.5 181.6 181.7 181.8 181.9 181.10 181.11 181.12 181.13 181.14 181.15 181.16 181.17 181.18 181.19 181.20 181.21 181.22 181.23 181.24 181.25 181.26 181.27 181.28 181.29 181.30 181.31 181.32 181.33 181.34 182.1 182.2 182.3 182.4 182.5 182.6 182.7 182.8 182.9 182.10 182.11 182.12 182.13 182.14 182.15 182.16 182.17 182.18 182.19 182.20 182.21 182.22 182.23 182.24 182.25 182.26 182.27 182.28 182.29 182.30 182.31 182.32 182.33 182.34 183.1 183.2 183.3 183.4 183.5 183.6 183.7 183.8 183.9 183.10 183.11 183.12 183.13 183.14 183.15 183.16 183.17 183.18 183.19 183.20 183.21 183.22 183.23 183.24 183.25 183.26 183.27 183.28 183.29 183.30 183.31 183.32 183.33 183.34 184.1 184.2 184.3 184.4 184.5 184.6 184.7 184.8 184.9 184.10 184.11 184.12 184.13 184.14 184.15 184.16 184.17 184.18 184.19 184.20 184.21 184.22 184.23 184.24 184.25 184.26 184.27 184.28 184.29 184.30 184.31 184.32 184.33 185.1 185.2 185.3 185.4 185.5 185.6 185.7 185.8 185.9 185.10 185.11 185.12 185.13 185.14 185.15 185.16 185.17 185.18 185.19 185.20 185.21 185.22
185.23 185.24 185.25 185.26 185.27 185.28 185.29 185.30 185.31 185.32 185.33 186.1 186.2 186.3 186.4 186.5 186.6 186.7 186.8 186.9 186.10 186.11 186.12 186.13 186.14 186.15 186.16 186.17 186.18 186.19 186.20 186.21 186.22 186.23 186.24 186.25 186.26 186.27 186.28 186.29 186.30 186.31 187.1 187.2 187.3 187.4 187.5 187.6 187.7 187.8 187.9 187.10 187.11 187.12 187.13 187.14 187.15 187.16 187.17 187.18 187.19 187.20 187.21 187.22 187.23 187.24 187.25 187.26 187.27 187.28 187.29 187.30 188.1 188.2 188.3 188.4 188.5 188.6 188.7 188.8 188.9 188.10 188.11 188.12 188.13 188.14 188.15 188.16 188.17 188.18 188.19 188.20 188.21 188.22 188.23 188.24 188.25 188.26 188.27 188.28 188.29 189.1 189.2 189.3 189.4 189.5 189.6 189.7 189.8 189.9
189.10 189.11 189.12 189.13 189.14 189.15 189.16 189.17 189.18 189.19 189.20 189.21 189.22 189.23 189.24 189.25 189.26 189.27 189.28 189.29 189.30 189.31 190.1 190.2 190.3 190.4 190.5 190.6 190.7 190.8 190.9 190.10 190.11 190.12 190.13 190.14 190.15 190.16 190.17 190.18 190.19 190.20 190.21 190.22 190.23 190.24 190.25 190.26 190.27 190.28 190.29 190.30 190.31 191.1 191.2 191.3 191.4 191.5 191.6 191.7 191.8 191.9 191.10 191.11 191.12 191.13 191.14 191.15 191.16 191.17 191.18 191.19 191.20 191.21 191.22 191.23 191.24 191.25 191.26 191.27 191.28 191.29 192.1 192.2 192.3 192.4 192.5 192.6 192.7 192.8 192.9 192.10 192.11 192.12 192.13 192.14 192.15 192.16 192.17 192.18 192.19 192.20 192.21 192.22 192.23 192.24 192.25
192.26 192.27
192.28 192.29
192.30
193.1 193.2 193.3 193.4 193.5
193.6
193.7 193.8
193.9 193.10
193.11 193.12 193.13 193.14 193.15 193.16 193.17 193.18 193.19 193.20 193.21 193.22 193.23 193.24 193.25 193.26 193.27 193.28 193.29
194.1 194.2 194.3 194.4 194.5 194.6 194.7 194.8 194.9 194.10 194.11 194.12 194.13 194.14 194.15 194.16 194.17 194.18 194.19 194.20 194.21 194.22 194.23 194.24 194.25 194.26 194.27 194.28 194.29 194.30 194.31 194.32 194.33 195.1 195.2 195.3 195.4 195.5 195.6 195.7 195.8 195.9 195.10
195.11 195.12 195.13 195.14 195.15 195.16 195.17 195.18 195.19 195.20 195.21 195.22 195.23 195.24 195.25 195.26 195.27 195.28 195.29 195.30 195.31
196.1 196.2 196.3 196.4 196.5 196.6 196.7 196.8 196.9 196.10 196.11 196.12 196.13
196.14 196.15 196.16 196.17 196.18 196.19 196.20 196.21 196.22 196.23 196.24 196.25 196.26 196.27 196.28 196.29 196.30 196.31 196.32 197.1 197.2 197.3 197.4 197.5 197.6 197.7 197.8
197.9 197.10 197.11 197.12 197.13 197.14 197.15 197.16 197.17 197.18 197.19 197.20 197.21 197.22 197.23 197.24 197.25 197.26 197.27 197.28 197.29 197.30 197.31 197.32 197.33 198.1 198.2 198.3 198.4 198.5 198.6 198.7 198.8 198.9 198.10 198.11 198.12 198.13 198.14 198.15 198.16 198.17 198.18 198.19 198.20 198.21 198.22 198.23 198.24 198.25 198.26 198.27 198.28 198.29 198.30 198.31 199.1 199.2 199.3 199.4 199.5 199.6 199.7 199.8 199.9 199.10 199.11 199.12 199.13 199.14 199.15 199.16 199.17 199.18 199.19 199.20 199.21 199.22 199.23 199.24 199.25 199.26 199.27 199.28 199.29 199.30 199.31 199.32 199.33 199.34 199.35 200.1 200.2 200.3 200.4 200.5 200.6 200.7 200.8 200.9 200.10 200.11 200.12
200.13 200.14 200.15 200.16 200.17 200.18 200.19 200.20 200.21 200.22 200.23 200.24 200.25 200.26 200.27 200.28 200.29 200.30 200.31 200.32 201.1 201.2 201.3 201.4 201.5 201.6 201.7 201.8 201.9 201.10 201.11 201.12 201.13 201.14 201.15 201.16 201.17 201.18 201.19 201.20 201.21 201.22 201.23 201.24 201.25 201.26 201.27 201.28 201.29 201.30 201.31 201.32 201.33 201.34 201.35 202.1 202.2 202.3 202.4 202.5 202.6 202.7 202.8 202.9 202.10 202.11 202.12 202.13 202.14 202.15 202.16 202.17 202.18 202.19 202.20 202.21
202.22
202.23 202.24 202.25 202.26 202.27 202.28 202.29 202.30 202.31 202.32 203.1 203.2 203.3 203.4 203.5 203.6 203.7 203.8 203.9 203.10 203.11 203.12 203.13 203.14 203.15 203.16 203.17 203.18 203.19 203.20 203.21 203.22 203.23
203.24 203.25 203.26 203.27 203.28 203.29 203.30 203.31 204.1 204.2 204.3 204.4 204.5 204.6 204.7 204.8 204.9 204.10 204.11 204.12 204.13 204.14 204.15 204.16 204.17 204.18 204.19 204.20 204.21 204.22 204.23
204.24
204.25 204.26 204.27 204.28 204.29 205.1 205.2 205.3 205.4 205.5 205.6 205.7 205.8 205.9 205.10 205.11 205.12
205.13 205.14 205.15 205.16 205.17 205.18 205.19 205.20 205.21 205.22 205.23 205.24 205.25
205.26 205.27 205.28 205.29 205.30
206.1 206.2 206.3 206.4 206.5 206.6 206.7 206.8 206.9 206.10 206.11 206.12 206.13 206.14 206.15 206.16
206.17 206.18 206.19 206.20 206.21 206.22 206.23 206.24 206.25 206.26
206.27 206.28 206.29 206.30 206.31
207.1 207.2 207.3 207.4 207.5 207.6 207.7 207.8 207.9 207.10 207.11 207.12 207.13 207.14 207.15 207.16 207.17 207.18 207.19 207.20 207.21 207.22 207.23 207.24 207.25 207.26 207.27
207.28 207.29 207.30 207.31 207.32 208.1 208.2
208.3 208.4 208.5 208.6 208.7 208.8 208.9 208.10 208.11 208.12 208.13 208.14 208.15 208.16 208.17 208.18 208.19
208.20 208.21 208.22 208.23 208.24 208.25 208.26
208.27 208.28 208.29

A bill for an act
 relating to commerce; modifying and adding various provisions governing financial
institutions, insurance, limited long-term care insurance; Medicare supplement
insurance, and insurance holding company systems; adopting the Uniform Special
Deposits Act; modifying the Minnesota Business Corporations Act; modifying
various garnishment forms; modifying various provisions implemented or enforced
by the Department of Commerce; authorizing administrative rulemaking; making
technical and conforming changes; amending Minnesota Statutes 2024, sections
41A.09, subdivision 2a; 45.027, subdivisions 1, 2, by adding a subdivision; 45.24;
46A.04; 47.20, subdivisions 2, 4a, 8; 47.77; 53B.61; 55.07, by adding a subdivision;
58B.02, subdivision 8a; 60C.09, subdivision 2; 60D.09, by adding a subdivision;
60D.15, subdivisions 4, 7, by adding subdivisions; 60D.16, subdivision 2; 60D.17,
subdivision 1; 60D.18, subdivision 3; 60D.19, subdivision 4, by adding
subdivisions; 60D.20, subdivision 1; 60D.217; 60D.22, subdivisions 1, 3, 6, by
adding a subdivision; 60D.24, subdivision 2; 60D.25; 62A.31, subdivisions 1, 1f,
1h, 1p, 1u, 4; 62A.44, subdivision 2; 62A.65, subdivision 2, by adding a
subdivision; 62D.12, subdivisions 2, 2a; 62D.121, subdivision 1; 62Q.73,
subdivision 4; 65B.02, subdivision 7; 65B.05; 65B.06, subdivisions 1, 2, 3; 65B.10,
subdivision 2; 72A.20, by adding a subdivision; 80A.66; 80E.12; 82B.19,
subdivision 5; 168.27, by adding a subdivision; 239.761, subdivisions 3, 4, 5, 6;
239.791, subdivision 11; 296A.01, subdivisions 20, 23, 24; 302A.011, subdivision
41, by adding subdivisions; 302A.111, subdivision 2; 302A.161, by adding a
subdivision; 302A.181, by adding a subdivision; 302A.201, subdivision 1;
302A.237, by adding a subdivision; 302A.361; 302A.461, subdivision 4; 302A.471,
subdivisions 1, 3; 302A.611, by adding a subdivision; 334.01, subdivision 2;
550.136, subdivisions 6, 9; 550.143, subdivisions 2, 3a, 3b, 3c; 551.05, subdivisions
1b, 1c, 1d; 551.06, subdivisions 6, 9; 571.72, subdivisions 8, 10; 571.74; 571.75,
subdivision 2; 571.912; 571.914, subdivision 2; 571.925; 571.931, subdivision 6;
571.932, subdivision 2; 580.07, subdivisions 1, 2; 581.02; Laws 2024, chapter
114, article 3, section 101; proposing coding for new law in Minnesota Statutes,
chapters 47; 60D; 62A; 302A; 325F; repealing Minnesota Statutes 2024, sections
62A.3099, subdivision 18b; 62A.31, subdivision 1w; 65B.10, subdivision 3;
325F.02; 325F.03; 325F.04; 325F.05; 325F.06; 325F.07; Laws 2023, chapter 57,
article 2, section 66.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

ARTICLE 1

FINANCIAL INSTITUTIONS

Section 1.

Minnesota Statutes 2024, section 46A.04, is amended to read:


46A.04 EXCEPTIONS AND EXEMPTIONS.

(a) The requirements under section 46A.03, subdivisions 3new text begin , paragraph (b)new text end ; 5, paragraph
deleted text begin (a)deleted text end new text begin (b)new text end ; 9; and 10, do not apply to financial institutions that maintain customer information
concerning fewer than 5,000 consumers.

(b) This chapter does not apply to credit unions or federally insured depository
institutions.

Sec. 2.

Minnesota Statutes 2024, section 47.20, subdivision 2, is amended to read:


Subd. 2.

Definitions.

For the purposes of this section the terms defined in this subdivision
have the meanings given them:

(1) "Actual closing costs" mean reasonable charges for or sums paid for the following,
whether or not retained by the mortgagee or lender:

(a) Any insurance premiums including but not limited to premiums for title insurance,
fire and extended coverage insurance, flood insurance, and private mortgage insurance, but
excluding any charges or sums retained by the mortgagee or lender as self-insured retention.

(b) Abstracting, title examination and search, and examination of public records.

(c) The preparation and recording of any or all documents required by law or custom
for closing a conventional or cooperative apartment loan.

(d) Appraisal and survey of real property securing a conventional loan or real property
owned by a cooperative apartment corporation of which a share or shares of stock or a
membership certificate or certificates are to secure a cooperative apartment loan.

(e) A single service charge, which includes any consideration, not otherwise specified
herein as an "actual closing cost" paid by the borrower and received and retained by the
lender for or related to the acquisition, making, refinancing or modification of a conventional
or cooperative apartment loan, and also includes any consideration received by the lender
for making a borrower's interest rate commitment or for making a borrower's loan
commitment, whether or not an actual loan follows the commitment. The term service charge
does not include forward commitment fees. The service charge shall not exceed one percent
of the original bona fide principal amount of the conventional or cooperative apartment
loan, except that in the case of a construction loan, the service charge shall not exceed two
percent of the original bona fide principal amount of the loan. That portion of the service
charge imposed because the loan is a construction loan shall be itemized and a copy of the
itemization furnished the borrower. A lender shall not collect from a borrower the additional
one percent service charge permitted for a construction loan if it does not perform the service
for which the charge is imposed or if third parties perform and charge the borrower for the
service for which the lender has imposed the charge.new text begin A loan that meets the Federal Qualified
Mortgage standards in Code of Federal Regulations, title 12, section 1026.43(e)(3), is exempt
from the service charge limitations of this section.
new text end

(f) Charges and fees necessary for or related to the transfer of real or personal property
securing a conventional or cooperative apartment loan or the closing of a conventional or
cooperative apartment loan paid by the borrower and received by any party other than the
lender.

(2) "Contract for deed" means an executory contract for the conveyance of real estate,
the original principal amount of which is less than $300,000. A commitment for a contract
for deed shall include an executed purchase agreement or earnest money contract wherein
the seller agrees to finance any part or all of the purchase price by a contract for deed.

(3) "Conventional loan" means a loan or advance of credit, other than a loan or advance
of credit made by a credit union or made pursuant to section 334.011, to a noncorporate
borrower in an original principal amount of less than or equal to the conforming loan limit
established by the Federal Housing Finance Agency under the Housing and Recovery Act
of 2018, Public Law 110-289, secured by a mortgage upon real property containing one or
more residential units or upon which at the time the loan is made it is intended that one or
more residential units are to be constructed, and which is not insured or guaranteed by the
secretary of housing and urban development, by the administrator of veterans affairs, or by
the administrator of the Farmers Home Administration, and which is not made pursuant to
the authority granted in subdivision 1, clause (3) or (4). The term mortgage does not include
contracts for deed or installment land contracts.

(4) "Cooperative apartment loan" means a loan or advance of credit, other than a loan
or advance of credit made by a credit union or made pursuant to section 334.011, to a
noncorporate borrower in an original principal amount of less than $100,000, secured by a
security interest on a share or shares of stock or a membership certificate or certificates
issued to a stockholder or member by a cooperative apartment corporation, which may be
accompanied by an assignment by way of security of the borrower's interest in the proprietary
lease or occupancy agreement in property issued by the cooperative apartment corporation
and which is not insured or guaranteed by the secretary of housing and urban development,
by the administrator of veterans affairs, or by the administrator of the Farmers Home
Administration.

(5) "Cooperative apartment corporation" means a corporation or cooperative organized
under chapter 308A or 317A, the shareholders or members of which are entitled, solely by
reason of their ownership of stock or membership certificates in the corporation or
association, to occupy one or more residential units in a building owned or leased by the
corporation or association.

(6) "Forward commitment fee" means a fee or other consideration paid to a lender for
the purpose of securing a binding forward commitment by or through the lender to make
conventional loans to two or more credit worthy purchasers, including future purchasers,
of residential units, or a fee or other consideration paid to a lender for the purpose of securing
a binding forward commitment by or through the lender to make conventional loans to two
or more credit worthy purchasers, including future purchasers, of units to be created out of
existing structures pursuant to chapter 515B, or a fee or other consideration paid to a lender
for the purpose of securing a binding forward commitment by or through the lender to make
cooperative apartment loans to two or more credit worthy purchasers, including future
purchasers, of a share or shares of stock or a membership certificate or certificates in a
cooperative apartment corporation; provided, that the forward commitment rate of interest
does not exceed the maximum lawful rate of interest effective as of the date the forward
commitment is issued by the lender.

(7) "Borrower's interest rate commitment" means a binding commitment made by a
lender to a borrower wherein the lender agrees that, if a conventional or cooperative
apartment loan is made following issuance of and pursuant to the commitment, the
conventional or cooperative apartment loan shall be made at a rate of interest not in excess
of the rate of interest agreed to in the commitment, provided that the rate of interest agreed
to in the commitment is not in excess of the maximum lawful rate of interest effective as
of the date the commitment is issued by the lender to the borrower.

(8) "Borrower's loan commitment" means a binding commitment made by a lender to a
borrower wherein the lender agrees to make a conventional or cooperative apartment loan
pursuant to the provisions, including the interest rate, of the commitment, provided that the
commitment rate of interest does not exceed the maximum lawful rate of interest effective
as of the date the commitment is issued and the commitment when issued and agreed to
shall constitute a legally binding obligation on the part of the mortgagee or lender to make
a conventional or cooperative apartment loan within a specified time period in the future at
a rate of interest not exceeding the maximum lawful rate of interest effective as of the date
the commitment is issued by the lender to the borrower; provided that a lender who issues
a borrower's loan commitment pursuant to the provisions of a forward commitment is
authorized to issue the borrower's loan commitment at a rate of interest not to exceed the
maximum lawful rate of interest effective as of the date the forward commitment is issued
by the lender.

(9) "Finance charge" means the total cost of a conventional or cooperative apartment
loan including extensions or grant of credit regardless of the characterization of the same
and includes interest, finders fees, and other charges levied by a lender directly or indirectly
against the person obtaining the conventional or cooperative apartment loan or against a
seller of real property securing a conventional loan or a seller of a share or shares of stock
or a membership certificate or certificates in a cooperative apartment corporation securing
a cooperative apartment loan, or any other party to the transaction except any actual closing
costs and any forward commitment fee. The finance charges plus the actual closing costs
and any forward commitment fee, charged by a lender shall include all charges made by a
lender other than the principal of the conventional or cooperative apartment loan. The finance
charge, with respect to wraparound mortgages, shall be computed based upon the face
amount of the wraparound mortgage note, which face amount shall consist of the aggregate
of those funds actually advanced by the wraparound lender and the total outstanding principal
balances of the prior note or notes which have been made a part of the wraparound mortgage
note.

(10) "Lender" means any person making a conventional or cooperative apartment loan,
or any person arranging financing for a conventional or cooperative apartment loan. The
term also includes the holder or assignee at any time of a conventional or cooperative
apartment loan.

(11) "Loan yield" means the annual rate of return obtained by a lender over the term of
a conventional or cooperative apartment loan and shall be computed as the annual percentage
rate as computed in accordance with sections 226.5 (b), (c), and (d) of Regulation Z, Code
of Federal Regulations, title 12, part 226, but using the definition of finance charge provided
for in this subdivision. For purposes of this section, with respect to wraparound mortgages,
the rate of interest or loan yield shall be based upon the principal balance set forth in the
wraparound note and mortgage and shall not include any interest differential or yield
differential between the stated interest rate on the wraparound mortgage and the stated
interest rate on the one or more prior mortgages included in the stated loan amount on a
wraparound note and mortgage.

(12) "Person" means an individual, corporation, business trust, partnership or association
or any other legal entity.

(13) "Residential unit" means any structure used principally for residential purposes or
any portion thereof, and includes a unit in a common interest community, a nonowner
occupied residence, and any other type of residence regardless of whether the unit is used
as a principal residence, secondary residence, vacation residence, or residence of some other
denomination.

(14) "Vendor" means any person or persons who agree to sell real estate and finance
any part or all of the purchase price by a contract for deed. The term also includes the holder
or assignee at any time of the vendor's interest in a contract for deed.

Sec. 3.

Minnesota Statutes 2024, section 47.20, subdivision 4a, is amended to read:


Subd. 4a.

Maximum interest rate.

(a) No conventional or cooperative apartment loan
or contract for deed shall be made at a rate of interest or loan yield in excess of a maximum
lawful interest rate in an amount equal to the deleted text begin Federal National Mortgage Association posted
yields on 30-year mortgage commitments for delivery within 60 days on standard
conventional fixed-rate mortgages published in the Wall Street Journal for the last business
day of the second preceding monthdeleted text end new text begin average prime offer rate, as defined in Code of Federal
Regulations, title 12, section 1026.35(a)(2), that applies to a comparable transaction, as
most recently published by the United States Consumer Financial Protection Bureau on the
last date the discounted interest rate for the transaction is set before consummation,new text end plus
four percentage points.new text begin If the index is not available, a substitute index may be adopted by
a commissioner order.
new text end

(b) The maximum lawful interest rate applicable to a cooperative apartment loan or
contract for deed at the time the loan or contract is made is the maximum lawful interest
rate for the term of the cooperative apartment loan or contract for deed. Notwithstanding
the provisions of section 334.01, a cooperative apartment loan or contract for deed may
provide, at the time the loan or contract is made, for the application of specified different
consecutive periodic interest rates to the unpaid principal balance, if no interest rate exceeds
the maximum lawful interest rate applicable to the loan or contract at the time the loan or
contract is made.

(c) The maximum interest rate that can be charged on a conventional loan or a contract
for deed, with a duration of ten years or less, for the purchase of real estate described in
section 83.20, subdivisions 11 and 13, is three percentage points above the rate permitted
under paragraph (a) or 15.75 percent per year, whichever is less. deleted text begin This paragraph is effective
August 1, 1992.
deleted text end

(d) Contracts for deed executed pursuant to a commitment for a contract for deed, or
conventional or cooperative apartment loans made pursuant to a borrower's interest rate
commitment or made pursuant to a borrower's loan commitment, or made pursuant to a
commitment for conventional or cooperative apartment loans made upon payment of a
forward commitment fee including a borrower's loan commitment issued pursuant to a
forward commitment, which commitment provides for consummation within some future
time following the issuance of the commitment may be consummated pursuant to the
provisions, including the interest rate, of the commitment notwithstanding the fact that the
maximum lawful rate of interest at the time the contract for deed or conventional or
cooperative apartment loan is actually executed or made is less than the commitment rate
of interest, provided the commitment rate of interest does not exceed the maximum lawful
interest rate in effect on the date the commitment was issued. The refinancing of: (1) an
existing conventional or cooperative apartment loan, (2) a loan insured or guaranteed by
the secretary of housing and urban development, the administrator of veterans affairs, or
the administrator of the Farmers Home Administration, or (3) a contract for deed by making
a conventional or cooperative apartment loan is deemed to be a new conventional or
cooperative apartment loan for purposes of determining the maximum lawful rate of interest
under this subdivision. The renegotiation of a conventional or cooperative apartment loan
or a contract for deed is deemed to be a new loan or contract for deed for purposes of
paragraph (b) and for purposes of determining the maximum lawful rate of interest under
this subdivision. A borrower's interest rate commitment or a borrower's loan commitment
is deemed to be issued on the date the commitment is hand delivered by the lender to, or
mailed to the borrower. A forward commitment is deemed to be issued on the date the
forward commitment is hand delivered by the lender to, or mailed to the person paying the
forward commitment fee to the lender, or to any one of them if there should be more than
one. A commitment for a contract for deed is deemed to be issued on the date the commitment
is initially executed by the contract for deed vendor or the vendor's authorized agent.

(e) A contract for deed executed pursuant to a commitment for a contract for deed, or a
loan made pursuant to a borrower's interest rate commitment, or made pursuant to a
borrower's loan commitment, or made pursuant to a forward commitment for conventional
or cooperative apartment loans made upon payment of a forward commitment fee including
a borrower's loan commitment issued pursuant to a forward commitment at a rate of interest
not in excess of the rate of interest authorized by this subdivision at the time the commitment
was made continues to be enforceable in accordance with its terms until the indebtedness
is fully satisfied.

Sec. 4.

Minnesota Statutes 2024, section 47.20, subdivision 8, is amended to read:


Subd. 8.

Conventional loan provisions.

new text begin (a) new text end A lender making a conventional loan shall
comply with the following:

(1) the promissory note and mortgage evidencing a conventional loan shall be printed
in not less than the equivalent of 8-point type, .075 inch computer type, or elite-size
typewritten numerals, or shall be legibly handwrittendeleted text begin .deleted text end new text begin ;
new text end

(2) the mortgage evidencing a conventional loan shall contain a provision whereby the
lender agrees to furnish the borrower with a conformed copy of the promissory note and
mortgage at the time they are executed or within a reasonable time after recordation of the
mortgagedeleted text begin .deleted text end new text begin ; and
new text end

(3) the mortgage evidencing a conventional loan shall contain a provision whereby the
lender, if it intends to foreclose, agrees to give the borrower written notice of any default
under the terms or conditions of the promissory note or mortgage, by sending the notice by
deleted text begin certifieddeleted text end new text begin : (i) first-classnew text end mail to the address of the mortgaged property or deleted text begin such otherdeleted text end new text begin a differentnew text end
address deleted text begin asdeleted text end the borrower deleted text begin may have designateddeleted text end new text begin designatesnew text end in writing to the lendernew text begin ; or (ii)
email or other electronic communication, if agreed to by the lender and the borrower in
writingnew text end . The lender need not give the borrower the notice required by this deleted text begin paragraphdeleted text end new text begin clausenew text end
if the default consists of the borrower selling the mortgaged property without the required
consent of the lender.

new text begin (b) new text end The mortgage shall further provide that the noticenew text begin under paragraph (a), clause (3),new text end
shall contain the following provisions:

deleted text begin (a)deleted text end new text begin (1)new text end the nature of the default by the borrower;

deleted text begin (b)deleted text end new text begin (2)new text end the action required to cure the default;

deleted text begin (c)deleted text end new text begin (3)new text end a date, not less than 30 days from the date the notice is mailed by which the
default must be cured;

deleted text begin (d)deleted text end new text begin (4)new text end that failure to cure the default on or before the date specified in the notice may
result in acceleration of the sums secured by the mortgage and sale of the mortgaged
premises;

deleted text begin (e)deleted text end new text begin (5)new text end that the borrower has the right to reinstate the mortgage after acceleration; and

deleted text begin (f)deleted text end new text begin (6)new text end that the borrower has the right to bring a court action to assert the nonexistence
of a default or any other defense of the borrower to acceleration and sale.

Sec. 5.

Minnesota Statutes 2024, section 47.77, is amended to read:


47.77 TRANSFER OF ACCOUNTS PROHIBITED; NOTICE ON CLOSING.

(a) No financial institution shall initiate a transfer of a deposit account to another deposit
account bearing different identification information without sending at least 30 days' prior
notice to at least one of the deposit account holders at the last known address on file with
the financial institution. If the new account is subject to different terms, the financial
institution must obtain the written consent of at least one of the deposit account holders
before the new terms become effective.

(b) No financial institution shall initiate a closure of a deposit account without first
sending at least one of the deposit account holders a notice of intent to close the deposit
account. The notice must be sent to the deposit account holder's last known address on file
with the financial institution at least 30 days before the financial institution closes the deposit
accountdeleted text begin ;deleted text end new text begin ,new text end except thatdeleted text begin ,deleted text end if the financial institution has reasonable suspicion to believe that
account is being used in connection with a check-related fraud or other crime deleted text begin or thatdeleted text end new text begin ,new text end funds
will not be available to pay items drawn on the account,new text begin or the deposit account holder has
engaged in harassment, as defined in section 609.749, subdivision 2, paragraph (c), toward
financial institution employees or customers,new text end the notice may be sent the same day as the
account is closed.

(c) As used in this section, the following terms have the meanings given them. "Deposit
account" means a contract of deposit of funds between a depositor and a financial institution,
and includes a checking account, savings account, certificate of deposit share account, and
other like arrangement. "Financial institution" means any organization authorized to do
business under state or federal laws relating to financial institutions, including, without
limitation, banks and trust companies, savings banks, savings associations, industrial loan
and thrift companies, and credit unions.

Sec. 6.

new text begin [47.90] TITLE.
 new text end

new text begin Sections 47.90 to 47.985 may be cited as the "Uniform Special Deposits Act."
 new text end

Sec. 7.

new text begin [47.905] DEFINITIONS.
 new text end

new text begin (a) For purposes of sections 47.90 to 47.985, the following terms have the meanings
given.
 new text end

new text begin (b) "Account agreement" means an agreement that:
 new text end

new text begin (1) is in a record between a bank and one or more depositors;
 new text end

new text begin (2) may have one or more beneficiaries as additional parties; and
 new text end

new text begin (3) states the intention of the parties to establish a special deposit governed by sections
47.90 to 47.985.
 new text end

new text begin (c) "Bank" means a person engaged in the business of banking and includes a savings
bank; savings and loan association; credit union; trust company; and a banking institution,
as defined in section 48.01, subdivision 2. Each branch or separate office of a bank is a
separate bank for the purposes of sections 47.90 to 47.985.
 new text end

new text begin (d) "Beneficiary" means a person that:
 new text end

new text begin (1) is identified as a beneficiary in an account agreement; or
 new text end

new text begin (2) if not identified as a beneficiary in an account agreement, may be entitled to payment
from a special deposit:
 new text end

new text begin (i) under the account agreement; or
 new text end

new text begin (ii) on termination of the special deposit.
 new text end

new text begin (e) "Contingency" means an event or circumstance stated in an account agreement that
is not certain to occur but must occur before the bank is obligated to pay a beneficiary.
 new text end

new text begin (f) "Creditor process" means attachment, garnishment, levy, notice of lien, sequestration,
or similar process issued by or on behalf of a creditor or other claimant.
 new text end

new text begin (g) "Depositor" means a person that establishes or funds a special deposit.
 new text end

new text begin (h) "Good faith" means honesty in fact and observance of reasonable commercial
standards of fair dealing.
 new text end

new text begin (i) "Knowledge" of a fact means:
 new text end

new text begin (1) with respect to a beneficiary, actual knowledge of the fact; or
 new text end

new text begin (2) with respect to a bank holding a special deposit:
 new text end

new text begin (i) if the bank:
 new text end

new text begin (A) has established a reasonable routine for communicating material information to an
individual to whom the bank has assigned responsibility for the special deposit; and
 new text end

new text begin (B) maintains reasonable compliance with the routine, actual knowledge of the fact by
that individual; or
 new text end

new text begin (ii) if the bank has not established and maintained reasonable compliance with a routine
described in item (i) or otherwise exercised due diligence, implied knowledge of the fact
that would have come to the attention of an individual to whom the bank has assigned
responsibility for the special deposit.
 new text end

new text begin (j) "Obligated to pay a beneficiary" means a beneficiary is entitled under the account
agreement to receive from the bank a payment when:
 new text end

new text begin (1) a contingency has occurred; and
 new text end

new text begin (2) the bank has knowledge the contingency has occurred.
 new text end

new text begin "Obligation to pay a beneficiary" has a corresponding meaning.
 new text end

new text begin (k) "Permissible purpose" means a governmental, regulatory, commercial, charitable,
or testamentary objective of the parties stated in an account agreement. Permissible purpose
includes an objective to:
 new text end

new text begin (1) hold funds:
 new text end

new text begin (i) in escrow, including for a purchase and sale, lease, buyback, or other transaction;
 new text end

new text begin (ii) as a security deposit of a tenant;
 new text end

new text begin (iii) that may be distributed to a person as remuneration, retirement or other benefit, or
compensation under a judgment, consent decree, court order, or other decision of a tribunal;
or
 new text end

new text begin (iv) for distribution to a defined class of persons after identification of the class members
and their interest in the funds;
 new text end

new text begin (2) provide assurance with respect to an obligation created by contract, such as earnest
money to ensure a transaction closes;
 new text end

new text begin (3) settle an obligation that arises in the operation of a payment system, securities
settlement system, or other financial market infrastructure;
 new text end

new text begin (4) provide assurance with respect to an obligation that arises in the operation of a
payment system, securities settlement system, or other financial market infrastructure; or
 new text end

new text begin (5) hold margin, other cash collateral, or funds that support the orderly functioning of
financial market infrastructure or the performance of an obligation with respect to the
infrastructure.
 new text end

new text begin (l) "Person" means an individual; estate; business or nonprofit entity; government or
governmental subdivision, agency, or instrumentality; or other legal entity. Person includes
a protected series, however denominated, of an entity if the protected series is established
under law that limits, or limits if conditions specified under law are satisfied, the ability of
a creditor of the entity or of any other protected series of the entity to satisfy a claim from
assets of the protected series.
 new text end

new text begin (m) "Record" means information:
 new text end

new text begin (1) inscribed on a tangible medium; or
 new text end

new text begin (2) stored in an electronic or other medium and retrievable in perceivable form.
 new text end

new text begin (n) "Special deposit" means a deposit that satisfies section 47.92.
 new text end

new text begin (o) "State" means a state of the United States, the District of Columbia, Puerto Rico, the
United States Virgin Islands, or any other territory or possession subject to the jurisdiction
of the United States. State includes an agency or instrumentality of the state.
 new text end

Sec. 8.

new text begin [47.91] SCOPE; CHOICE OF LAW; FORUM.
 new text end

new text begin (a) Sections 47.90 to 47.985 apply to a special deposit under an account agreement that
states the intention of the parties to establish a special deposit governed by sections 47.90
to 47.985, regardless of whether a party to the account agreement or a transaction related
to the special deposit, or the special deposit itself, has a reasonable relation to this state.
 new text end

new text begin (b) The parties to an account agreement may choose a forum in this state for settling a
dispute arising out of the special deposit, regardless of whether a party to the account
agreement or a transaction related to the special deposit, or the special deposit itself, has a
reasonable relation to this state.
 new text end

new text begin (c) Sections 47.90 to 47.985 do not affect:
 new text end

new text begin (1) a right or obligation relating to a deposit other than a special deposit under sections
47.90 to 47.985; or
 new text end

new text begin (2) the voidability of a deposit or transfer that is fraudulent or voidable under other law.
 new text end

Sec. 9.

new text begin [47.915] VARIATION BY AGREEMENT OF AMENDMENT.
 new text end

new text begin (a) The effect of sections 47.905 to 47.925, 47.935 to 47.96, and 47.975 may not be
varied by agreement, except as provided in those sections. Subject to paragraph (b), the
effect of sections 47.93, 47.965, and 47.97 may be varied by agreement.
 new text end

new text begin (b) A provision in an account agreement or other record that substantially excuses liability
or substantially limits remedies for failure to perform an obligation under sections 47.90 to
47.985 is not sufficient to vary the effect of a provision of sections 47.90 to 47.985.
 new text end

new text begin (c) If a beneficiary is a party to an account agreement, the bank and the depositor may
amend the agreement without the consent of the beneficiary only if the agreement expressly
permits the amendment.
 new text end

new text begin (d) If a beneficiary is not a party to an account agreement and the bank and the depositor
know the beneficiary has knowledge of the agreement's terms, the bank and the depositor
may amend the agreement without the consent of the beneficiary only if the amendment
does not adversely and materially affect a payment right of the beneficiary.
 new text end

new text begin (e) If a beneficiary is not a party to an account agreement and the bank and the depositor
do not know whether the beneficiary has knowledge of the agreement's terms, the bank and
the depositor may amend the agreement without the consent of the beneficiary only if the
amendment is made in good faith.
 new text end

Sec. 10.

new text begin [47.92] REQUIREMENTS OF SPECIAL DEPOSIT.
 new text end

new text begin A deposit is a special deposit if it is:
 new text end

new text begin (1) a deposit of funds in a bank under an account agreement;
 new text end

new text begin (2) for the benefit of at least two beneficiaries, one or more of which may be a depositor;
 new text end

new text begin (3) denominated in a medium of exchange that is currently authorized or adopted by a
domestic or foreign government;
 new text end

new text begin (4) for a permissible purpose stated in the account agreement; and
 new text end

new text begin (5) subject to a contingency.
 new text end

Sec. 11.

new text begin [47.925] PERMISSIBLE PURPOSE.
 new text end

new text begin (a) A special deposit must serve at least one permissible purpose stated in the account
agreement from the time the special deposit is created in the account agreement until
termination of the special deposit.
 new text end

new text begin (b) If, before termination of the special deposit, the bank or a court determines the special
deposit no longer satisfies paragraph (a), sections 47.935 to 47.96 cease to apply to any
funds deposited in the special deposit after the special deposit ceases to satisfy paragraph
(a).
 new text end

new text begin (c) If, before termination of a special deposit, the bank determines the special deposit
no longer satisfies paragraph (a), the bank may take action it believes is necessary under
the circumstances, including terminating the special deposit.
 new text end

Sec. 12.

new text begin [47.93] PAYMENT TO BENEFICIARY BY BANK.
 new text end

new text begin (a) Unless the account agreement provides otherwise, the bank is obligated to pay a
beneficiary if there are sufficient actually and finally collected funds in the balance of the
special deposit.
 new text end

new text begin (b) Except as provided in paragraph (c), the obligation to pay the beneficiary is excused
if the funds available in the special deposit are insufficient to cover such payment.
 new text end

new text begin (c) Unless the account agreement provides otherwise, if the funds available in the special
deposit are insufficient to cover an obligation to pay a beneficiary, a beneficiary may elect
to be paid the funds that are available or, if there is more than one beneficiary, a pro rata
share of the funds available. Payment to the beneficiary making the election under this
paragraph discharges the bank's obligation to pay a beneficiary and does not constitute an
accord and satisfaction with respect to another person obligated to the beneficiary.
 new text end

new text begin (d) Unless the account agreement provides otherwise, the obligation of the bank obligated
to pay a beneficiary is immediately due and payable.
 new text end

new text begin (e) The bank may discharge its obligation under this section by:
 new text end

new text begin (1) crediting another transaction account of the beneficiary; or
 new text end

new text begin (2) taking other action that:
 new text end

new text begin (i) is permitted under the account agreement for the bank to obtain a discharge; or
 new text end

new text begin (ii) otherwise would constitute a discharge under law.
 new text end

new text begin (f) If the bank obligated to pay a beneficiary has incurred an obligation to discharge the
obligation of another person, the obligation of the other person is discharged if action by
the bank under paragraph (e) would constitute a discharge of the obligation of the other
person under law that determines whether an obligation is satisfied.
 new text end

Sec. 13.

new text begin [47.935] PROPERTY INTEREST OF DEPOSITOR OR BENEFICIARY.
 new text end

new text begin (a) Neither a depositor nor a beneficiary has a property interest in a special deposit.
 new text end

new text begin (b) Any property interest with respect to a special deposit is only in the right to receive
payment if the bank is obligated to pay a beneficiary and not in the special deposit itself.
Any property interest under this paragraph is determined under other law.
 new text end

Sec. 14.

new text begin [47.94] WHEN CREDITOR PROCESS ENFORCEABLE AGAINST BANK.
 new text end

new text begin (a) Subject to paragraph (b), creditor process with respect to a special deposit is not
enforceable against the bank holding the special deposit.
 new text end

new text begin (b) Creditor process is enforceable against the bank holding a special deposit with respect
to an amount the bank is obligated to pay a beneficiary or a depositor if the process:
 new text end

new text begin (1) is served on the bank;
 new text end

new text begin (2) provides sufficient information to permit the bank to identify the depositor or the
beneficiary from the bank's books and records; and
 new text end

new text begin (3) gives the bank a reasonable opportunity to act on the process.
 new text end

new text begin (c) Creditor process served on a bank before it is enforceable against the bank under
paragraph (b) does not create a right of the creditor against the bank or a duty of the bank
to the creditor. Other law determines whether creditor process creates a lien enforceable
against the beneficiary on a contingent interest of a beneficiary, including a depositor as a
beneficiary, even if not enforceable against the bank.
 new text end

Sec. 15.

new text begin [47.945] INJUNCTION OR SIMILAR RELIEF.
 new text end

new text begin A court may enjoin, or grant similar relief that would have the effect of enjoining, a
bank from paying a depositor or beneficiary only if payment would constitute a material
fraud or facilitate a material fraud with respect to a special deposit.
 new text end

Sec. 16.

new text begin [47.96] RECOUPMENT OR SET OFF.
 new text end

new text begin (a) Except as provided in paragraph (b) or (c), a bank may not exercise a right of
recoupment or set off against a special deposit.
 new text end

new text begin (b) An account agreement may authorize the bank to debit the special deposit:
 new text end

new text begin (1) when the bank becomes obligated to pay a beneficiary, in an amount that does not
exceed the amount necessary to discharge the obligation;
 new text end

new text begin (2) for a fee assessed by the bank that relates to an overdraft in the special deposit
account;
 new text end

new text begin (3) for costs incurred by the bank that relate directly to the special deposit; or
 new text end

new text begin (4) to reverse an earlier credit posted by the bank to the balance of the special deposit
account, if the reversal occurs under an event or circumstance warranted under other law
of this state governing mistake and restitution.
 new text end

new text begin (c) The bank holding a special deposit may exercise a right of recoupment or set off
against an obligation to pay a beneficiary, even if the bank funds payment from the special
deposit.
 new text end

Sec. 17.

new text begin [47.965] DUTIES AND LIABILITY OF BANK.
 new text end

new text begin (a) A bank does not have a fiduciary duty to any person with respect to a special deposit.
 new text end

new text begin (b) When the bank holding a special deposit becomes obligated to pay a beneficiary, a
debtor-creditor relationship arises between the bank and beneficiary.
 new text end

new text begin (c) The bank holding a special deposit has a duty to a beneficiary to comply with the
account agreement and sections 47.90 to 47.985.
 new text end

new text begin (d) If the bank holding a special deposit does not comply with the account agreement
or sections 47.90 to 47.985, the bank is liable to a depositor or beneficiary only for damages
proximately caused by the noncompliance. Except as provided by other law of this state,
the bank is not liable for consequential, special, or punitive damages.
 new text end

new text begin (e) The bank holding a special deposit may rely on records presented in compliance with
the account agreement to determine whether the bank is obligated to pay a beneficiary.
 new text end

new text begin (f) If the account agreement requires payment on presentation of a record, the bank shall
determine within a reasonable time whether the record is sufficient to require payment. If
the agreement requires action by the bank on presentation of a record, the bank is not liable
for relying in good faith on the genuineness of the record if the record appears on its face
to be genuine.
 new text end

new text begin (g) Unless the account agreement provides otherwise, the bank is not required to
determine whether a permissible purpose stated in the agreement continues to exist.
 new text end

Sec. 18.

new text begin [47.97] TERM AND TERMINATION.
 new text end

new text begin (a) Unless otherwise provided in the account agreement, a special deposit terminates
five years after the date the special deposit was first funded.
 new text end

new text begin (b) Unless otherwise provided in the account agreement, if the bank cannot identify or
locate a beneficiary entitled to payment when the special deposit is terminated, and a balance
remains in the special deposit, the bank shall pay the balance to the depositor or depositors
as a beneficiary or beneficiaries.
 new text end

new text begin (c) A bank that pays the remaining balance as provided under paragraph (b) has no
further obligation with respect to the special deposit.
 new text end

Sec. 19.

new text begin [47.975] PRINCIPLES OF LAW AND EQUITY.
 new text end

new text begin Chapter 336; consumer protection law; law governing deposits generally; law related
to escheat and abandoned or unclaimed property; and the principles of law and equity,
including law related to capacity to contract, principal and agent, estoppel, fraud,
misrepresentation, duress, coercion, mistake, and bankruptcy, supplement sections 47.90
to 47.985, except to the extent inconsistent with sections 47.90 to 47.985.
 new text end

Sec. 20.

new text begin [47.98] UNIFORMITY OF APPLICATION AND CONSTRUCTION.
 new text end

new text begin In applying and construing this uniform act, a court shall consider the promotion of
uniformity of the law among jurisdictions that enact it.
 new text end

Sec. 21.

new text begin [47.985] TRANSITIONAL PROVISION.
 new text end

new text begin Sections 47.90 to 47.985 apply to:
 new text end

new text begin (1) a special deposit made under an account agreement executed on or after August 1,
2025; and
 new text end

new text begin (2) a deposit made under an agreement executed before August 1, 2025, if:
 new text end

new text begin (i) all parties entitled to amend the agreement agree to make the deposit a special deposit
governed by sections 47.90 to 47.985; and
 new text end

new text begin (ii) the special deposit referenced in the amended agreement satisfies section 47.92.
 new text end

Sec. 22.

Minnesota Statutes 2024, section 53B.61, is amended to read:


53B.61 MAINTENANCE OF PERMISSIBLE INVESTMENTS.

(a) A licensee must maintain at all times permissible investments that have a market
value computed in accordance with United States generally accepted accounting principles
of not less than the aggregate amount of all of the licensee's outstanding money transmission
obligations.

(b) Except for permissible investments enumerated in section 53B.62, deleted text begin paragraph (a)deleted text end new text begin
subdivision 1, clause (1)new text end , the commissioner may by administrative rule or order, with respect
to any licensee, limit the extent to which a specific investment maintained by a licensee
within a class of permissible investments may be considered a permissible investment, if
the specific investment represents undue risk to customers not reflected in the market value
of investments.

(c) Permissible investments, even if commingled with other assets of the licensee, are
held in trust for the benefit of the purchasers and holders of the licensee's outstanding money
transmission obligations in the event of insolvency; the filing of a petition by or against the
licensee under the United States Bankruptcy Code, United States Code, title 11, sections
101 to 110, as amended or recodified from time to time, for bankruptcy or reorganization;
the filing of a petition by or against the licensee for receivership; the commencement of any
other judicial or administrative proceeding for the licensee's dissolution or reorganization;
or in the event of an action by a creditor against the licensee who is not a beneficiary of this
statutory trust. No permissible investments impressed with a trust pursuant to this paragraph
are subject to attachment, levy of execution, or sequestration by order of any court, except
for a beneficiary of the statutory trust.

(d) Upon the establishment of a statutory trust in accordance with paragraph (c), or when
any funds are drawn on a letter of credit pursuant to section 53B.62, paragraph (a), clause
(4), the commissioner must notify the applicable regulator of each state in which the licensee
is licensed to engage in money transmission, if any, of the establishment of the trust or the
funds drawn on the letter of credit, as applicable. Notice is deemed satisfied if performed
pursuant to a multistate agreement or through NMLS. Funds drawn on a letter of credit, and
any other permissible investments held in trust for the benefit of the purchasers and holders
of the licensee's outstanding money transmission obligations, are deemed held in trust for
the benefit of the purchasers and holders of the licensee's outstanding money transmission
obligations on a pro rata and equitable basis in accordance with statutes pursuant to which
permissible investments are required to be held in Minnesota and other states, as defined
by a substantially similar statute in the other state. Any statutory trust established under this
section terminates upon extinguishment of all of the licensee's outstanding money
transmission obligations.

(e) The commissioner may by rule or by order allow other types of investments that the
commissioner determines are of sufficient liquidity and quality to be a permissible
investment. The commissioner is authorized to participate in efforts with other state regulators
to determine that other types of investments are of sufficient liquidity and quality to be a
permissible investment.

Sec. 23.

Minnesota Statutes 2024, section 55.07, is amended by adding a subdivision to
read:


new text begin Subd. 3. new text end

new text begin Safe deposit lease; automatic renewal. new text end

new text begin A safe deposit lease may renew
automatically at the end of the lease's term. A consumer may terminate a safe deposit lease
at any time in writing or in any other manner described in the lease.
 new text end

Sec. 24.

Minnesota Statutes 2024, section 58B.02, subdivision 8a, is amended to read:


Subd. 8a.

Lender.

"Lender" means an entity engaged in the business of securing, making,
or extending student loans. Lender does not include, to the extent that state regulation is
preempted by federal law:

(1) a bank, savings banks, savings and loan association, or credit union;

(2) a wholly owned subsidiary of a bank or credit union;

(3) an operating subsidiary where each owner is wholly owned by the same bank or
credit union;

(4) the United States government, through Title IV of the Higher Education Act of 1965,
as amended, and administered by the United States Department of Education;

(5) an agency, instrumentality, or political subdivision of Minnesota;

(6) a regulated lender organized under chapter 56, except that a regulated lender must
file the annual report required for lenders under section 58B.03, subdivision deleted text begin 11deleted text end new text begin 10new text end ; or

(7) a person who is not in the business of making student loans and who makes no more
than three student loans, with the person's own funds, during any 12-month period.

Sec. 25.

Minnesota Statutes 2024, section 334.01, subdivision 2, is amended to read:


Subd. 2.

Contracts of $100,000 or more.

Notwithstanding any law to the contrary,
except as stated in section 58.137, and with respect to deleted text begin contractsdeleted text end new text begin a conventional loan or
contractnew text end for deed, section 47.20, subdivision 4a, no limitation on the rate or amount of
interest, points, finance charges, fees, or other charges applies to a loan, mortgage, credit
sale, or advance made under a written contract, signed by the debtor, for the extension of
credit to the debtor in the amount of $100,000 or more, or any written extension and other
written modification of the written contract. The written contract, written extension, and
written modification are exempt from the other provisions of this chapter.

Sec. 26.

Minnesota Statutes 2024, section 580.07, subdivision 1, is amended to read:


Subdivision 1.

Postponement by mortgagee.

(a) The sale may be postponed, from time
to time, by the party conducting the foreclosure. The party requesting the postponement
must, at the party's expense:

(1) publish, only once, a notice of the postponement and the rescheduled date of the sale,
if known, as soon as practicable, in the newspaper in which the notice under section 580.03
was published; and

(2) send by first class mail to the occupant, postmarked within three business days of
the postponed sale, notice:

(i) of the postponement; and

(ii) if known, of the rescheduled date of the sale and the date on or before which the
mortgagor must vacate the property if the sheriff's sale is not further postponed, the mortgage
is not reinstated under section 580.30, the property is not redeemed under section 580.23,
or the redemption period is not reduced under section 582.032. The notice must state that
the time to vacate the property is 11:59 p.m. on the specified date.

(b) If the rescheduled date of the sale is not known at the time of the initial publication
and notice to the occupant of postponement, the foreclosing party must, at its expense if
and when a new date of sale is scheduled:

(1) publish, only once, notice of the rescheduled date of the sale, as soon as practicable,
in the newspaper in which the notice under section 580.03 and the notice of postponement
under paragraph (a) was published; and

(2) send by first class mail to the occupant, postmarked within ten days of the rescheduled
sale, notice:

(i) of the date of the rescheduled sale; and

(ii) of the date on or before which the mortgagor must vacate the property if the mortgage
is not reinstated under section 580.30 or the property redeemed under section 580.23. The
notice must state that the time to vacate the property is 11:59 p.m. on the specified date.

new text begin (c) The right of a mortgagee to postpone a foreclosure sale under this section applies to
a foreclosure by action taken under chapter 581.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2025, for judicial foreclosures
with the lis pendens recorded on or after the effective date.
 new text end

Sec. 27.

Minnesota Statutes 2024, section 580.07, subdivision 2, is amended to read:


Subd. 2.

Postponement by mortgagor or owner.

(a) If all or a part of the property to
be sold is classified as homestead under section 273.124 and contains one to four dwelling
units, the mortgagor or owner may, in the manner provided in this subdivision, postpone
the sale to the first date that is not a Saturday, Sunday, or legal holiday and is:

(1) five months after the originally scheduled date of sale if the original redemption
period was six months under section 580.23, subdivision 1; or

(2) 11 months after the originally scheduled date of sale if the original redemption period
was 12 months under section 580.23, subdivision 2. To postpone a foreclosure sale pursuant
to this subdivision, at any time after the first publication of the notice of mortgage foreclosure
sale under section 580.03 but at least 15 days prior to the scheduled sale date specified in
that notice, the mortgagor shall: (1) execute a sworn affidavit in the form set forth in
subdivision 3, (2) record the affidavit in the office of each county recorder and registrar of
titles where the mortgage was recorded, and (3) file with the sheriff conducting the sale and
deliver to the attorney foreclosing the mortgage a copy of the recorded affidavit, showing
the date and office in which the affidavit was recorded. Recording of the affidavit and
postponement of the foreclosure sale pursuant to this subdivision shall automatically reduce
the mortgagor's redemption period under section 580.23 to five weeks. The postponement
of a foreclosure sale pursuant to this subdivision does not require any change in the contents
of the notice of sale, service of the notice of sale if the occupant was served with the notice
of sale prior to postponement under this subdivision, or publication of the notice of sale if
publication was commenced prior to postponement under this subdivision, notwithstanding
the service and publication time periods specified in section 580.03, but the sheriff's
certificate of sale shall indicate the actual date of the foreclosure sale and the actual length
of the mortgagor's redemption period. No notice of postponement need be published. An
affidavit complying with subdivision 3 shall be prima facie evidence of the facts stated
therein, and shall be entitled to be recorded. The right to postpone a foreclosure sale pursuant
to this subdivision may be exercised only once, regardless whether the mortgagor reinstates
the mortgage prior to the postponed mortgage foreclosure sale.

(b) If the automatic stay under United States Code, title 11, section 362, applies to the
mortgage foreclosure after a mortgagor or owner requests postponement of the sheriff's sale
under this section, then when the automatic stay is no longer applicable, the mortgagor's or
owner's election to shorten the redemption period to five weeks under this section remains
applicable to the mortgage foreclosure.

(c) Except for the circumstances set forth in paragraph (b), this section does not reduce
the mortgagor's redemption period under section 580.23 for any subsequent foreclosure of
the mortgage.

new text begin (d) The right of a mortgagor or owner to postpone a foreclosure sale under this section
applies to a foreclosure by action taken under chapter 581.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2025, for judicial foreclosures
with the lis pendens recorded on or after the effective date.
 new text end

Sec. 28.

Minnesota Statutes 2024, section 581.02, is amended to read:


581.02 APPLICATION, CERTAIN SECTIONS.

new text begin (a) new text end The provisions of sections 580.08, 580.09, 580.12, 580.22, 580.25, and 580.27, so
far as they relate to the form of the certificate of sale, shall apply to and govern the
foreclosure of mortgages by action.

new text begin (b) Section 580.07 applies to actions for the foreclosure of mortgages taken under this
chapter.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2025, for judicial foreclosures
with the lis pendens recorded on or after the effective date.
 new text end

Sec. 29. new text begin CERTAIN COMPLIANCE OPTIONAL.
new text end

new text begin A lender's compliance with Minnesota Statutes, section 47.20, subdivision 8, is optional
with respect to conventional loan mortgage documents dated between August 1, 2024, and
July 31, 2025.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective retroactively from July 31, 2024.
 new text end

ARTICLE 2

INSURANCE

Section 1.

Minnesota Statutes 2024, section 60C.09, subdivision 2, is amended to read:


Subd. 2.

Further definition.

In addition to subdivision 1, a covered claim does not
include:

(1) claims by an affiliate of the insurer;

(2) claims due a reinsurer, insurer, insurance pool, or underwriting association, as
subrogation recoveries, reinsurance recoveries, contribution, indemnification, or otherwise.
This clause does not prevent a person from presenting the excluded claim to the insolvent
insurer or its liquidator, but the claims shall not be asserted against another person, including
the person to whom the benefits were paid or the insured of the insolvent insurer, except to
the extent that the claim is outside the coverage of the policy issued by the insolvent insurer;
deleted text begin and
deleted text end

(3) any claims, resulting from insolvencies which occur after July 31, 1996, by an insured
whose net worth exceeds $25,000,000 on December 31 of the year prior to the year in which
the insurer becomes an insolvent insurer; provided that an insured's net worth on that date
shall be deemed to include the aggregate net worth of the insured and all of its subsidiaries
and affiliates as calculated on a consolidated basisnew text begin . The association may request financial
information from an insured to determine the insured's net worth under this clause. If an
insured fails to provide the requested financial information within 60 days of the date the
association submits a request, the insured's net worth is deemed to exceed $25,000,000 for
purposes of the association's evaluation of the claim under section 60C.10. A request by
the association to an insured seeking financial information under this clause must inform
the insured of the consequences of failing to provide the requested informationnew text end ;

(4) any claims under a policy written by an insolvent insurer with a deductible or
self-insured retention of $300,000 or more, nor that portion of a claim that is within an
insured's deductible or self-insured retention;new text begin and
new text end

(5) claims that are a fine, penalty, interest, or punitive or exemplary damages.

Sec. 2.

Minnesota Statutes 2024, section 62A.65, subdivision 2, is amended to read:


Subd. 2.

Guaranteed renewal.

No individual health plan may be offered, sold, issued,
or renewed to a Minnesota resident unless the health plan provides that the plan is guaranteed
renewable at a premium rate that does not take into account the claims experience or any
change in the health status of any covered person that occurred after the initial issuance of
the health plan to the person. The premium rate upon renewal must also otherwise comply
with this section. A health carrier deleted text begin must not refusedeleted text end new text begin is prohibited from refusing new text end to renew deleted text begin andeleted text end new text begin
a Minnesota resident'snew text end individual health plandeleted text begin , except for nonpayment of premiums, fraud,
or misrepresentation.deleted text end new text begin unless:
new text end

new text begin (1) the enrollee has failed to pay premiums in accordance with the health plan's terms,
including any timeliness requirements;
 new text end

new text begin (2) the enrollee has performed an act or practice that constitutes fraud or made an
intentional misrepresentation of material fact under the health plan's terms;
 new text end

new text begin (3) the enrollee no longer lives in the area where the issuer is authorized to operate;
 new text end

new text begin (4) a health carrier discontinues an individual health plan as provided under subdivision
2a; or
 new text end

new text begin (5) a health carrier discontinues issuing new individual health plans and refuses to renew
all of the health carrier's existing individual health plans issued in Minnesota as provided
under subdivision 8.
 new text end

Sec. 3.

Minnesota Statutes 2024, section 62A.65, is amended by adding a subdivision to
read:


new text begin Subd. 2a. new text end

new text begin Discontinuing individual health plan. new text end

new text begin (a) In order to discontinue a particular
type of individual health plan in Minnesota for purposes of subdivision 2, clause (4), a health
carrier must:
 new text end

new text begin (1) provide written notice to the commissioner that approves the individual health plan's
policy forms and filings, in the form and manner approved by the commissioner, regarding
the health carrier's intent to discontinue a particular type of individual health plan in
Minnesota. The notice must be provided no later than May 1 of the year before the date the
individual health plan intends to discontinue the particular type of individual health plan;
 new text end

new text begin (2) provide written notice to each individual enrolled in the individual health plan no
later than 90 days before the date the coverage is discontinued;
 new text end

new text begin (3) offer each individual covered by the individual health plan that the health carrier
intends to discontinue the option to purchase on a guaranteed-issue basis any other individual
health plan currently offered by the health carrier for individuals in that market; and
 new text end

new text begin (4) act uniformly without regard to any factor relating to the health status factor of
covered individuals or dependents of covered individuals who may become eligible for
coverage.
 new text end

new text begin (b) The commissioner may disapprove a health carrier discontinuing a particular type
of individual health plan within 60 days after receiving notice under paragraph (a) if the
commissioner determines discontinuing the plan is not in Minnesota policyholders' best
interest. When making the determination under this paragraph, the commissioner may
consider the size of plan enrollment, the availability of comparable individual health plan
options offered by the health carrier in Minnesota, or any other factor the commissioner
deems relevant.
 new text end

new text begin (c) A health carrier may appeal the commissioner's determination under paragraph (b)
to disapprove the health carrier's plan to discontinue a particular type of individual health
plan in Minnesota. An appeal under this paragraph is subject to the contested case procedures
under chapter 14 and must be made within 30 days of the date the commissioner makes a
written determination under paragraph (b).
 new text end

Sec. 4.

Minnesota Statutes 2024, section 62D.12, subdivision 2, is amended to read:


Subd. 2.

Coverage cancellation; nonrenewal.

No health maintenance organization may
cancel or fail to renew the coverage of an enrollee except for (1) failure to pay the charge
for health care coverage; (2) termination of the health care plannew text begin subject to section 62A.65,
subdivisions 2 and 2anew text end ; (3) termination of the group plan; (4) enrollee moving out of the area
served, subject to section 62A.17, subdivisions 1 and 6, and section 62D.104; (5) enrollee
moving out of an eligible group, subject to section 62A.17, subdivisions 1 and 6, and section
62D.104; (6) failure to deleted text begin make co-payments required bydeleted text end new text begin pay premiums as provided by the
terms ofnew text end the health care plannew text begin , including timeliness requirementsnew text end ; (7) fraud or
misrepresentation by the enrollee with respect to eligibility for coverage or any other material
fact; or (8) other reasons established in rules promulgated by the commissioner of health.

Sec. 5.

Minnesota Statutes 2024, section 62D.12, subdivision 2a, is amended to read:


Subd. 2a.

Cancellation or nonrenewal notice.

Enrollees shall be given 30 days' notice
of any cancellation or nonrenewal, except thatnew text begin : (1) enrollees in a plan terminated under
section 62A.65, subdivisions 2, clause (4), and 2a, must receive the 90 days' notice required
under section 62A.65, subdivision 2a, paragraph (a), clause (2); and (2)new text end enrollees who are
eligible to receive replacement coverage under section 62D.121, subdivision 1, shall receive
90 days' notice as provided under section 62D.121, subdivision 5.

Sec. 6.

Minnesota Statutes 2024, section 62D.121, subdivision 1, is amended to read:


Subdivision 1.

Replacement coverage.

When membership of an enrollee who has
individual health coverage is terminated by the health maintenance organization for a reason
other than (a) failure to pay the charge for health care coverage; (b) failure to deleted text begin make
co-payments required bydeleted text end new text begin pay premiums as provided by the terms ofnew text end the health care plannew text begin ,
new text end new text begin including timeliness requirementsnew text end ; (c) enrollee moving out of the area served; or (d) a
materially false statement or misrepresentation by the enrollee in the application for
membership, the health maintenance organization must offer or arrange to offer replacement
coverage, without evidence of insurability, without preexisting condition exclusions, and
without interruption of coverage.

Sec. 7.

Minnesota Statutes 2024, section 62Q.73, subdivision 4, is amended to read:


Subd. 4.

Contract.

Pursuant to a request for proposal, deleted text begin the commissioner of administration,
in consultation withdeleted text end the commissioners of health and commercedeleted text begin , shalldeleted text end new text begin mustnew text end contract with
deleted text begin at least three organizationsdeleted text end new text begin more than one organizationnew text end or business deleted text begin entitiesdeleted text end new text begin entitynew text end to provide
independent external reviews of all adverse determinations submitted for external review.
The contract deleted text begin shalldeleted text end new text begin mustnew text end ensure that the fees for services rendered in connection with the
reviews are reasonable.

Sec. 8.

Minnesota Statutes 2024, section 65B.02, subdivision 7, is amended to read:


Subd. 7.

Participation ratio.

"Participation ratio" means the ratio of the member's
Minnesota premiums, or other measure of business written approved by the commissioner,
in relation to the comparable statewide totals for all members.

(1) For private passenger nonfleet automobile insurance coverages the participation ratio
shall be based on voluntary car years written in this state for the calendar year ending
December 31 of the second prior year, as reported by the statistical agent of each member
as private passenger nonfleet exposures.

(2) For insurance coverages on all other automobiles, including insurance for fleets,
commercial vehicles, public vehicles and garages, the ratio shall be based on the total
Minnesota gross, direct automobile insurance premiums written, including both policy and
membership fees less return premiums and premiums on policies not taken, without including
reinsurance assumed and without deducting reinsurance ceded, and less the amount of such
premiums reported as received for insurance on private passenger nonfleet vehicles, for the
calendar year ending December 31 of the second prior year.

(3) For the purpose of determining each member's responsibility for expenses and
assessmentsnew text begin to operate the facilitynew text end , the ratio shall be based on each member's total Minnesota
car years and gross, direct premiums written, including both policy and membership fees
less return premiums and premiums on policies not taken, without including reinsurance
assumed and without deducting reinsurance ceded, for the calendar year ending December
31 of the second prior year, provided, however, that the preliminary determination of each
member's responsibility for expenses and assessments may use the calendar year ending
December 31 of the third prior year.

Sec. 9.

Minnesota Statutes 2024, section 65B.05, is amended to read:


65B.05 POWER OF FACILITY, GOVERNING COMMITTEE.

new text begin (a) The facility is authorized to: (1) issue or cause to be issued insurance policies in the
name of the Minnesota automobile insurance plan to applicants for the types of insurance
available under the plan, subject to limits specified in the plan of operation; (2) underwrite
the insurance and adjust and pay losses with respect to the plan; and (3) retain, hire, or
appoint an individual or company to perform a function under clause (1) or (2).
 new text end

new text begin (b) new text end The governing committee shall have the power to direct the operation of the facility
in all pursuits consistent with the purposes and terms of sections 65B.01 to 65B.12, including
but not limited to deleted text begin the followingdeleted text end :

(1) deleted text begin To sue and bedeleted text end new text begin suing and beingnew text end sued in the name of the facility and deleted text begin todeleted text end assess each
member in accord with its participation ratio to pay any judgment against the facility as an
entity, provided, however, that no judgment against the facility shall create any liabilities
in one or more members disproportionate to their participation ratio or an individual
representing members on the governing committeedeleted text begin .deleted text end new text begin ;
new text end

(2) deleted text begin To delegatedeleted text end new text begin delegatingnew text end ministerial duties, deleted text begin to hiredeleted text end new text begin hiringnew text end a managernew text begin ,new text end and deleted text begin to contractdeleted text end new text begin
contractingnew text end for goods and services from othersdeleted text begin .deleted text end new text begin ;
new text end

(3) deleted text begin To assessdeleted text end new text begin assessingnew text end members on the basis of participation ratios to cover anticipated
costs of operation and administration of the facilitydeleted text begin .deleted text end new text begin ; and
new text end

(4) deleted text begin To imposedeleted text end new text begin imposingnew text end limitations on cancellation or nonrenewal by members of
insureds covered pursuant to placement through the facility in addition to the limitations
imposed by chapter 72A and sections 65B.1311 to 65B.21.

Sec. 10.

Minnesota Statutes 2024, section 65B.06, subdivision 1, is amended to read:


Subdivision 1.

Distribution of private passenger, nonfleet auto risks.

With respect
to private passenger, nonfleet automobiles, the facility shall provide for deleted text begin the equitable
distribution of qualified applicants todeleted text end membersnew text begin to share premium, losses, costs, and expensesnew text end
in accordance with the participation ratio deleted text begin or among these insurance companies as selected
under the provisions of the plan of operationdeleted text end .

Sec. 11.

Minnesota Statutes 2024, section 65B.06, subdivision 2, is amended to read:


Subd. 2.

Private passenger; nonfleet auto coverage.

With respect to private passenger,
nonfleet automobiles, the facility shall provide for the issuance of policies of automobile
insurance deleted text begin by membersdeleted text end with coverage as follows:

(1) bodily injury liability and property damage liability coverage in the minimum amounts
specified in section 65B.49, subdivision 3;

(2) uninsured and underinsured motorist coverages as required by section 65B.49,
subdivisions 3a and 4a;

(3) a reasonable selection of higher limits of liability coverage up to $50,000 because
of bodily injury to or death of one person in any one accident and, subject to such limit for
one person, up to $100,000 because of bodily injury to or death of two or more persons in
any one accident, and up to $25,000 because of injury to or destruction of property of others
in any one accident, or higher limits of liability coverage as recommended by the governing
committee and approved by the commissioner;

(4) basic economic loss benefits, as required by section 65B.44, and other optional
coverages as recommended by the governing committee and approved by the commissioner;
and

(5) automobile physical damage coverage, including coverage of loss by collision, subject
to deductible options.

Sec. 12.

Minnesota Statutes 2024, section 65B.06, subdivision 3, is amended to read:


Subd. 3.

Other auto coverage.

With respect to all automobiles not included in
subdivisions 1 and 2, the facility shall provide:

(1) the minimum limits of coverage required by section 65B.49, subdivisions 2, 3, 3a,
and 4a, or higher limits of liability coverage as recommended by the governing committee
and approved by the commissioner;

(2) for the equitable deleted text begin distribution of qualified applicantsdeleted text end new text begin sharing of premium, losses,
costs, and expensesnew text end for this coverage among the members in deleted text begin accorddeleted text end new text begin accordancenew text end with the
applicable participation ratiodeleted text begin , or among these insurance companies as selected under the
provisions of the plan of operationdeleted text end ; and

(3) for a school district or contractor transporting school children under contract with a
school district, that amount of automobile liability insurance coverage, not to exceed
$1,000,000, required by the school district by resolution or contract, or that portion of such
$1,000,000 of coverage for which the school district or contractor applies and for which it
is eligible under section 65B.10.

Sec. 13.

Minnesota Statutes 2024, section 65B.10, subdivision 2, is amended to read:


Subd. 2.

Termination of eligibility.

Eligibility for placement through the facility will
terminate if an insured is offered equivalent coverage in the voluntary market at a rate lower
than the facility rate. deleted text begin If the member that is required to provide coverage by the facility makes
such an offer after giving 30 days' advance written notice to the agent of record before
making the offer, the member shall have no further obligation to the agent of record.
deleted text end

Sec. 14.

Minnesota Statutes 2024, section 72A.20, is amended by adding a subdivision to
read:


new text begin Subd. 42. new text end

new text begin Availability of current policy. new text end

new text begin After an original policy of automobile insurance
under section 65B.14, subdivision 2, or homeowner's insurance under section 65A.27,
subdivision 4, has been issued, an insurer must deliver a copy of the current policy to the
first named insured within 21 days of the date a request for the current policy is received.
The copy may be delivered in paper form, electronically, or via a website link. An insurer
is required to provide a current policy in response to a request under this subdivision once
per policy period.
 new text end

Sec. 15. new text begin REPEALER.
new text end

new text begin Minnesota Statutes 2024, section 65B.10, subdivision 3, new text end new text begin is repealed.
 new text end

ARTICLE 3

LIMITED LONG-TERM CARE INSURANCE

Section 1.

new text begin [62A.481] LIMITED LONG-TERM CARE INSURANCE.
 new text end

new text begin Subdivision 1. new text end

new text begin Short title. new text end

new text begin This section may be known and cited as the "Limited
Long-Term Care Insurance Act."
 new text end

new text begin Subd. 2. new text end

new text begin Definitions. new text end

new text begin (a) For purposes of this section, the following terms have the
meanings given.
 new text end

new text begin (b) "Applicant" means:
 new text end

new text begin (1) in the case of an individual limited long-term care insurance policy, the person who
seeks to contract for benefits; or
 new text end

new text begin (2) in the case of a group limited long-term care insurance policy, the proposed certificate
holder.
 new text end

new text begin (c) "Certificate" means a certificate issued under a group limited long-term care insurance
policy that has been delivered or issued for delivery in Minnesota.
 new text end

new text begin (d) "Commissioner" means the commissioner of commerce.
 new text end

new text begin (e) "Elimination period" means the length of time between meeting the eligibility for
benefit payment and receiving benefit payments from an insurer.
 new text end

new text begin (f) "Group limited long-term care insurance" means a limited long-term care insurance
policy that is delivered or issued for delivery in Minnesota and issued to:
 new text end

new text begin (1) one or more employers or labor organizations, a trust or the trustees of a fund
established by one or more employers, labor organizations, or a combination of employers
and labor organizations for: (i) employees, former employees, or a combination of employees
or former employees; or (ii) members, former members, or a combination of members or
former members of the labor organizations;
 new text end

new text begin (2) a professional, trade, or occupational association for the association's members,
former members, retired members, or a combination of members, former members, or retired
members, if the association:
 new text end

new text begin (i) is composed of individuals, all of whom are or were actively engaged in the same
profession, trade, or occupation; and
 new text end

new text begin (ii) has been maintained in good faith for purposes other than obtaining insurance;
 new text end

new text begin (3) an association, a trust, or the trustees of a fund established, created, or maintained
for the benefit of members of one or more associations. Prior to advertising, marketing, or
offering the policy within Minnesota, the association or associations, or the insurer of the
association or associations, must file evidence with the commissioner that the association
or associations have at the outset:
 new text end

new text begin (i) a minimum of 100 persons;
 new text end

new text begin (ii) been organized and maintained in good faith for purposes other than obtaining
insurance;
 new text end

new text begin (iii) been in active existence for at least one year; and
 new text end

new text begin (iv) a constitution and bylaws that provide:
 new text end

new text begin (A) the association or associations hold regular meetings not less than annually to further
purposes of the members;
 new text end

new text begin (B) except for credit unions, the association or associations collect dues or solicit
contributions from members; and
 new text end

new text begin (C) the members have voting privileges and representation on the governing board and
committees.
 new text end

new text begin Thirty days after the filing, the association or associations are deemed to satisfy the
organizational requirements unless the commissioner makes a finding that the association
or associations do not satisfy the organizational requirements; or
 new text end

new text begin (4) a group other than a group described in clauses (1) to (3), subject to the commissioner
finding that:
 new text end

new text begin (i) issuing the policy is not contrary to the public interest;
 new text end

new text begin (ii) issuing the policy results in acquisition or administrative economies; and
 new text end

new text begin (iii) the policy's benefits are reasonable in relation to the premiums charged.
 new text end

new text begin (g) "Limited long-term care insurance" means an insurance policy or rider:
 new text end

new text begin (1) issued by: (i) an insurer; (ii) a fraternal benefit society; (iii) a nonprofit health, hospital,
or medical service corporation; (iv) a prepaid health plan; (v) a health maintenance
organization; or (vi) a similar organization, to the extent the organization is authorized to
issue life or health insurance;
 new text end

new text begin (2) advertised, marketed, offered, or designed to provide coverage for less than 12
consecutive months for each covered person on an expense-incurred, indemnity, prepaid,
or other basis; and
 new text end

new text begin (3) for one or more necessary or medically necessary diagnostic, preventive, therapeutic,
rehabilitative, maintenance, or personal care service provided in a setting other than a
hospital's acute care unit.
 new text end

new text begin Limited long-term care insurance includes a policy or rider that provides for payment of
benefits based upon cognitive impairment or the loss of functional capacity. Limited
long-term care insurance does not include an insurance policy that is offered primarily to
provide basic Medicare supplement coverage, basic hospital expense coverage, basic
medical-surgical expense coverage, hospital confinement indemnity coverage, major medical
expense coverage, disability income or related asset-protection coverage, accident-only
coverage, specified disease or specified accident coverage, or limited benefit health coverage.
 new text end

new text begin (h) "Policy" means a policy, contract, subscriber agreement, rider, or endorsement
delivered or issued for delivery in Minnesota by an insurer; fraternal benefit society; nonprofit
health, hospital, or medical service corporation; prepaid health plan; health maintenance
organization; or any similar organization.
 new text end

new text begin (i) "Waiting period" means the time an insured individual must wait before some or all
of the insured individual's coverage becomes effective.
 new text end

new text begin Subd. 3. new text end

new text begin Scope. new text end

new text begin (a) This section applies to policies delivered or issued for delivery in
Minnesota on or after January 1, 2026. This section does not supersede an obligation that
an entity subject to this section has to comply with other applicable insurance laws to the
extent the other insurance laws do not conflict with this section, except that laws and
regulations designed and intended to apply to Medicare supplement insurance policies must
not be applied to limited long-term care insurance.
 new text end

new text begin (b) Notwithstanding any other provision of this section, a product, policy, certificate, or
rider advertised, marketed, or offered as limited long-term care insurance is subject to this
section.
 new text end

new text begin Subd. 4. new text end

new text begin Group limited long-term care insurance; extra-territorial jurisdiction. new text end

new text begin Group
limited long-term care insurance coverage must not be offered to a Minnesota resident under
a group policy issued in another state to a group described in subdivision 2, paragraph (f),
clause (4), unless Minnesota or another state having statutory and regulatory limited
long-term care insurance requirements substantially similar to those adopted in Minnesota
makes a determination that the statutory and regulatory limited long-term care insurance
requirements have been met.
 new text end

new text begin Subd. 5. new text end

new text begin Limited long-term care insurance; disclosure and performance
standards. new text end

new text begin (a) A limited long-term care insurance policy must not:
 new text end

new text begin (1) cancel, not renew, or otherwise terminate on the basis of the insured individual's or
certificate holder's age, gender, or deterioration of mental or physical health;
 new text end

new text begin (2) contain a provision that establishes a new waiting period in the event existing coverage
is converted to or replaced by a new or other form of coverage within the same company,
except with respect to an increase in benefits voluntarily selected by the insured individual
or group policyholder; or
 new text end

new text begin (3) provide coverage for only skilled nursing care or provide significantly more coverage
for skilled nursing care in a facility than coverage provided for lower levels of care.
 new text end

new text begin (b) A limited long-term care insurance policy or certificate issued to a group identified
in subdivision 2, paragraph (f), clauses (2) to (4), is prohibited from: (1) using a definition
for preexisting condition that is more restrictive than or excludes a condition for which
medical advice or treatment was recommended by or received from a health care services
provider within the six months preceding the date an insured individual's coverage is
effective; and (2) excluding coverage for a loss or confinement that is the result of a
preexisting condition unless the loss or confinement begins within six months of the date
an insured individual's coverage is effective. The commissioner may extend the limitation
periods established in clauses (1) and (2) with respect to specific age group categories in
specific policy forms upon a finding that the extension is in the public interest. The definition
of preexisting condition required under clause (1) does not prohibit an insurer from using
an application form designed to elicit the complete health history of an applicant and, on
the basis of the applicant's answers on the application, from underwriting in accordance
with that insurer's established underwriting standards. Unless otherwise provided in the
policy or certificate, an insurer is not required to cover a preexisting condition, regardless
of whether the preexisting condition is disclosed on the application, until the waiting period
under clause (2) expires. A limited long-term care insurance policy or certificate is prohibited
from excluding or using waivers or riders of any kind to exclude, limit, or reduce coverage
or benefits for specifically named or described preexisting diseases or physical conditions
beyond the waiting period established in clause (2).
 new text end

new text begin (c) A limited long-term care insurance policy must not be delivered or issued for delivery
in Minnesota if the policy conditions eligibility: new text end new text begin (1) for any benefits, on a prior hospitalization
requirement; (2) for benefits provided in an institutional care setting, on the receipt of a
higher level of institutional care; or (3) for any benefits other than waiver of premium,
post-confinement, post-acute care, or recuperative benefits, on a prior institutionalization
requirement. A limited long-term care insurance policy, certificate, or rider is prohibited
from conditioning eligibility for noninstitutional benefits on the prior or continuing receipt
of skilled care services.
 new text end

new text begin (d) The commissioner may adopt administrative rules that establish loss ratio standards
for limited long-term care insurance policies if a specific reference to limited long-term
care insurance policies is contained in the administrative rule.
 new text end

new text begin (e) A limited long-term care insurance applicant has the right to: (1) return the policy,
certificate, or rider to the company or the company's agent or insurance producer within 30
days of the date the policy, certificate, or rider is received; and (2) have the premium refunded
if, after examination of the policy, certificate, or rider, the applicant is not satisfied with the
policy, certificate, or rider for any reason.
 new text end

new text begin (f) A limited long-term care insurance policy, certificate, or rider must have a notice
prominently printed on the first page or attached to the policy, certificate, or rider that
includes specific instructions for a limited long-term care insurance applicant to return a
policy, certificate, or rider under paragraph (e). The following statement or a substantially
similar statement must be included with the instructions:
 new text end

new text begin "You have 30 days from the date you receive this policy, certificate, or rider to review
and return it to the company if you decide not to keep it. You do not have to tell the company
why you are returning it. If you decide to not keep the policy, certificate, or rider, simply
return it to the company at the company's administrative office, or you may return it to the
agent or insurance producer that you bought it from. You must return the policy, certificate,
or rider within 30 days of the date you first received it. The company must refund the full
amount of any premium paid within 30 days of the date the company receives the returned
policy, certificate, or rider. The premium refund is sent directly to the person who paid it.
A returned policy, certificate, or rider is void, as if it never was issued."
 new text end

new text begin This paragraph does not apply to certificates issued pursuant to a policy issued to a group
defined in subdivision 2, paragraph (f), clause (1).
 new text end

new text begin (g) A coverage outline must be delivered to a prospective applicant for limited long-term
care insurance at the time an initial solicitation is made, using a means that prominently
directs the recipient's attention to the coverage outline and the coverage outline's purpose.
The commissioner must prescribe: (1) a standard format, including style, arrangement, and
overall appearance; and (2) the content that must be contained on a coverage outline. With
respect to an agent solicitation, the agent must deliver the coverage outline before presenting
an application or enrollment form. With respect to a direct response solicitation, the coverage
outline must be provided in conjunction with an application or enrollment form. Delivery
of a coverage outline is not required for a policy issued to a group defined in subdivision
2, paragraph (f), clause (1), if the information described in paragraph (h) is contained in
other materials relating to enrollment. A copy of the other materials must be made available
to the commissioner upon request.
 new text end

new text begin (h) The coverage outline provided under paragraph (g) must include:
 new text end

new text begin (1) a description of the principal benefits and coverage provided in the policy;
 new text end

new text begin (2) a description of the eligibility triggers for benefits and how the eligibility triggers
are met;
 new text end

new text begin (3) a statement identifying the principal exclusions, reductions, and limitations contained
in the policy;
 new text end

new text begin (4) a statement describing the terms under which the policy, certificate, or both may be
continued in force or discontinued, including any reservation in the policy of a right to
change premium. A continuation or conversion provision for group coverage must be
specifically described;
 new text end

new text begin (5) a statement indicating that coverage outline is a summary only and not an insurance
contract, and that the policy or group master policy contains the governing contractual
provisions;
 new text end

new text begin (6) a description of the terms under which the policy or certificate may be returned and
premium refunded;
 new text end

new text begin (7) a brief description of the relationship between cost of care and benefits; and
 new text end

new text begin (8) a statement that discloses to the policyholder or certificate holder that the policy is
not long-term care insurance.
 new text end

new text begin (i) A certificate issued pursuant to a group limited long-term care insurance policy that
is delivered or issued for delivery in Minnesota must include:
 new text end

new text begin (1) a description of the principal benefits and coverage provided in the policy;
 new text end

new text begin (2) a statement identifying the principal exclusions, reductions, and limitations contained
in the policy; and
 new text end

new text begin (3) a statement indicating that the group master policy determines governing contractual
provisions.
 new text end

new text begin (j) If an application for a limited long-term care insurance contract or certificate is
approved, the issuer must deliver the contract or certificate of insurance to the applicant no
later than 30 days after the date the application is approved.
 new text end

new text begin (k) If a claim under a limited long-term care insurance contract is denied, the issuer
must, within 60 days of the date the policyholder, certificate holder, or a representative of
the policyholder or certificate holder submits a written request:
 new text end

new text begin (1) provide a written explanation detailing the reasons for the denial; and
 new text end

new text begin (2) make available all information directly related to the denial.
 new text end

new text begin (l) A disclosure, statement, or written information and explanation required in this section,
whether in print or electronic form, must accommodate the communication needs of
individuals with disabilities and persons with limited English proficiency, as required by
law.
 new text end

new text begin Subd. 6. new text end

new text begin Incontestability period. new text end

new text begin (a) An insurer may (1) rescind a limited long-term
care insurance policy or certificate, or (2) deny an otherwise valid limited long-term care
insurance claim, for a policy or certificate that has been in force for less than six months
upon a showing of misrepresentation that is material to the coverage acceptance.
 new text end

new text begin (b) An insurer may (1) rescind a limited long-term care insurance policy or certificate,
or (2) deny an otherwise valid limited long-term care insurance claim, for a policy or
certificate that has been in force for at least six months but less than two years upon a
showing of misrepresentation that is both material to the coverage acceptance and that
pertains to the condition for which benefits are sought.
 new text end

new text begin (c) A policy or certificate that has been in force for two years is not contestable upon
the grounds of misrepresentation alone. A policy or certificate that has been in force for
two years may be contested only upon a showing that the insured knowingly and intentionally
misrepresented relevant facts relating to the insured individual's health.
 new text end

new text begin (d) A limited long-term care insurance policy or certificate may be field issued if
compensation to the field issuer is not based on the number of policies or certificates issued.
For purposes of this paragraph, "field issued" means a policy or certificate issued by a
producer or a third-party administrator (1) pursuant to the underwriting authority granted
to the producer or third-party administrator by an insurer, and (2) using the insurer's
underwriting guidelines.
 new text end

new text begin (e) If an insurer paid benefits under the limited long-term care insurance policy or
certificate, the benefit payments are not recoverable by the insurer if the policy or certificate
is rescinded.
 new text end

new text begin Subd. 7. new text end

new text begin Nonforfeiture benefits. new text end

new text begin (a) A limited long-term care insurance policy may
offer the option to purchase a policy or certificate that includes a nonforfeiture benefit. A
nonforfeiture benefit may be offered in the form of a rider that is attached to the policy. If
the policyholder or certificate holder does not purchase the nonforfeiture benefit, the insurer
must provide a contingent benefit upon lapse that must be available for a specified period
of time after a substantial increase in premium rates, as determined by the commissioner
under paragraph (c).
 new text end

new text begin (b) When a group limited long-term care insurance policy is issued, a nonforfeiture
benefit offer must be made to the group policyholder. If the policy is issued as group limited
long-term care insurance, as defined in subdivision 2, paragraph (f), clause (4), to an entity
other than a continuing care retirement community or other similar entity, a nonforfeiture
benefit offer must be made to each proposed certificate holder.
 new text end

new text begin (c) The commissioner must adopt administrative rules that specify: (1) the type or types
of nonforfeiture benefits that must be offered as part of limited long-term care insurance
policies and certificates; (2) the standards for nonforfeiture benefits; and (3) requirements
regarding contingent benefit upon lapse, including determining the specified period of time
during which a contingent benefit upon lapse is available and the substantial premium rate
increase that triggers a contingent benefit upon lapse, as described in paragraph (a).
 new text end

new text begin Subd. 8. new text end

new text begin Administrative rulemaking. new text end

new text begin (a) The commissioner must adopt reasonable
administrative rules to: (1) promote premium adequacy; (2) protect a policyholder in the
event of a substantial rate increase; and (3) establish minimum standards for producer
education, marketing practices, producer compensation, producer testing, independent
review of benefit determinations, penalties, and reporting practices for limited long-term
care insurance.
 new text end

new text begin (b) Administrative rules adopted under this section are subject to chapter 14.
 new text end

new text begin Subd. 9. new text end

new text begin Severability. new text end

new text begin If any provision of this section or the application of the provision
to any person or circumstance is held invalid for any reason, the remainder of the section
and the application of the invalid provision to other persons or circumstances is not affected.
 new text end

new text begin Subd. 10. new text end

new text begin Penalties. new text end

new text begin In addition to any other penalties provided by the laws of Minnesota,
an insurer or producer that violates any requirement under this section or other law relating
to the regulation of limited long-term care insurance or the marketing of limited long-term
care insurance is subject to a fine of up to three times the amount of commissions paid for
each policy involved in the violation or up to $10,000, whichever is greater.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective January 1, 2026.
 new text end

ARTICLE 4

MEDICARE SUPPLEMENT INSURANCE

Section 1.

Minnesota Statutes 2024, section 62A.31, subdivision 1, is amended to read:


Subdivision 1.

Policy requirements.

No individual or group policy, certificate, subscriber
contract issued by a health service plan corporation regulated under chapter 62C, or other
evidence of accident and health insurance the effect or purpose of which is to supplement
Medicare coverage, including to supplement coverage under Medicare Advantage plans
established under Medicare Part C, issued or delivered in this state or offered to a resident
of this state shall be sold or issued to an individual covered by Medicare unless the
requirements in subdivisions 1a to deleted text begin 1wdeleted text end new text begin 1vnew text end are met.

Sec. 2.

Minnesota Statutes 2024, section 62A.31, subdivision 1f, is amended to read:


Subd. 1f.

Suspension based on entitlement to medical assistance.

(a) The policy or
certificate must provide that benefits and premiums under the policy or certificate shall be
suspended for any period that may be provided by federal regulation at the request of the
policyholder or certificate holder for the period, not to exceed 24 months, in which the
policyholder or certificate holder has applied for and is determined to be entitled to medical
assistance under title XIX of the Social Security Act, but only if the policyholder or certificate
holder notifies the issuer of the policy or certificate within 90 days after the date the
individual becomes entitled to this assistance.

(b) If suspension occurs and if the policyholder or certificate holder loses entitlement
to this medical assistance, the policy or certificate shall be automatically reinstated, effective
as of the date of termination of this entitlement, if the policyholder or certificate holder
provides notice of loss of the entitlement within 90 days after the date of the loss and pays
the premium attributable to the period, effective as of the date of termination of entitlement.

(c) The policy must provide that upon reinstatement (1) there is nonew text begin additionalnew text end waiting
period with respect to treatment of preexisting conditions, (2) coverage is provided which
is substantially equivalent to coverage in effect before the date of the suspension. If the
suspended policy provided coverage for outpatient prescription drugs, reinstitution of the
policy for Medicare Part D enrollees must be without coverage for outpatient prescription
drugs and must otherwise provide coverage substantially equivalent to the coverage in effect
before the date of suspension, and (3) premiums are classified on terms that are at least as
favorable to the policyholder or certificate holder as the premium classification terms that
would have applied to the policyholder or certificate holder had coverage not been suspended.

Sec. 3.

Minnesota Statutes 2024, section 62A.31, subdivision 1h, is amended to read:


Subd. 1h.

Limitations on denials, conditions, and pricing of coverage.

No health
carrier issuing Medicare-related coverage in this state may impose preexisting condition
limitations or otherwise deny or condition the issuance or effectiveness of any such coverage
available for sale in this state, nor may it discriminate in the pricing of such coverage,
because of the health status, claims experience, receipt of health care, medical condition,
or age of an applicant where an application for such coverage is submitteddeleted text begin : (1)deleted text end prior to or
during the six-month period beginning with the first day of the month in which an individual
first enrolled for benefits under Medicare Part Bdeleted text begin ; or (2) during the open enrollment perioddeleted text end .
This subdivision applies to each Medicare-related coverage offered by a health carrier
regardless of whether the individual has attained the age of 65 years. If an individual who
is enrolled in Medicare Part B due to disability status is involuntarily disenrolled due to loss
of disability status, the individual is eligible for another six-month enrollment period provided
under this subdivision beginning the first day of the month in which the individual later
becomes eligible for and enrolls again in Medicare Part B deleted text begin and during the open enrollment
perioddeleted text end . An individual who is or was previously enrolled in Medicare Part B due to disability
status is eligible for another six-month enrollment period under this subdivision beginning
the first day of the month in which the individual has attained the age of 65 years and either
maintains enrollment in, or enrolls again in, Medicare Part B deleted text begin and during the open enrollment
perioddeleted text end . If an individual enrolled in Medicare Part B voluntarily disenrolls from Medicare
Part B because the individual becomes enrolled under an employee welfare benefit plan,
the individual is eligible for another six-month enrollment period, as provided in this
subdivision, beginning the first day of the month in which the individual later becomes
eligible for and enrolls again in Medicare Part B deleted text begin and during the open enrollment perioddeleted text end .

Sec. 4.

Minnesota Statutes 2024, section 62A.31, subdivision 1p, is amended to read:


Subd. 1p.

Renewal or continuation provisions.

Medicare supplement policies and
certificates shall include a renewal or continuation provision. The language or specifications
of the provision shall be consistent with the type of contract issued. The provision shall be
appropriately captioned and shall appear on the first page of the policy or certificate, and
shall include any reservation by the issuer of the right to change premiums. Except for riders
or endorsements by which the issuer effectuates a request made in writing by the insured,
exercises a specifically reserved right under a Medicare supplement policy or certificate,
or is required to reduce or eliminate benefits to avoid duplication of Medicare benefits, all
riders or endorsements added to a Medicare supplement policy or certificate after the date
of issue or at reinstatement or renewal that reduce or eliminate benefits or coverage in the
policy or certificate shall require a signed acceptance by the insured. After the date of policy
or certificate issue, a rider or endorsement that increases benefits or coverage with a
concomitant increase in premium during the policy or certificate term shall be agreed to in
writing and signed by the insured, unless the benefits are required by the minimum standards
for Medicare supplement policies or if the increased benefits or coverage is required by
law. Where a separate additional premium is charged for benefits provided in connection
with riders or endorsements, the premium charge shall be set forth in the policy, declaration
page, or certificate.new text begin If a Medicare supplement policy or certificate contains limitations with
respect to preexisting conditions, the limitations shall appear as a separate paragraph of the
policy or certificate and be labeled as "preexisting condition limitations."
new text end

Issuers of accident and sickness policies or certificates that provide hospital or medical
expense coverage on an expense incurred or indemnity basis to persons eligible for Medicare
shall provide to those applicants a "Guide to Health Insurance for People with Medicare"
in the form developed by the Centers for Medicare and Medicaid Services and in a type
size no smaller than 12-point type. Delivery of the guide must be made whether or not such
policies or certificates are advertised, solicited, or issued as Medicare supplement policies
or certificates as defined in this section and section 62A.3099. Except in the case of direct
response issuers, delivery of the guide must be made to the applicant at the time of
application, and acknowledgment of receipt of the guide must be obtained by the issuer.
Direct response issuers shall deliver the guide to the applicant upon request, but no later
than the time at which the policy is delivered.

Sec. 5.

Minnesota Statutes 2024, section 62A.31, subdivision 1u, is amended to read:


Subd. 1u.

Guaranteed issue for eligible persons.

(a)(1) Eligible persons are those
individuals described in paragraph (b) who seek to enroll under the policy during the period
specified in paragraph (c) and who submit evidence of the date of termination or
disenrollment described in paragraph (b), or of the date of Medicare Part D enrollment, with
the application for a Medicare supplement policy.

(2) With respect to eligible persons, an issuer shall not: deny or condition the issuance
or effectiveness of a Medicare supplement policy described in paragraph (c) that is offered
and is available for issuance to new enrollees by the issuer; discriminate in the pricing of
such a Medicare supplement policy because of health status, claims experience, receipt of
health care, medical condition, or age; or impose an exclusion of benefits based upon a
preexisting condition under such a Medicare supplement policy.

(b) An eligible person is an individual described in any of the following:

(1) the individual is enrolled under an employee welfare benefit plan that provides health
benefits that supplement the benefits under Medicare; and the plan terminates, or the plan
ceases to provide all such supplemental health benefits to the individual;

(2) the individual is enrolled with a Medicare Advantage organization under a Medicare
Advantage plan under Medicare Part C, and any of the following circumstances apply, or
the individual is 65 years of age or older and is enrolled with a Program of All-Inclusive
Care for the Elderly (PACE) provider under section 1894 of the federal Social Security Act,
and there are circumstances similar to those described in this clause that would permit
discontinuance of the individual's enrollment with the provider if the individual were enrolled
in a Medicare Advantage plan:

(i) the organization's or plan's certification under Medicare Part C has been terminated
or the organization has terminated or otherwise discontinued providing the plan in the area
in which the individual resides;

(ii) the individual is no longer eligible to elect the plan because of a change in the
individual's place of residence or other change in circumstances specified by the secretary,
but not including termination of the individual's enrollment on the basis described in section
1851(g)(3)(B) of the federal Social Security Act, United States Code, title 42, section
1395w-21(g)(3)(b) (where the individual has not paid premiums on a timely basis or has
engaged in disruptive behavior as specified in standards under section 1856 of the federal
Social Security Act, United States Code, title 42, section 1395w-26), or the plan is terminated
for all individuals within a residence area;

(iii) the individual demonstrates, in accordance with guidelines established by the
Secretary, that:

(A) the organization offering the plan substantially violated a material provision of the
organization's contract in relation to the individual, including the failure to provide an
enrollee on a timely basis medically necessary care for which benefits are available under
the plan or the failure to provide such covered care in accordance with applicable quality
standards; or

(B) the organization, or agent or other entity acting on the organization's behalf, materially
misrepresented the plan's provisions in marketing the plan to the individual; or

(iv) the individual meets such other exceptional conditions as the secretary may provide;

(3)(i) the individual is enrolled with:

(A) an eligible organization under a contract under section 1876 of the federal Social
Security Act, United States Code, title 42, section 1395mm (Medicare cost);

(B) a similar organization operating under demonstration project authority, effective for
periods before April 1, 1999;

(C) an organization under an agreement under section 1833(a)(1)(A) of the federal Social
Security Act, United States Code, title 42, section 1395l(a)(1)(A) (health care prepayment
plan); or

(D) an organization under a Medicare Select policy under section 62A.318 or the similar
law of another state; and

(ii) the enrollment ceases under the same circumstances that would permit discontinuance
of an individual's election of coverage under clause (2);

(4) the individual is enrolled under a Medicare supplement policy, and the enrollment
ceases because:

(i)(A) of the insolvency of the issuer or bankruptcy of the nonissuer organization; or

(B) of other involuntary termination of coverage or enrollment under the policy;

(ii) the issuer of the policy substantially violated a material provision of the policy; or

(iii) the issuer, or an agent or other entity acting on the issuer's behalf, materially
misrepresented the policy's provisions in marketing the policy to the individual;

(5)(i) the individual was enrolled under a Medicare supplement policy and terminates
that enrollment and subsequently enrolls, for the first time, with any Medicare Advantage
organization under a Medicare Advantage plan under Medicare Part C; any eligible
organization under a contract under section 1876 of the federal Social Security Act, United
States Code, title 42, section 1395mm (Medicare cost); any similar organization operating
under demonstration project authority; any PACE provider under section 1894 of the federal
Social Security Act, or a Medicare Select policy under section 62A.318 or the similar law
of another state; and

(ii) the subsequent enrollment under item (i) is terminated by the enrollee during any
period within the first 12 months of the subsequent enrollment during which the enrollee
is permitted to terminate the subsequent enrollment under section 1851(e) of the federal
Social Security Act;

(6) the individual, upon first enrolling for benefits under Medicare Part B, enrolls in a
Medicare Advantage plan under Medicare Part C, or with a PACE provider under section
1894 of the federal Social Security Act, and disenrolls from the plan by not later than 12
months after the effective date of enrollment;

(7) the individual enrolls in a Medicare Part D plan during the initial Part D enrollment
period, as defined under United States Code, title 42, section 1395ss(v)(6)(D), and, at the
time of enrollment in Part D, was enrolled under a Medicare supplement policy that covers
outpatient prescription drugs and the individual terminates enrollment in the Medicare
supplement policy and submits evidence of enrollment in Medicare Part D along with the
application for a policy described in paragraph (e), clause (4); or

(8) the individual was enrolled in a state public program and is losing coverage due to
the unwinding of the Medicaid continuous enrollment conditions, as provided by Code of
Federal Regulations, title 45, section 155.420 (d)(9) and (d)(1), and Public Law 117-328,
section 5131 (2022).

(c)(1) In the case of an individual described in paragraph (b), clause (1), the guaranteed
issue period begins on the later of: (i) the date the individual receives a notice of termination
or cessation of all supplemental health benefits or, if a notice is not received, notice that a
claim has been denied because of a termination or cessation; or (ii) the date that the applicable
coverage terminates or ceases; and ends 63 days after the later of those two dates.

(2) In the case of an individual described in paragraph (b), clause (2), (3), (5), or (6),
whose enrollment is terminated involuntarily, the guaranteed issue period begins on the
date that the individual receives a notice of termination and ends 63 days after the date the
applicable coverage is terminated.

(3) In the case of an individual described in paragraph (b), clause (4), item (i), the
guaranteed issue period begins on the earlier of: (i) the date that the individual receives a
notice of termination, a notice of the issuer's bankruptcy or insolvency, or other such similar
notice if any; and (ii) the date that the applicable coverage is terminated, and ends on the
date that is 63 days after the date the coverage is terminated.

(4) In the case of an individual described in paragraph (b), clause (2), (4), (5), or (6),
who disenrolls voluntarily, the guaranteed issue period begins on the date that is 60 days
before the effective date of the disenrollment and ends on the date that is 63 days after the
effective date.

(5) In the case of an individual described in paragraph (b), clause (7), the guaranteed
issue period begins on the date the individual receives notice pursuant to section
1882(v)(2)(B) of the Social Security Act from the Medicare supplement issuer during the
60-day period immediately preceding the initial Part D enrollment period and ends on the
date that is 63 days after the effective date of the individual's coverage under Medicare Part
D.

(6) In the case of an individual described in paragraph (b) but not described in this
paragraph, the guaranteed issue period begins on the effective date of disenrollment and
ends on the date that is 63 days after the effective date.

deleted text begin (7) For all individuals described in paragraph (b), the open enrollment period is a
guaranteed issue period.
 deleted text end

(d)(1) In the case of an individual described in paragraph (b), clause (5), or deemed to
be so described, pursuant to this paragraph, whose enrollment with an organization or
provider described in paragraph (b), clause (5), item (i), is involuntarily terminated within
the first 12 months of enrollment, and who, without an intervening enrollment, enrolls with
another such organization or provider, the subsequent enrollment is deemed to be an initial
enrollment described in paragraph (b), clause (5).

(2) In the case of an individual described in paragraph (b), clause (6), or deemed to be
so described, pursuant to this paragraph, whose enrollment with a plan or in a program
described in paragraph (b), clause (6), is involuntarily terminated within the first 12 months
of enrollment, and who, without an intervening enrollment, enrolls in another such plan or
program, the subsequent enrollment is deemed to be an initial enrollment described in
paragraph (b), clause (6).

(3) For purposes of paragraph (b), clauses (5) and (6), no enrollment of an individual
with an organization or provider described in paragraph (b), clause (5), item (i), or with a
plan or in a program described in paragraph (b), clause (6), may be deemed to be an initial
enrollment under this paragraph after the two-year period beginning on the date on which
the individual first enrolled with the organization, provider, plan, or program.

(e) The Medicare supplement policy to which eligible persons are entitled under:

(1) paragraph (b), clauses (1) to (4), is any Medicare supplement policy that has a benefit
package consisting of the basic Medicare supplement plan described in section 62A.316,
paragraph (a), plus any combination of the three optional riders described in section 62A.316,
paragraph (b), clauses (1) to (3), offered by any issuer;

(2) paragraph (b), clause (5), is the same Medicare supplement policy in which the
individual was most recently previously enrolled, if available from the same issuer, or, if
not so available, any policy described in clause (1) offered by any issuer, except that after
December 31, 2005, if the individual was most recently enrolled in a Medicare supplement
policy with an outpatient prescription drug benefit, a Medicare supplement policy to which
the individual is entitled under paragraph (b), clause (5), is:

(i) the policy available from the same issuer but modified to remove outpatient
prescription drug coverage; or

(ii) at the election of the policyholder, a policy described in clause (4), except that the
policy may be one that is offered and available for issuance to new enrollees that is offered
by any issuer;

(3) paragraph (b), clause (6), is any Medicare supplement policy offered by any issuer;

(4) paragraph (b), clause (7), is a Medicare supplement policy that has a benefit package
classified as a basic plan under section 62A.316 if the enrollee's existing Medicare
supplement policy is a basic plan or, if the enrollee's existing Medicare supplement policy
is an extended basic plan under section 62A.315, a basic or extended basic plan at the option
of the enrollee, provided that the policy is offered and is available for issuance to new
enrollees by the same issuer that issued the individual's Medicare supplement policy with
outpatient prescription drug coverage. The issuer must permit the enrollee to retain all
optional benefits contained in the enrollee's existing coverage, other than outpatient
prescription drugs, subject to the provision that the coverage be offered and available for
issuance to new enrollees by the same issuer.

(f)(1) At the time of an event described in paragraph (b), because of which an individual
loses coverage or benefits due to the termination of a contract or agreement, policy, or plan,
the organization that terminates the contract or agreement, the issuer terminating the policy,
or the administrator of the plan being terminated, respectively, shall notify the individual
of the individual's rights under this subdivision, and of the obligations of issuers of Medicare
supplement policies under paragraph (a). The notice must be communicated
contemporaneously with the notification of termination.

(2) At the time of an event described in paragraph (b), because of which an individual
ceases enrollment under a contract or agreement, policy, or plan, the organization that offers
the contract or agreement, regardless of the basis for the cessation of enrollment, the issuer
offering the policy, or the administrator of the plan, respectively, shall notify the individual
of the individual's rights under this subdivision, and of the obligations of issuers of Medicare
supplement policies under paragraph (a). The notice must be communicated within ten
working days of the issuer receiving notification of disenrollment.

(g) Reference in this subdivision to a situation in which, or to a basis upon which, an
individual's coverage has been terminated does not provide authority under the laws of this
state for the termination in that situation or upon that basis.

(h) An individual's rights under this subdivision are in addition to, and do not modify
or limit, the individual's rights under subdivision 1h.

Sec. 6.

Minnesota Statutes 2024, section 62A.31, subdivision 4, is amended to read:


Subd. 4.

Prohibited policy provisions.

(a) A Medicare supplement policy or certificate
in force in the state shall not contain benefits that duplicate benefits provided by Medicare
or contain exclusions on coverage that are more restrictive than those of Medicare.
Duplication of benefits is permitted to the extent permitted under subdivision 1s, paragraph
(a), for benefits provided by Medicare Part D.

(b) No Medicare supplement policy or certificate may use waivers to exclude, limit, or
reduce coverage or benefits for specifically named or described preexisting diseases or
physical conditionsnew text begin , except as permitted under subdivision 1bnew text end .

Sec. 7.

Minnesota Statutes 2024, section 62A.44, subdivision 2, is amended to read:


Subd. 2.

Questions.

(a) Application forms shall include the following questions designed
to elicit information as to whether, as of the date of the application, the applicant has another
Medicare supplement or other health insurance policy or certificate in force or whether a
Medicare supplement policy or certificate is intended to replace any other accident and
sickness policy or certificate presently in force. A supplementary application or other form
to be signed by the applicant and agent containing the questions and statements may be
used.

"(1) You do not need more than one Medicare supplement policy or certificate.

(2) If you purchase this policy, you may want to evaluate your existing health coverage
and decide if you need multiple coverages.

(3) You may be eligible for benefits under Medicaid and may not need a Medicare
supplement policy or certificate.

(4) The benefits and premiums under your Medicare supplement policy or certificate
can be suspended, if requested, during your entitlement to benefits under Medicaid for
24 months. You must request this suspension within 90 days of becoming eligible for
Medicaid. If you are no longer entitled to Medicaid, your policy or certificate will be
reinstated if requested within 90 days of losing Medicaid eligibility.

(5) Counseling services may be available in Minnesota to provide advice concerning
medical assistance through state Medicaid, Qualified Medicare Beneficiaries (QMBs),
and Specified Low-Income Medicare Beneficiaries (SLMBs).

To the best of your knowledge:

(1) Do you have another Medicare supplement policy or certificate in force?

(a) If so, with which company?

(b) If so, do you intend to replace your current Medicare supplement policy with this
policy or certificate?

(2) Do you have any other health insurance policies that provide benefits which this
Medicare supplement policy or certificate would duplicate?

(a) If so, please name the company.

(b) What kind of policy?

(3) Are you covered for medical assistance through the state Medicaid program? If so,
which of the following programs provides coverage for you?

(a) Specified Low-Income Medicare Beneficiary (SLMB),

(b) Qualified Medicare Beneficiary (QMB), or

(c) full Medicaid Beneficiary?"

(b) Agents shall list any other health insurance policies they have sold to the applicant.

(1) List policies sold that are still in force.

(2) List policies sold in the past five years that are no longer in force.

(c) In the case of a direct response issuer, a copy of the application or supplemental
form, signed by the applicant, and acknowledged by the insurer, shall be returned to the
applicant by the insurer on delivery of the policy or certificate.

(d) Upon determining that a sale will involve replacement of Medicare supplement
coverage, any issuer, other than a direct response issuer, or its agent, shall furnish the
applicant, before issuance or delivery of the Medicare supplement policy or certificate, a
notice regarding replacement of Medicare supplement coverage. One copy of the notice
signed by the applicant and the agent, except where the coverage is sold without an agent,
shall be provided to the applicant and an additional signed copy shall be retained by the
issuer. A direct response issuer shall deliver to the applicant at the time of the issuance of
the policy or certificate the notice regarding replacement of Medicare supplement coverage.

(e) The notice required by paragraph (d) for an issuer shall be provided in substantially
the following form in no less than 12-point type:

"NOTICE TO APPLICANT REGARDING REPLACEMENT

OF MEDICARE SUPPLEMENT INSURANCE

(Insurance company's name and address)

SAVE THIS NOTICE! IT MAY BE IMPORTANT TO YOU IN THE FUTURE.

According to (your application) (information you have furnished), you intend to terminate
existing Medicare supplement insurance and replace it with a policy or certificate to be
issued by (Company Name) Insurance Company. Your new policy or certificate will provide
30 days within which you may decide without cost whether you desire to keep the policy
or certificate.

You should review this new coverage carefully. Compare it with all accident and sickness
coverage you now have. If, after due consideration, you find that purchase of this Medicare
supplement coverage is a wise decision you should terminate your present Medicare
supplement policy. You should evaluate the need for other accident and sickness coverage
you have that may duplicate this policy.

STATEMENT TO APPLICANT BY ISSUER, AGENT, (BROKER OR OTHER
REPRESENTATIVE): I have reviewed your current medical or health insurance
coverage. To the best of my knowledge this Medicare supplement policy will not duplicate
your existing Medicare supplement policy because you intend to terminate the existing
Medicare supplement policy. The replacement policy or certificate is being purchased
for the following reason(s) (check one):

.
Additional benefits
.
No change in benefits, but lower premiums
.
Fewer benefits and lower premiums
.
Other (please specify)
.
.
.

new text begin (1) Health conditions which you may presently have (preexisting conditions) may not
be immediately or fully covered under the new policy or certificate. This could result
in denial or delay of a claim for benefits under the new policy or certificate, whereas a
similar claim might have been payable under your present policy or certificate.
 new text end

new text begin (2) State law provides that your replacement policy or certificate may not contain new
preexisting conditions, waiting periods, elimination periods, or probationary periods.
The insurer will waive any time periods applicable to preexisting conditions, waiting
periods, elimination periods, or probationary periods in the new policy (or coverage)
for similar benefits to the extent the time was spent (depleted) under the original policy
or certificate.
 new text end

new text begin (3) If you still wish to terminate your present policy or certificate and replace it with
new coverage, be certain to truthfully and completely answer all questions on the
application concerning your medical and health history. Failure to include all material
medical information on an application may provide a basis for the company to deny any
future claims and to refund your premium as though your policy or certificate had never
been in force. After the application has been completed and before you sign it, review
it carefully to be certain that all information has been properly recorded. (If the policy
or certificate is guaranteed issue, this paragraph need not appear.)
 new text end

Do not cancel your present policy or certificate until you have received your new policy
or certificate and you are sure that you want to keep it.

.
(Signature of Agent, Broker, or Other Representative)*
.
(Typed Name and Address of Issuer, Agent, or Broker)
.
(Date)
.
(Applicant's Signature)
.
(Date)

*Signature not required for direct response sales."

new text begin (f) Paragraph (e), clauses (1) and (2), of the replacement notice (applicable to preexisting
conditions) may be deleted by an issuer if the replacement does not involve application of
a new preexisting condition limitation.
 new text end

Sec. 8. new text begin REPEALER.
new text end

new text begin (a) new text end new text begin Minnesota Statutes 2024, sections 62A.3099, subdivision 18b; and 62A.31, subdivision
1w, new text end new text begin are repealed.
 new text end

new text begin (b) new text end new text begin Laws 2023, chapter 57, article 2, section 66, new text end new text begin is repealed.
 new text end

Sec. 9. new text begin EFFECTIVE DATE.
new text end

new text begin Sections 1 to 8 are effective the day following final enactment.
 new text end

ARTICLE 5

INSURANCE HOLDING COMPANY SYSTEMS

Section 1.

Minnesota Statutes 2024, section 60D.09, is amended by adding a subdivision
to read:


new text begin Subd. 5. new text end

new text begin Other violations. new text end

new text begin If the commissioner believes a person has committed a
violation of section 60D.17 that prevents the full understanding of the enterprise risk to the
insurer by affiliates or by the insurance holding company system, the violation may serve
as an independent basis for disapproving dividends or distributions and for placing the
insurer under an order of supervision under chapter 60B.
 new text end

Sec. 2.

Minnesota Statutes 2024, section 60D.15, subdivision 4, is amended to read:


Subd. 4.

Control.

The term "control," including the terms "controlling," "controlled
by," and "under common control with," means the possession, direct or indirect, of the
power to direct or cause the direction of the management and policies of a person, whether
through the ownership of voting securities, by contract other than a commercial contract
for goods or nonmanagement services, or otherwise, unless the power is the result of an
official position withdeleted text begin ,deleted text end new text begin ornew text end corporate office held bydeleted text begin , or court appointment of,deleted text end the person.
Control is presumed to exist if any person, directly or indirectly, owns, controls, holds with
the power to vote, or holds proxies representing, ten percent or more of the voting securities
of any other person. This presumption may be rebutted by a showing made in the manner
provided by section 60D.19, subdivision 11, that control does not exist in fact. The
commissioner may determine, after furnishing all persons in interest notice and opportunity
to be heard and making specific findings of fact to support deleted text begin suchdeleted text end new text begin thenew text end determination, that
control exists in fact, notwithstanding the absence of a presumption to that effect.

Sec. 3.

Minnesota Statutes 2024, section 60D.15, is amended by adding a subdivision to
read:


new text begin Subd. 4c. new text end

new text begin Group capital calculation instructions. new text end

new text begin "Group capital calculation
instructions" means the group capital calculation instructions adopted by the NAIC and as
amended by the NAIC from time to time in accordance with procedures adopted by the
NAIC.
 new text end

Sec. 4.

Minnesota Statutes 2024, section 60D.15, is amended by adding a subdivision to
read:


new text begin Subd. 6b. new text end

new text begin NAIC. new text end

new text begin "NAIC" means the National Association of Insurance Commissioners.
 new text end

Sec. 5.

Minnesota Statutes 2024, section 60D.15, is amended by adding a subdivision to
read:


new text begin Subd. 6c. new text end

new text begin NAIC liquidity stress test framework. new text end

new text begin "NAIC liquidity stress test framework"
means an NAIC publication which includes a history of the NAIC's development of
regulatory liquidity stress testing, the scope criteria applicable for a specific data year, and
the liquidity stress test instructions and reporting templates for a specific data year, scope
criteria, instructions, and reporting template being adopted by the NAIC, and as amended
by the NAIC from time to time in accordance with the procedures adopted by the NAIC.
 new text end

Sec. 6.

Minnesota Statutes 2024, section 60D.15, subdivision 7, is amended to read:


Subd. 7.

Person.

A "person" is an individual, a corporation,new text begin a limited liability company,new text end
a partnership, an association, a joint stock company, a trust, an unincorporated organization,
any similar entity or any combination of the foregoing acting in concert, but does not include
any joint venture partnership exclusively engaged in owning, managing, leasing, or
developing real or tangible personal property.

Sec. 7.

Minnesota Statutes 2024, section 60D.15, is amended by adding a subdivision to
read:


new text begin Subd. 7a. new text end

new text begin Scope criteria. new text end

new text begin "Scope criteria," as detailed in the NAIC liquidity stress test
framework, means the designated exposure bases along with minimum magnitudes of the
designated exposure bases for the specified data year that are used to establish a preliminary
list of insurers considered scoped into the NAIC liquidity stress test framework for that data
year.
 new text end

Sec. 8.

Minnesota Statutes 2024, section 60D.16, subdivision 2, is amended to read:


Subd. 2.

Additional investment authority.

In addition to investments in common stock,
preferred stock, debt obligations, and other securities otherwise permittednew text begin under this chapternew text end ,
a domestic insurer may also:

(a) Invest, in common stock, preferred stock, debt obligations, and other securities of
one or more subsidiaries, amounts that do not exceed the lesser of ten percent of the insurer's
assets or 50 percent of the insurer's surplus as regards policyholders, provided that after the
investments, the insurer's surplus as regards policyholders deleted text begin will bedeleted text end new text begin isnew text end reasonable in relation
to the insurer's outstanding liabilities and adequate to its financial needs. In calculating the
amount of these investments, investments in domestic or foreign insurance subsidiariesnew text begin and
health maintenance organizationsnew text end must be excluded, and there must be included:

(1) total net money or other consideration expended and obligations assumed in the
acquisition or formation of a subsidiary, including all organizational expenses and
contributions to capital and surplus of the subsidiary whether or not represented by the
purchase of capital stock or issuance of other securities; and

(2) all amounts expended in acquiring additional common stock, preferred stock, debt
obligations, and other securitiesnew text begin ;new text end and all contributions to the capital or surplusdeleted text begin ,deleted text end of a subsidiary
subsequent to its acquisition or formation.

(b) Invest any amount in common stock, preferred stock, debt obligations, and other
securities of one or more subsidiaries engaged or organized to engage exclusively in the
ownership and management of assets authorized as investments for the insurer provided
that the subsidiary agrees to limit its investments in any asset so that the investments deleted text begin willdeleted text end new text begin
donew text end not cause the amount of the total investment of the insurer to exceed any of the investment
limitations specified in paragraph (a) or other statutes applicable to the insurer. For the
purpose of this paragraph, "the total investment of the insurer" includes:

(1) any direct investment by the insurer in an asset; and

(2) the insurer's proportionate share of any investment in an asset by any subsidiary of
the insurer, which must be calculated by multiplying the amount of the subsidiary's
investment by the percentage of the ownership of the subsidiary.

(c) With the approval of the commissioner, invest any greater amount in common stock,
preferred stock, debt obligations, or other securities of one or more subsidiaries, if after the
investment the insurer's surplus as regards policyholders deleted text begin will bedeleted text end new text begin isnew text end reasonable in relation to
the insurer's outstanding liabilities and adequate to its financial needs.

Sec. 9.

Minnesota Statutes 2024, section 60D.17, subdivision 1, is amended to read:


Subdivision 1.

Filing requirements.

(a) No person other than the issuer shall: (1) make
a tender offer for or a request or invitation for tenders of, or enter into any agreement to
exchange securities deleted text begin ordeleted text end new text begin fornew text end , seek to acquire, or acquire, in the open market or otherwise, any
voting security of a domestic insurer if, after the consummation thereof, the person would,
directly or indirectly, or by conversion or by exercise of any right to acquire, be in control
of the insurer; or (2) enter into an agreement to merge with or otherwise to acquire control
of a domestic insurer or any person controlling a domestic insurer unless, at the time the
offer, request, or invitation is made or the agreement is entered into, or before the acquisition
of the securities if no offer or agreement is involved, the person has filed with the
commissioner and has sent to the insurer, a statement containing the information required
by this section and the offer, request, invitation, agreement, or acquisition has been approved
by the commissioner in the manner prescribed in this section.

(b) For purposes of this section, a controlling person of a domestic insurer seeking to
divest its controlling interest in the domestic insurer, in any manner, shall file with the
commissioner, with a copy to the insurer, confidential notice of its proposed divestiture at
least 30 days before the cessation of control. The commissioner shall determine those
instances in which the party or parties seeking to divest or to acquire a controlling interest
in an insurer will be required to file for and obtain approval of the transaction.

(c) With respect to a transaction subject to this section, the acquiring person must also
file a preacquisition notification with the commissioner, which must contain the information
set forth in section 60D.18, subdivision 3, paragraph (b). A failure to file the notification
may be subject to penalties specified in section 60D.18, subdivision 5.

(d) For purposes of this section, a domestic insurer includes a person controlling a
domestic insurer unless the personnew text begin ,new text end as determined by the commissionernew text begin ,new text end is either directly
or through its affiliates primarily engaged in business other than the business of insurance.
For the purposes of this section, "person" does not include any securities broker holding,
in the usual and customary deleted text begin brokersdeleted text end new text begin broker'snew text end function, less than 20 percent of the voting
securities of an insurance company or of any person that controls an insurance company.

(e) The statement filed with the commissioner pursuant to subdivisions 1 and 2 must
remain confidential until the transaction is approved by the commissioner, except that all
attachments filed with the statement remain confidential after the approval unless the
commissioner, in the commissioner's discretion, determines that confidential treatment of
any of this information will interfere with enforcement of this section.

Sec. 10.

Minnesota Statutes 2024, section 60D.18, subdivision 3, is amended to read:


Subd. 3.

Preacquisition notification; waiting period.

(a) An acquisition covered by
subdivision 2 may be subject to an order pursuant to subdivision deleted text begin 4deleted text end new text begin 5new text end unless the acquiring
person files a preacquisition notification and the waiting period has expired. The acquired
person may file a preacquisition notification. The commissioner shall give confidential
treatment to information submitted under this section in the same manner as provided in
section 60D.22.

(b) The preacquisition notification must be in the form and contain the information as
prescribed by the National Association of Insurance Commissioners relating to those markets
that, under subdivision 2, paragraph (b), clause deleted text begin (5)deleted text end new text begin (4)new text end , cause the acquisition not to be
exempted from the provisions of this section. The commissioner may require deleted text begin thedeleted text end additional
material and information as the commissioner deems necessary to determine whether the
proposed acquisition, if consummated, would violate the competitive standard of subdivision
4. The required information may include an opinion of an economist as to the competitive
impact of the acquisition in this state accompanied by a summary of the education and
experience of the person indicating that person's ability to render an informed opinion.

(c) The waiting period required begins on the date of receipt of the commissioner of a
preacquisition notification and ends on the earlier of the 30th day after the date of its receipt,
or termination of the waiting period by the commissioner. Before the end of the waiting
period, the commissioner on a onetime basis may require the submission of additional
needed information relevant to the proposed acquisition, in which event the waiting period
shall end on the earlier of the 30th day after receipt of the additional information by the
commissioner or termination of the waiting period by the commissioner.

Sec. 11.

Minnesota Statutes 2024, section 60D.19, subdivision 4, is amended to read:


Subd. 4.

Materiality.

No information need be disclosed on the registration statement
filed pursuant to subdivision 2 if the information is not material for the purposes of this
section. Unless the commissioner by rule or order provides otherwise; sales, purchases,
exchanges, loans or extensions of credit, investments, or guarantees involving one-half of
one percent or less of an insurer's admitted assets as of the 31st day of December next
preceding shall not be deemed material for purposes of this section.new text begin The definition of
materiality provided in this subdivision does not apply for purposes of the group capital
calculation or the NAIC liquidity stress test framework.
new text end

Sec. 12.

Minnesota Statutes 2024, section 60D.19, is amended by adding a subdivision to
read:


new text begin Subd. 11b. new text end

new text begin Group capital calculation. new text end

new text begin (a) Except as otherwise provided in this paragraph,
the ultimate controlling person of every insurer subject to registration must concurrently
file with the registration an annual group capital calculation as directed by the commissioner.
The report must be completed in accordance with the NAIC group capital calculation
instructions, which may permit the commissioner to allow a controlling person that is not
the ultimate controlling person to file the group capital calculation. The report must be filed
with the commissioner, as determined by the commissioner in accordance with the procedures
within the Financial Analysis Handbook adopted by the NAIC. The following insurance
holding company systems are exempt from filing the group capital calculation:
 new text end

new text begin (1) an insurance holding company system that (i) has only one insurer within the insurance
holding company system's holding company structure, (ii) only writes business and is only
licensed in the insurance holding company system's domestic state, and (iii) assumes no
business from any other insurer;
 new text end

new text begin (2) an insurance holding company system that is required to perform a group capital
calculation specified by the United States Federal Reserve Board. The commissioner must
request the calculation from the Federal Reserve Board under the terms of information
sharing agreements in effect. If the Federal Reserve Board is unable to share the calculation
with the commissioner, the insurance holding company system is not exempt from the group
capital calculation filing;
 new text end

new text begin (3) an insurance holding company system whose non-United States groupwide supervisor
is located within a reciprocal jurisdiction as described in section 60A.092, subdivision 10b,
that recognizes the United States state regulatory approach to group supervision and group
capital; or
 new text end

new text begin (4) an insurance holding company system:
 new text end

new text begin (i) that provides information to the commissioner that meets the requirements for
accreditation under the NAIC financial standards and accreditation program, either directly
or indirectly through the groupwide supervisor, that has determined the information is
satisfactory to allow the commissioner to comply with the NAIC group supervision approach,
as detailed in the NAIC Financial Analysis Handbook; and
 new text end

new text begin (ii) whose non-United States groupwide supervisor that is not in a reciprocal jurisdiction
recognizes and accepts, as specified by the commissioner by rule, the group capital
calculation as the worldwide group capital assessment for United States insurance groups
that operate in that jurisdiction.
 new text end

new text begin (b) Notwithstanding paragraph (a), clauses (3) and (4), a commissioner must require the
group capital calculation for the United States operations of any non-United States based
insurance holding company system where, after any necessary consultation with other
supervisors or officials, requiring the group capital calculation is deemed appropriate by
the commissioner for prudential oversight and solvency monitoring purposes or for ensuring
the competitiveness of the insurance marketplace.
 new text end

new text begin (c) Notwithstanding the exemptions from filing the group capital calculation under
paragraph (a), the commissioner may exempt the ultimate controlling person from filing
the annual group capital calculation or accept a limited group capital filing or report in
accordance with criteria specified by the commissioner by rule.
 new text end

new text begin (d) If the commissioner determines that an insurance holding company system no longer
meets one or more of the requirements for an exemption from filing the group capital
calculation under this subdivision, the insurance holding company system must file the
group capital calculation at the next annual filing date unless given an extension by the
commissioner based on reasonable grounds shown.
 new text end

Sec. 13.

Minnesota Statutes 2024, section 60D.19, is amended by adding a subdivision to
read:


new text begin Subd. 11c. new text end

new text begin Liquidity stress test. new text end

new text begin (a) The ultimate controlling person of every insurer
subject to registration and also scoped into the NAIC liquidity stress test framework must
file the results of a specific year's liquidity stress test. The filing must be made to the
commissioner, as determined by the procedures within the Financial Analysis Handbook
adopted by the NAIC.
 new text end

new text begin (b) The NAIC liquidity stress test framework includes scope criteria applicable to a
specific data year. The scope criteria must be reviewed at least annually by the NAIC
Financial Stability Task Force or the NAIC Financial Stability Task Force's successor. Any
change made to the NAIC liquidity stress test framework or to the data year for which the
scope criteria must be measured is effective January 1 of the year following the calendar
year in which the change is adopted. An insurer meeting at least one threshold of the scope
criteria is scoped into the NAIC liquidity stress test framework for the specified data year
unless the commissioner, in consultation with the NAIC Financial Stability Task Force or
the NAIC Financial Stability Task Force's successor, determines the insurer should not be
scoped into the framework for that data year. An insurer that does not trigger at least one
threshold of the scope criteria is scoped out of the NAIC liquidity stress test framework for
the specified data year unless the commissioner, in consultation with the NAIC Financial
Stability Task Force or the NAIC Financial Stability Task Force's successor, determines
the insurer should be scoped into the framework for the specified data year.
 new text end

new text begin (c) The commissioner and other state insurance commissioners must avoid scoping
insurers in and out of the NAIC liquidity stress test framework on a frequent basis. The
commissioner, in consultation with the NAIC Financial Stability Task Force or the NAIC
Financial Stability Task Force's successor, must assess irregular scope status as part of an
insurer's determination.
 new text end

new text begin (d) The performance of and filing of the results from a specific year's liquidity stress
test must comply with (1) the NAIC liquidity stress test framework's instructions and
reporting templates for the specific year, and (2) any commissioner determinations, in
consultation with the NAIC Financial Stability Task Force or the NAIC Financial Stability
Task Force's successor, provided within the framework.
 new text end

Sec. 14.

new text begin [60D.195] GROUP CAPITAL CALCULATION.
 new text end

new text begin Subdivision 1. new text end

new text begin Annual group capital calculation; exemption permitted. new text end

new text begin The
commissioner may exempt the ultimate controlling person from filing the annual group
capital calculation if the commissioner makes a determination that the insurance holding
company system meets the following criteria:
 new text end

new text begin (1) has annual direct written and unaffiliated assumed premium, including international
direct and assumed premium but excluding premiums reinsured with the Federal Crop
Insurance Corporation and Federal Flood Program, of less than $1,000,000,000;
 new text end

new text begin (2) has no insurers within the insurance holding company's structure that are domiciled
outside of the United States or a United States territory;
 new text end

new text begin (3) has no banking, depository, or other financial entity that is subject to an identified
regulatory capital framework within the insurance holding company's structure;
 new text end

new text begin (4) attests that no material changes in the transactions between insurers and noninsurers
in the group have occurred since the last annual group capital filing; and
 new text end

new text begin (5) the noninsurers within the holding company system do not pose a material financial
risk to the insurer's ability to honor policyholder obligations.
 new text end

new text begin Subd. 2. new text end

new text begin Limited group capital filing. new text end

new text begin The commissioner may accept a limited group
capital filing in lieu of the group capital calculation if:
 new text end

new text begin (1) the insurance holding company system has annual direct written and unaffiliated
assumed premium, including international direct and assumed premium but excluding
premiums reinsured with the Federal Crop Insurance Corporation and Federal Flood Program,
of less than $1,000,000,000; and
 new text end

new text begin (2) the insurance holding company system:
 new text end

new text begin (i) has no insurers within the insurance holding company's structure that are domiciled
outside of the United States or a United States territory;
 new text end

new text begin (ii) does not include a banking, depository, or other financial entity that is subject to an
identified regulatory capital framework; and
 new text end

new text begin (iii) attests that no material changes in transactions between insurers and noninsurers in
the group have occurred and the noninsurers within the holding company system do not
pose a material financial risk to the insurer's ability to honor policyholder obligations.
 new text end

new text begin Subd. 3. new text end

new text begin Previous exemption; required filing. new text end

new text begin For an insurance holding company that
has previously met an exemption with respect to the group capital calculation under
subdivision 1 or 2, the commissioner may at any time require the ultimate controlling person
to file an annual group capital calculation, completed in accordance with the NAIC group
capital calculation instructions, if:
 new text end

new text begin (1) an insurer within the insurance holding company system is in a risk-based capital
action level event under section 60A.62 or a similar standard for a non-United States insurer;
 new text end

new text begin (2) an insurer within the insurance holding company system meets one or more of the
standards of an insurer deemed to be in hazardous financial condition, as defined under
section 60E.02, subdivision 5; or
 new text end

new text begin (3) an insurer within the insurance holding company system otherwise exhibits qualities
of a troubled insurer, as determined by the commissioner based on unique circumstances,
including but not limited to the type and volume of business written, ownership and
organizational structure, federal agency requests, and international supervisor requests.
 new text end

new text begin Subd. 4. new text end

new text begin Non-United States jurisdictions; recognition and acceptance. new text end

new text begin A non-United
States jurisdiction is deemed to recognize and accept the group capital calculation if the
non-United States jurisdiction:
 new text end

new text begin (1) with respect to section 60D.19, subdivision 11b, paragraph (a), clause (4):
 new text end

new text begin (i) recognizes the United States state regulatory approach to group supervision and group
capital by providing confirmation by a competent regulatory authority in the non-United
States jurisdiction that insurers and insurance groups whose lead state is accredited by the
NAIC under the NAIC accreditation program: (A) are subject only to worldwide prudential
insurance group supervision, including worldwide group governance, solvency and capital,
and reporting, as applicable, by the lead state; and (B) are not subject to group supervision,
including worldwide group governance, solvency and capital, and reporting, at the level of
the worldwide parent undertaking of the insurance or reinsurance group by the non-United
States jurisdiction; or
 new text end

new text begin (ii) if no United States insurance group operates in the non-United States jurisdiction,
indicates formally in writing to the lead state with a copy to the International Association
of Insurance Supervisors that the group capital calculation is an acceptable international
capital standard. The formal indication under this item serves as the documentation otherwise
required under item (i); and
 new text end

new text begin (2) provides confirmation by a competent regulatory authority in the non-United States
jurisdiction that information regarding an insurer and the insurer's parent, subsidiary, or
affiliated entities, if applicable, must be provided to the commissioner in accordance with
a memorandum of understanding or similar document between the commissioner and the
non-United States jurisdiction, including but not limited to the International Association of
Insurance Supervisors Multilateral Memorandum of Understanding or other multilateral
memoranda of understanding coordinated by the NAIC. The commissioner must determine,
in consultation with the NAIC committee process, if the information sharing agreement
requirements are effective.
 new text end

new text begin Subd. 5. new text end

new text begin Non-United States jurisdiction; publication. new text end

new text begin (a) A list of non-United States
jurisdictions that recognize and accept the group capital calculation under section 60D.19,
subdivision 11b, paragraph (a), clause (4), must be published through the NAIC committee
process to assist the commissioner determine what insurers must file an annual group capital
calculation. The list must clarify the situations in which a jurisdiction is exempt from filing
under section 60D.19, subdivision 11b, paragraph (a), clause (4). To assist with a
determination under section 60D.19, subdivision 11b, paragraph (b), the list must also
identify whether a jurisdiction that is exempt under section 60D.19, subdivision 11b,
paragraph (a), clause (3) or (4), requires a group capital filing for any United States insurance
group's operations in the non-United States jurisdiction.
 new text end

new text begin (b) For a non-United States jurisdiction where no United States insurance group operates,
the confirmation provided to comply with subdivision 4, clause (1), item (ii), serves as
support for a recommendation to be published that the non-United States jurisdiction is a
jurisdiction that recognizes and accepts the group capital calculation pursuant to the NAIC
committee process.
 new text end

new text begin (c) If the commissioner makes a determination pursuant to section 60D.19, subdivision
11b, that differs from the NAIC list, the commissioner must provide thoroughly documented
justification to the NAIC and other states.
 new text end

new text begin (d) Upon a determination by the commissioner that a non-United States jurisdiction no
longer meets one or more of the requirements to recognize and accept the group capital
calculation, the commissioner may provide a recommendation to the NAIC that the
non-United States jurisdiction be removed from the list of jurisdictions that recognize and
accept the group capital calculation.
 new text end

Sec. 15.

Minnesota Statutes 2024, section 60D.20, subdivision 1, is amended to read:


Subdivision 1.

Transactions within an insurance holding company system.

(a)
Transactions within an insurance holding company system to which an insurer subject to
registration is a party are subject to the following standards:

(1) the terms shall be fair and reasonable;

(2) agreements for cost-sharing services and management shall include the provisions
required by rule issued by the commissioner;

(3) charges or fees for services performed shall be reasonable;

(4) expenses incurred and payment received shall be allocated to the insurer in conformity
with customary insurance accounting practices consistently applied;

(5) the books, accounts, and records of each party to all such transactions shall be so
maintained as to clearly and accurately disclose the nature and details of the transactions
including this accounting information as is necessary to support the reasonableness of the
charges or fees to the respective parties; deleted text begin and
deleted text end

(6) the insurer's surplus as regards policyholders following any dividends or distributions
to shareholder affiliates shall be reasonable in relation to the insurer's outstanding liabilities
and adequate to its financial needsdeleted text begin .deleted text end new text begin ;
new text end

new text begin (7) if the commissioner determines an insurer subject to this chapter is in a hazardous
financial condition, as defined under section 60E.02, subdivision 5, or a condition that would
be grounds for supervision, conservation, or a delinquency proceeding, the commissioner
may require the insurer to secure and maintain either a deposit, held by the commissioner,
or a bond, as determined by the insurer at the insurer's discretion, to protect the insurer for
the duration of the contract, agreement, or the existence of the condition for which the
commissioner required the deposit or bond. When determining whether a deposit or bond
is required, the commissioner must consider whether concerns exist with respect to the
affiliated person's ability to fulfill the contract or agreement if the insurer entered into
liquidation. Once the insurer is deemed to be in a hazardous financial condition or a condition
that would be grounds for supervision, conservation, or a delinquency proceeding, and a
deposit or bond is necessary, the commissioner may determine the amount of the deposit
or bond, not to exceed the value of the contract or agreement in any one year, and whether
the deposit or bond is required for a single contract, multiple contracts, or a contract only
with a specific person or persons;
 new text end

new text begin (8) all of an insurer's records and data held by an affiliate are and remain the property
of the insurer, are subject to control of the insurer, are identifiable, and are segregated or
readily capable of segregation, at no additional cost to the insurer, from all other persons'
records and data. For purposes of this clause, records and data include all records and data
that are otherwise the property of the insurer in whatever form maintained, including but
not limited to claims and claim files, policyholder lists, application files, litigation files,
premium records, rate books, underwriting manuals, personnel records, financial records,
or similar records within the affiliate's possession, custody, or control. At the request of the
insurer, the affiliate must provide that the receiver may (i) obtain a complete set of all records
of any type that pertain to the insurer's business, (ii) obtain access to the operating systems
on which the data are maintained, (iii) obtain the software that runs the operating systems
either through assumption of licensing agreements or otherwise, and (iv) restrict the use of
the data by the affiliate if the affiliate is not operating the insurer's business. The affiliate
must provide a waiver of any landlord lien or other encumbrance to provide the insurer
access to all records and data in the event the affiliate defaults under a lease or other
agreement; and
 new text end

new text begin (9) premiums or other funds belonging to the insurer that are collected or held by an
affiliate are the exclusive property of the insurer and are subject to the control of the insurer.
Any right of offset in the event an insurer is placed into receivership is subject to chapter
576.
 new text end

(b) The following transactions involving a domestic insurer and any person in its
insurance holding company system, including amendments or modifications of affiliate
agreements previously filed pursuant to this section, which are subject to any materiality
standards contained in clauses (1) to (7), may not be entered into unless the insurer has
notified the commissioner in writing of its intention to enter into the transaction at least 30
days prior thereto, or a shorter period the commissioner permits, and the commissioner has
not disapproved it within this period. The notice for amendments or modifications must
include the reasons for the change and the financial impact on the domestic insurer. Informal
notice must be reported, within 30 days after a termination of a previously filed agreement,
to the commissioner for determination of the type of filing required, if any:

(1) sales, purchases, exchanges, loans or extensions of credit, guarantees, or investments
provided the transactions are equal to or exceed: (i) with respect to nonlife insurers, the
lesser of three percent of the insurer's admitted assets, or 25 percent of surplus as regards
policyholders; (ii) with respect to life insurers, three percent of the insurer's admitted assets;
each as of the 31st day of December next preceding;

(2) loans or extensions of credit to any person who is not an affiliate, where the insurer
makes the loans or extensions of credit with the agreement or understanding that the proceeds
of the transactions, in whole or in substantial part, are to be used to make loans or extensions
of credit to, to purchase assets of, or to make investments in, any affiliate of the insurer
making such loans or extensions of credit provided the transactions are equal to or exceed:
(i) with respect to nonlife insurers, the lesser of three percent of the insurer's admitted assets
or 25 percent of surplus as regards policyholders; (ii) with respect to life insurers, three
percent of the insurer's admitted assets; each as of the 31st day of December next preceding;

(3) reinsurance agreements or modifications to those agreements, including: (i) all
reinsurance pooling agreements; and (ii) agreements in which the reinsurance premium or
a change in the insurer's liabilities, or the projected reinsurance premium or a change in the
insurer's liabilities in any of the next three years, equals or exceeds five percent of the
insurer's surplus as regards policyholders, as of the 31st day of December next preceding,
including those agreements which may require as consideration the transfer of assets from
an insurer to a nonaffiliate, if an agreement or understanding exists between the insurer and
nonaffiliate that any portion of deleted text begin suchdeleted text end new text begin thenew text end assets will be transferred to one or more affiliates
of the insurer;

(4) all management agreements, service contracts, tax allocation agreements, guarantees,
and all cost-sharing arrangements;

(5) guarantees when made by a domestic insurer; provided, however, that a guarantee
which is quantifiable as to amount is not subject to the notice requirements of this paragraph
unless it exceeds the lesser of one-half of one percent of the insurer's admitted assets or ten
percent of surplus as regards policyholders as of the 31st day of December next preceding.
Further, all guarantees which are not quantifiable as to amount are subject to the notice
requirements of this paragraph;

(6) direct or indirect acquisitions or investments in a person that controls the insurer or
in an affiliate of the insurer in an amount which, together with its present holdings in the
investments, exceeds 2-1/2 percent of the insurer's surplus to policyholders. Direct or indirect
acquisitions or investments in subsidiaries acquired pursuant to section 60D.16, new text begin as otherwise
authorized under this chapter, new text end or in nonsubsidiary insurance affiliates that are subject to the
provisions of sections 60D.15 to 60D.29, are exempt from this requirement; and

(7) any material transactions, specified by regulation, which the commissioner determines
may adversely affect the interests of the insurer's policyholders.

Nothing contained in this section authorizes or permits any transactions that, in the case
of an insurer not a member of the same insurance holding company system, would be
otherwise contrary to law.

(c) A domestic insurer may not enter into transactions which are part of a plan or series
of like transactions with persons within the insurance holding company system if the purpose
of those separate transactions is to avoid the statutory threshold amount and thus avoid the
review that would occur otherwise. If the commissioner determines that the separate
transactions were entered into over any 12-month period for the purpose, the commissioner
may exercise the authority under section 60D.25.

(d) The commissioner, in reviewing transactions pursuant to paragraph (b), shall consider
whether the transactions comply with the standards set forth in paragraph (a), and whether
they may adversely affect the interests of policyholders.

(e) The commissioner shall be notified within 30 days of any investment of the domestic
insurer in any one corporation if the total investment in the corporation by the insurance
holding company system exceeds ten percent of the corporation's voting securities.

new text begin (f) An affiliate that is party to an agreement or contract with a domestic insurer that is
subject to paragraph (b), clause (4), is subject to the jurisdiction of any supervision, seizure,
conservatorship, or receivership proceedings against the insurer and to the authority of a
supervisor, conservator, rehabilitator, or liquidator for the insurer appointed pursuant to
chapters 60B and 576 for the purpose of interpreting, enforcing, and overseeing the affiliate's
obligations under the agreement or contract to perform services for the insurer that are: (1)
an integral part of the insurer's operations, including but not limited to management,
administrative, accounting, data processing, marketing, underwriting, claims handling,
investment, or any other similar functions; or (2) essential to the insurer's ability to fulfill
the insurer's obligations under insurance policies. The commissioner may require that an
agreement or contract pursuant to paragraph (b), clause (4), to provide the services described
in clauses (1) and (2) must specify that the affiliate consents to the jurisdiction as provided
under this paragraph.
 new text end

Sec. 16.

Minnesota Statutes 2024, section 60D.217, is amended to read:


60D.217 GROUPWIDE SUPERVISION OF INTERNATIONALLY ACTIVE
INSURANCE GROUPS.

(a) The commissioner is authorized to act as the groupwide supervisor for any
internationally active insurance group in accordance with the provisions of this section.
However, the commissioner may otherwise acknowledge another regulatory official as the
groupwide supervisor where the internationally active insurance group:

(1) does not have substantial insurance operations in the United States;

(2) has substantial insurance operations in the United States, but not in this state; or

(3) has substantial insurance operations in the United States and this state, but the
commissioner has determined pursuant to the factors set forth in deleted text begin subsectionsdeleted text end new text begin paragraphsnew text end (b)
and (f) that the other regulatory official is the appropriate groupwide supervisor.

An insurance holding company system that does not otherwise qualify as an internationally
active insurance group may request that the commissioner make a determination or
acknowledgment as to a groupwide supervisor pursuant to this section.

(b) In cooperation with other state, federal, and international regulatory agencies, the
commissioner deleted text begin willdeleted text end new text begin mustnew text end identify a single groupwide supervisor for an internationally active
insurance group. The commissioner may determine that the commissioner is the appropriate
groupwide supervisor for an internationally active insurance group that conducts substantial
insurance operations concentrated in this state. However, the commissioner may acknowledge
that a regulatory official from another jurisdiction is the appropriate groupwide supervisor
for the internationally active insurance group. The commissioner shall consider the following
factors when making a determination or acknowledgment under this deleted text begin subsectiondeleted text end new text begin paragraphnew text end :

(1) the place of domicile of the insurers within the internationally active insurance group
that hold the largest share of the group's written premiums, assets, or liabilities;

(2) the place of domicile of the top-tiered deleted text begin insurer(s)deleted text end new text begin insurer or insurersnew text end in the insurance
holding company system of the internationally active insurance group;

(3) the location of the executive offices or largest operational offices of the internationally
active insurance group;

(4) whether another regulatory official is acting or is seeking to act as the groupwide
supervisor under a regulatory system that the commissioner determines to be:

(i) substantially similar to the system of regulation provided under the laws of this state;
or

(ii) otherwise sufficient in terms of providing for groupwide supervision, enterprise risk
analysis, and cooperation with other regulatory officials; and

(5) whether another regulatory official acting or seeking to act as the groupwide
supervisor provides the commissioner with reasonably reciprocal recognition and cooperation.

However, a commissioner identified under this section as the groupwide supervisor may
determine that it is appropriate to acknowledge another supervisor to serve as the groupwide
supervisor. The acknowledgment of the groupwide supervisor shall be made after
consideration of the factors listed in clauses (1) to (5), and shall be made in cooperation
with and subject to the acknowledgment of other regulatory officials involved with
supervision of members of the internationally active insurance group, and in consultation
with the internationally active insurance group.

(c) Notwithstanding any other provision of law, when another regulatory official is acting
as the groupwide supervisor of an internationally active insurance group, the commissioner
shall acknowledge that regulatory official as the groupwide supervisor. However, in the
event of a material change in the internationally active insurance group that results in:

(1) the internationally active insurance group's insurers domiciled in this state holding
the largest share of the group's premiums, assets, or liabilities; or

(2) this state being the place of domicile of the top-tiered deleted text begin insurer(s)deleted text end new text begin insurer or insurersnew text end
in the insurance holding company system of the internationally active insurance group,

the commissioner shall make a determination or acknowledgment as to the appropriate
groupwide supervisor for such an internationally active insurance group pursuant to
deleted text begin subsectiondeleted text end new text begin paragraphnew text end (b).

(d) Pursuant to section 60D.21, the commissioner is authorized to collect from any
insurer registered pursuant to section 60D.19 all information necessary to determine whether
the commissioner may act as the groupwide supervisor of an internationally active insurance
group or if the commissioner may acknowledge another regulatory official to act as the
groupwide supervisor. Prior to issuing a determination that an internationally active insurance
group is subject to groupwide supervision by the commissioner, the commissioner shall
notify the insurer registered pursuant to section 60D.19 and the ultimate controlling person
within the internationally active insurance group. The internationally active insurance group
shall have not less than 30 days to provide the commissioner with additional information
pertinent to the pending determination. The commissioner shall publish in the State Register
and on the department's website the identity of internationally active insurance groups that
the commissioner has determined are subject to groupwide supervision by the commissioner.

(e) If the commissioner is the groupwide supervisor for an internationally active insurance
group, the commissioner is authorized to engage in any of the following groupwide
supervision activities:

(1) assess the enterprise risks within the internationally active insurance group to ensure
that:

(i) the material financial condition and liquidity risks to the members of the internationally
active insurance group that are engaged in the business of insurance are identified by
management; and

(ii) reasonable and effective mitigation measures are in place; or

(2) request, from any member of an internationally active insurance group subject to the
commissioner's supervision, information necessary and appropriate to assess enterprise risk,
including but not limited to information about the members of the internationally active
insurance group regarding:

(i) governance, risk assessment, and management;

(ii) capital adequacy; and

(iii) material intercompany transactions;

(3) coordinate and, through the authority of the regulatory officials of the jurisdictions
where members of the internationally active insurance group are domiciled, compel
development and implementation of reasonable measures designed to ensure that the
internationally active insurance group is able to timely recognize and mitigate enterprise
risks to members of deleted text begin suchdeleted text end new text begin thenew text end internationally active insurance group that are engaged in the
business of insurance;

(4) communicate with other state, federal and international regulatory agencies for
members within the internationally active insurance group and share relevant information
subject to the confidentiality provisions of section 60D.22, through supervisory colleges as
set forth in section 60D.215 or otherwise;

(5) enter into agreements with or obtain documentation from any insurer registered under
section 60D.19, any member of the internationally active insurance group, and any other
state, federal, and international regulatory agencies for members of the internationally active
insurance group, providing the basis for or otherwise clarifying the commissioner's role as
groupwide supervisor, including provisions for resolving disputes with other regulatory
officials. deleted text begin Suchdeleted text end Agreements or documentationnew text begin under this clausenew text end shall not serve as evidence
in any proceeding that any insurer or person within an insurance holding company system
not domiciled or incorporated in this state is doing business in this state or is otherwise
subject to jurisdiction in this state; and

(6) other groupwide supervision activities, consistent with the authorities and purposes
enumerated above, as considered necessary by the commissioner.

(f) If the commissioner acknowledges that another regulatory official from a jurisdiction
that is not accredited by the NAIC is the groupwide supervisor, the commissioner is
authorized to reasonably cooperate, through supervisory colleges or otherwise, with
groupwide supervision undertaken by the groupwide supervisor, provided that:

(1) the commissioner's cooperation is in compliance with the laws of this state; and

(2) the regulatory official acknowledged as the groupwide supervisor also recognizes
and cooperates with the commissioner's activities as a groupwide supervisor for other
internationally active insurance groups where applicable. Where deleted text begin suchdeleted text end recognition and
cooperationnew text begin by the groupwide supervisornew text end is not reasonably reciprocal, the commissioner is
authorized to refuse recognition and cooperation.

(g) The commissioner is authorized to enter into agreements with or obtain documentation
from any insurer registered under section 60D.19, any affiliate of the insurer, and other
state, federal, and international regulatory agencies for members of the internationally active
insurance group, that provide the basis for or otherwise clarify a regulatory official's role
as groupwide supervisor.

(h) A registered insurer subject to this section shall be liable for and shall pay the
reasonable expenses of the commissioner's participation in the administration of this section,
including the engagement of attorneys, actuaries, and any other professionals and all
reasonable travel expenses.

Sec. 17.

Minnesota Statutes 2024, section 60D.22, subdivision 1, is amended to read:


Subdivision 1.

Classification protection and use of information by commissioner.

new text begin (a)
new text end Documents, materials, or other information in the possession or control of the department
that are obtained by or disclosed to the commissioner or any other person in the course of
an examination or investigation made pursuant to section 60D.21 and all information reported
pursuant to sections 60D.17, except as provided in section 60D.17, subdivision 1, paragraph
(e); 60D.18; 60D.19; deleted text begin anddeleted text end 60D.20deleted text begin ,deleted text end new text begin ; and 60D.217,new text end are classified as confidential or protected
nonpublic or both, are not subject to subpoena, and are not subject to discovery or admissible
in evidence in a private civil action. However, the commissioner may use the documents,
materials, or other information in the furtherance of any regulatory or legal action brought
as a part of the commissioner's official duties. The commissioner shall not otherwise make
the documents, materials, or other information public without the prior written consent of
the insurer to which it pertains unless the commissioner, after giving the insurer and its
affiliates who would be affected by this action notice and opportunity to be heard, determines
that the interest of policyholders, shareholders, or the public deleted text begin will bedeleted text end new text begin isnew text end served by the
publication of it, in which event the commissioner may publish all or any part in the manner
the commissioner deems appropriate.

new text begin (b) For purposes of the information reported and provided to the department pursuant
to section 60D.19, subdivision 11b, the commissioner must maintain the confidentiality of
the group capital calculation and group capital ratio produced within the calculation and
any group capital information received from an insurance holding company supervised by
the Federal Reserve Board or any United States groupwide supervisor.
 new text end

new text begin (c) For purposes of the information reported and provided to the department pursuant
to section 60D.19, subdivision 11c, the commissioner must maintain the confidentiality of
the liquidity stress test results and supporting disclosures and any liquidity stress test
information received from an insurance holding company supervised by the Federal Reserve
Board and non-United States groupwide supervisors.
 new text end

Sec. 18.

Minnesota Statutes 2024, section 60D.22, subdivision 3, is amended to read:


Subd. 3.

Sharing of information.

In order to assist in the performance of the
commissioner's duties, the commissioner:

(1) may share documents, materials, or other information, including the confidential,
protected nonpublic, and privileged documents, materials, or information subject to this
section,new text begin including proprietary and trade secret documents and materials,new text end withnew text begin : (i)new text end other state,
federal, and international regulatory agenciesdeleted text begin , withdeleted text end new text begin ; (ii)new text end the NAIC deleted text begin and its affiliates and
subsidiaries,deleted text end new text begin ; (iii) any third-party consultants designated by the commissioner;new text end and deleted text begin withdeleted text end new text begin
(iv)new text end state, federal, and international law enforcement authorities, including members of any
supervisory college described in section 60D.215, provided that the recipient agrees in
writing to maintain the confidentiality and privileged status of the document, material, or
other information, and has verified in writing the legal authority to maintain confidentiality;

(2) notwithstanding clause (1), may only share confidential, protected nonpublic, and
privileged documents, materials, or information reported pursuant to section 60D.19new text begin ,
subdivision 11a,new text end with commissioners of states having statutes or regulations substantially
similar to subdivision 1 and who have agreed in writing not to disclose this information;

(3) may receive documents, materials, or information, including otherwise confidential
and privileged documents, materials, or information from the NAIC and deleted text begin itsdeleted text end new text begin the NAIC'snew text end
affiliates and subsidiaries and from regulatory and law enforcement officials of other foreign
or domestic jurisdictions, and shall maintain as confidential, protected nonpublic, or
privileged any document, material, or information received with notice or the understanding
that it is confidential or privileged under the laws of the jurisdiction that is the source of the
document, material, or information; and

(4) shall enter into written agreements with the NAICnew text begin and a third-party consultant
designated by the commissionernew text end governing sharing and use of information provided pursuant
to sections 60D.15 to 60D.29 consistent with this clause that shall:

(i) specify procedures and protocols regarding the confidentiality and security of
information shared with the NAIC deleted text begin and its affiliates and subsidiariesdeleted text end new text begin or a third-party consultant
designated by the commissionernew text end pursuant to sections 60D.15 to 60D.29, including procedures
and protocols for sharing by the NAIC with other state, federal, or international regulatorsnew text begin .
The agreement must provide that the recipient agrees in writing to maintain the confidentiality
and privileged status of the documents, materials, or other information, and has verified in
writing the legal authority to maintain confidentialitynew text end ;

(ii) specify that ownership of information shared with the NAIC deleted text begin and its affiliates and
subsidiariesdeleted text end new text begin or a third-party consultantnew text end pursuant to sections 60D.15 to 60D.29 remains with
the commissioner and the NAIC'snew text begin or a third-party consultant's, as designated by the
commissioner,new text end use of the information is subject to the direction of the commissioner;

new text begin (iii) excluding documents, material, or information reported pursuant to section 60D.19,
subdivision 11c, prohibit the NAIC or a third-party consultant designated by the
commissioner from storing the information shared pursuant to sections 60D.15 to 60D.29
in a permanent database after the underlying analysis is completed;
 new text end

deleted text begin (iii)deleted text end new text begin (iv)new text end require prompt notice to be given to an insurer whose confidential or protected
nonpublic information in the possession of the NAICnew text begin or a third-party consultant designated
by the commissionernew text end pursuant to sections 60D.15 to 60D.29 is subject to a request or
subpoena to the NAICnew text begin or a third-party consultant designated by the commissionernew text end for
disclosure or production; deleted text begin and
deleted text end

deleted text begin (iv)deleted text end new text begin (v)new text end require the NAIC deleted text begin and its affiliates and subsidiariesdeleted text end new text begin or a third-party consultant
designated by the commissionernew text end to consent to intervention by an insurer in any judicial or
administrative action in which the NAIC deleted text begin and its affiliates and subsidiariesdeleted text end new text begin or a third-party
consultant designated by the commissionernew text end may be required to disclose confidential or
protected nonpublic information about the insurer shared with the NAIC deleted text begin and its affiliates
and subsidiariesdeleted text end new text begin or a third-party consultant designated by the commissionernew text end pursuant to
sections 60D.15 to 60D.29deleted text begin .deleted text end new text begin ; and
new text end

new text begin (vi) for documents, material, or information reported pursuant to section 60D.19,
subdivision 11c, in the case of an agreement involving a third-party consultant, provide for
notification of the identity of the consultant to the applicable insurers.
 new text end

Sec. 19.

Minnesota Statutes 2024, section 60D.22, subdivision 6, is amended to read:


Subd. 6.

Classification protection and use by others.

Documents, materials, or other
information in the possession or control of the NAICnew text begin or a third-party consultant designated
by the commissionernew text end pursuant to sections 60D.15 to 60D.29 are confidential, protected
nonpublic, or privileged, are not subject to subpoena, and are not subject to discovery or
admissible in evidence in a private civil action.

Sec. 20.

Minnesota Statutes 2024, section 60D.22, is amended by adding a subdivision to
read:


new text begin Subd. 7. new text end

new text begin Certain disclosures or publication prohibited. new text end

new text begin (a) The group capital calculation
and resulting group capital ratio required under section 60D.19, subdivision 11b, and the
liquidity stress test along with the liquidity stress test's results and supporting disclosures
required under section 60D.19, subdivision 11c, are regulatory tools to assess group risks
and capital adequacy and group liquidity risks, respectively, and are not intended as a means
to rank insurers or insurance holding company systems generally.
 new text end

new text begin (b) Except as otherwise required under sections 60D.09 to 60D.29, making, publishing,
disseminating, circulating, or placing before the public, or causing directly or indirectly to
be made, published, disseminated, circulated, or placed before the public in a newspaper,
magazine, or other publication, or in the form of a notice, circular, pamphlet, letter, or poster,
or over any radio, television station, or any electronic means of communication available
to the public, or in any other way as an advertisement, announcement, or statement containing
a representation or statement with regard to the group capital calculation, group capital ratio,
the liquidity stress test results, or supporting disclosures for the liquidity stress test of any
insurer or any insurer group, or of any component derived in the calculation by any insurer,
broker, or other person engaged in any manner in the insurance business is misleading and
is prohibited.
 new text end

new text begin (c) Notwithstanding paragraph (b), an insurer may publish an announcement in a written
publication if any materially false statement with respect to the group capital calculation,
resulting group capital ratio, an inappropriate comparison of any amount to an insurer's or
insurance group's group capital calculation or resulting group capital ratio, liquidity stress
test result, supporting disclosures for the liquidity stress test, or an inappropriate comparison
of any amount to an insurer's or insurance group's liquidity stress test result or supporting
disclosures is published in any written publication and the insurer is able to demonstrate to
the commissioner with substantial proof the statement's falsity or inappropriateness. The
sole purpose of an announcement under this paragraph must be to rebut the materially false
statement.
 new text end

Sec. 21.

Minnesota Statutes 2024, section 60D.24, subdivision 2, is amended to read:


Subd. 2.

Voting of securities; when prohibited.

No security that is the subject of any
agreement or arrangement regarding acquisition, or that is acquired or to be acquired, in
contravention of the provisions of this chapter or of any rule or order issued by the
commissioner may be voted at any shareholder's meeting, or may be counted for quorum
purposes, and any action of shareholders requiring the affirmative vote of a percentage of
shares may be taken as though the securities were not issued and outstanding. No action
taken at the meeting shall be invalidated by the voting of the securities, unless the action
would materially affect control of the insurer or unless the courts of this state have so
ordered. If an insurer or the commissioner has reason to believe that any security of the
insurer has been or is about to be acquired in contravention of the provisions of this chapter
or of any rule or order issued by the commissioner, the insurer or the commissioner may
apply to the district court for the county in which the insurer has its principal place of
business to enjoin any offer, request, invitation, agreement, or acquisition made in
contravention of section deleted text begin 60D.16deleted text end new text begin 60D.17new text end or any rule or order issued by the commissioner
to enjoin the voting of any security so acquired, to void any vote of the security already cast
at any meeting of shareholders and for other equitable relief as the nature of the case and
the interest of the insurer's policyholders or the public requires.

Sec. 22.

Minnesota Statutes 2024, section 60D.25, is amended to read:


60D.25 RECEIVERSHIP.

Whenever it appears to the commissioner that any person has committed a violation of
this chapter that so impairs the financial condition of a domestic insurer as to threaten
insolvency or make the further transaction of business by it hazardous to its policyholdersnew text begin ,
creditors, shareholders,new text end or the public, deleted text begin thendeleted text end the commissioner may proceed as provided in
chapter 60B to take possessions of the property of the domestic insurer and to conduct the
business of deleted text begin thatdeleted text end new text begin the domesticnew text end insurer.

ARTICLE 6

MINNESOTA BUSINESS CORPORATIONS ACT

Section 1.

Minnesota Statutes 2024, section 302A.011, subdivision 41, is amended to
read:


Subd. 41.

Beneficial owner; beneficial ownership.

(a) "Beneficial owner," when used
with respect to shares or other securities, includes, but is not limited to, any person who,
directly or indirectly through any written or oral agreement, arrangement, relationship,
understanding, or otherwise, has or shares the power to vote, or direct the voting of, the
shares or securities or has or shares the power to dispose of, or direct the disposition of, the
shares or securities, except that:

(1) a person shall not be deemed the beneficial owner of shares or securities tendered
pursuant to a tender or exchange offer made by the person or any of the person's affiliates
or associates until the tendered shares or securities are accepted for purchase or exchange;
and

(2) a person shall not be deemed the beneficial owner of shares or securities with respect
to which the person has the power to vote or direct the voting arising solely from a revocable
proxy given in response to a proxy solicitation required to be made and made in accordance
with the applicable rules and regulations under the Securities Exchange Act of 1934 and is
not then reportable under that act on a Schedule 13D or comparable report, or, if the
corporation is not subject to the rules and regulations under the Securities Exchange Act of
1934, would have been required to be made and would not have been reportable if the
corporation had been subject to the rules and regulations.

(b) "Beneficial ownership" includes, but is not limited to, the right to acquire shares or
securities through the exercise of options, warrants, or rights, or the conversion of convertible
securities, or otherwise. The shares or securities subject to the options, warrants, rights, or
conversion privileges held by a person shall be deemed to be outstanding for the purpose
of computing the percentage of outstanding shares or securities of the class or series owned
by the person, but shall not be deemed to be outstanding for the purpose of computing the
percentage of the class or series owned by any other person. A person deleted text begin shall bedeleted text end new text begin isnew text end deemed
the beneficial owner of shares and securities beneficially owned bynew text begin : (1)new text end any relative or
spouse of the person or any relative of the spouse, residing in the home of the persondeleted text begin ,deleted text end new text begin ; (2)new text end
any trust or estate in which the personnew text begin (i)new text end owns ten percent or more of the total beneficial
interestnew text begin of the trust or estatenew text end new text begin ,new text end ornew text begin (ii)new text end serves as trustee or executor or in a similar fiduciary
capacitydeleted text begin ,deleted text end new text begin for the trust or estate; (3)new text end any organization in which the person owns ten percent
or more of the equitydeleted text begin ,deleted text end new text begin ;new text end andnew text begin (4)new text end any affiliate of the person.

(c) When two or more persons act or agree to act as a partnership, limited partnership,
syndicate, or other group for the purposes of acquiring, owning, or voting shares or other
securities of a corporation, all members of the partnership, syndicate, or other group are
deemed to constitute a "person" and to have acquired beneficial ownership, as of the date
they first so act or agree to act together, of all shares or securities of the corporation
beneficially owned by the person.

Sec. 2.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 72. new text end

new text begin Defective corporate act. new text end

new text begin "Defective corporate act" means an overissue, an
election or appointment of directors that is void or voidable due to a failure of authorization,
or an act or transaction purportedly taken by or on behalf of the corporation that is and, at
the time the act or transaction was purportedly taken, would have been within the
corporation's power under section 302A.101 but is void or voidable due to a failure of
authorization.
 new text end

Sec. 3.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 73. new text end

new text begin Emergency. new text end

new text begin "Emergency" means a situation during which it is impracticable
for the corporation to conduct the corporation's affairs in accordance with this chapter, the
articles, the bylaws, or as specified in a notice for the meeting previously given as a result
of a catastrophic event or condition, including but not limited to an act of nature, an epidemic
or pandemic, a technological failure or malfunction, a terrorist incident or an act of war, a
cyber attack, a civil disturbance, or a governmental authority's emergency declaration.
 new text end

Sec. 4.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 74. new text end

new text begin Failure of authorization. new text end

new text begin "Failure of authorization" means the failure: (1) to
authorize or effect an act or transaction in compliance with (i) this chapter, (ii) the articles
or bylaws, (iii) any plan or agreement to which the corporation is a party, or (iv) the
disclosure set forth in any proxy or consent solicitation statement, if and to the extent the
failure renders the act or transaction void or voidable; or (2) of the board or an officer to
authorize or approve an act or transaction taken by or on behalf of the corporation that
requires board or officer approval for the act or transaction's due authorization.
 new text end

Sec. 5.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 75. new text end

new text begin Overissue. new text end

new text begin "Overissue" means the purported issuance of: (1) shares of a class
or series in excess of the number of shares of the class or series the corporation has the
power under the articles to issue under section 302A.401, subdivision 1, at the time of the
issuance; or (2) shares of any class or series that are not then authorized for issuance by the
articles.
 new text end

Sec. 6.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 76. new text end

new text begin Putative shares. new text end

new text begin "Putative shares" means shares, including shares issued upon
exercise of rights to purchase, in each case, that were created or issued pursuant to a defective
corporate act, that: (1) but for a failure of authorization, would constitute valid shares; or
(2) the board is unable to determine are valid shares.
 new text end

Sec. 7.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 77. new text end

new text begin Time of defective corporate act. new text end

new text begin "Time of defective corporate act" means
the date and time at which the defective corporate act was purportedly taken.
 new text end

Sec. 8.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 78. new text end

new text begin Validation effective time. new text end

new text begin "Validation effective time," with respect to a
defective corporate act ratified under section 302A.166 or 302A.167, means the latest of:
 new text end

new text begin (1) the time when a defective corporate act submitted to shareholders for approval under
section 302A.166, subdivision 4, is approved by shareholders or, if no vote of the
shareholders is required to approve the ratification of the defective corporate act, immediately
following the time when the board adopts the resolutions required under section 302A.166,
subdivision 2 or 3;
 new text end

new text begin (2) if no certificate of validation must be filed under section 302A.166, subdivision 6,
the time, if any, specified by the board of directors in the resolutions adopted under section
302A.166, subdivision 2 or 3, provided the time specified by the board of directors does
not precede the time when the resolutions are adopted; or
 new text end

new text begin (3) the time when any certificate of validation filed under section 302A.166, subdivision
6, is filed with the secretary of state.
 new text end

Sec. 9.

Minnesota Statutes 2024, section 302A.011, is amended by adding a subdivision
to read:


new text begin Subd. 79. new text end

new text begin Valid shares. new text end

new text begin "Valid shares" means shares that have been duly authorized
and validly issued as required under this chapter.
 new text end

Sec. 10.

Minnesota Statutes 2024, section 302A.111, subdivision 2, is amended to read:


Subd. 2.

Statutory provisions that may be modified only in articles or in a
shareholder control agreement.

The following provisions govern a corporation unless
modified in the articles or in a shareholder control agreement under section 302A.457:

(a) a corporation has general business purposes (section 302A.101);

(b) a corporation has perpetual existence and certain powers (section 302A.161);

(c) the power to adopt, amend, or repeal the bylaws is vested in the board (section
302A.181);

(d) a corporation must allow cumulative voting for directors (section 302A.215,
subdivision 2);

(e) the affirmative vote of a majority of directors present is required for an action of the
board (section 302A.237);

(f) a written action by the board taken without a meeting must be signed by all directors
(section 302A.239);

(g) the board may authorize the issuance of securities and rights to purchase securities
(section 302A.401, subdivision 1);

(h) all shares are common shares entitled to vote and are of one class and one series
(section 302A.401, subdivision 2, clauses (a) and (b));

(i) all shares have equal rights and preferences in all matters not otherwise provided for
by the board (section 302A.401, subdivision 2, clause (b));

(j) the par value of shares is fixed at one cent per share for certain purposes and may be
fixed by the board for certain other purposes (section 302A.401, subdivision 2, clause (c));

(k) the board or the shareholders may issue shares for any consideration or for no
consideration to effectuate share dividends, divisions, or combinations, and determine the
value of nonmonetary consideration (section 302A.405, subdivision 1);

(l) shares of a class or series must not be issued to holders of shares of another class or
series to effectuate share dividends, divisions, or combinations, unless authorized by a
majority of the voting power of the shares of the same class or series as the shares to be
issued (section 302A.405, subdivision 1);

(m) a corporation may issue rights to purchase securities whose terms, provisions, and
conditions are fixed by the board (section 302A.409);

(n) a shareholder has certain preemptive rights, unless otherwise provided by the board
(section 302A.413);

(o) the affirmative vote of the holders of a majority of the voting power of the shares
present and entitled to vote at a duly held meeting is required for an action of the
shareholders, except where this chapter requires the affirmative vote of a plurality of the
votes cast (section 302A.215, subdivision 1) or a majority of the voting power of all shares
entitled to vote (section 302A.437, subdivision 1);

(p) shares of a corporation acquired by the corporation may be reissued (section
302A.553, subdivision 1);

(q) each share has one vote unless otherwise provided in the terms of the share (section
302A.445, subdivision 3);

(r) a corporation may issue shares for a consideration less than the par value, if any, of
the shares (section 302A.405, subdivision 2);

(s) the board may effect share dividends, divisions, and combinations under certain
circumstances without shareholder approval (section 302A.402);

(t) a written action of shareholders must be signed by all shareholders (section 302A.441);

(u) specified amendments of the articles create dissenters' rights (section 302A.471,
subdivision 1, clause (a)); deleted text begin and
deleted text end

(v) shareholders are entitled to vote as a class or series upon proposed amendments to
the articles in specified circumstances (section 302A.137)deleted text begin .deleted text end new text begin ; and
new text end

new text begin (w) the corporation's business and affairs must be managed by or under the board's
direction (section 302A.201).
 new text end

Sec. 11.

Minnesota Statutes 2024, section 302A.161, is amended by adding a subdivision
to read:


new text begin Subd. 23a. new text end

new text begin Emergency powers. new text end

new text begin (a) During an emergency, unless emergency bylaws
provide otherwise:
 new text end

new text begin (1) notice of a meeting of the board must be given only to the directors that are practicable
to reach and may, if ordinary notice is impracticable or inadvisable due to the emergency,
be given in any practicable manner; and
 new text end

new text begin (2) the officers designated on a list approved by the board of directors before the
emergency, in the priority order and subject to conditions as may be provided in the board
resolution approving the list, must, to the extent required to provide a quorum at any meeting
of the board, be deemed directors for the meeting.
 new text end

new text begin (b) During an emergency that makes it impracticable to convene a meeting of shareholders
in accordance with this chapter, the articles, the bylaws, or as specified in a notice for the
meeting previously given, unless emergency bylaws provide otherwise, the board may
postpone a meeting of shareholders for which notice has been given or authorize shareholders
to participate in a meeting by any means of remote communication that conforms with
section 302A.436. The corporation must give notice to shareholders, by the means and with
shorter advance notice as are reasonable in the circumstances, of a postponement, including
any new date, time, or place, and describe any means of remote communication to be used.
The notice to shareholders by a publicly held corporation may be given solely by means of
a document publicly filed by the corporation with the Securities and Exchange Commission
pursuant to the rules and regulations under the Securities Exchange Act of 1934, United
States Code, title 15, section 78a, et seq.
 new text end

new text begin (c) A corporate action taken in good faith under this subdivision during an emergency
to further the business and affairs of the corporation binds the corporation.
 new text end

Sec. 12.

new text begin [302A.166] DEFECTIVE CORPORATE ACTS AND SHARES;
RATIFICATION.
 new text end

new text begin Subdivision 1. new text end

new text begin Effect of ratification or validation. new text end

new text begin Subject to subdivision 7, a defective
corporate act or putative share is not void or voidable solely as a result of a failure of
authorization if the defective corporate act or putative share is ratified under this section or
validated by a court in a proceeding brought under section 302A.167.
 new text end

new text begin Subd. 2. new text end

new text begin Board approval; generally. new text end

new text begin (a) In order to ratify one or more defective corporate
acts under this section other than ratifying an election of the first board under subdivision
3, the board must adopt resolutions stating:
 new text end

new text begin (1) the defective corporate act or acts to be ratified;
 new text end

new text begin (2) the date of each defective corporate act or acts;
 new text end

new text begin (3) if the defective corporate act or acts involved the issuance of putative shares, the
number and type of putative shares issued and the date or dates upon which the putative
shares were purported to have been issued;
 new text end

new text begin (4) the nature of the failure of authorization in respect of each defective corporate act
to be ratified; and
 new text end

new text begin (5) that the board approves ratification of the defective corporate act or acts.
 new text end

new text begin (b) The resolutions also may provide that, at any time before the validation effective
time in respect of a defective corporate act set forth in the resolutions, notwithstanding the
approval of the ratification of the defective corporate act by shareholders, the board may
abandon the ratification of the defective corporate act without further action of the
shareholders.
 new text end

new text begin (c) The quorum and voting requirements that apply to the board's ratification of any
defective corporate act must be the quorum and voting requirements applicable to the type
of defective corporate act proposed to be ratified at the time the board adopts the resolutions
ratifying the defective corporate act. If the articles or bylaws, any plan or agreement to
which the corporation was a party, or any provision of this chapter, in each case as in effect
as of the time of the defective corporate act, require a larger number or portion of directors
or of specified directors for a quorum to be present or to approve the defective corporate
act, the larger number or portion of the directors or the specified directors must be required
for a quorum to be present or to adopt the resolutions to ratify the defective corporate act,
as applicable; except that the presence or approval of a director elected, appointed, or
nominated by holders of any class or series of which no shares are outstanding at the time
the board adopts the resolutions ratifying the defective corporate act, or by any person that
is no longer a shareholder at the time the board adopts the resolutions ratifying the defective
corporate act, is not required.
 new text end

new text begin Subd. 3. new text end

new text begin Board approval; election of first board. new text end

new text begin To ratify a defective corporate act
in respect of the election of the first board under section 302A.201, subdivision 1, a majority
of the persons who, at the time the resolutions required by this subdivision are adopted, are
exercising the powers of directors under claim and color of an election or appointment as
such may adopt resolutions stating:
 new text end

new text begin (1) the name of the person or persons who first took action in the name of the corporation
as the first board;
 new text end

new text begin (2) the earlier of the date on which the persons first took the action or were purported
to have been elected as the first board; and
 new text end

new text begin (3) that the ratification of the election of the person or persons as the first board is
approved.
 new text end

new text begin Subd. 4. new text end

new text begin Shareholder approval; when required. new text end

new text begin A defective corporate act ratified
under subdivision 2 must be submitted to shareholders for approval under subdivision 5,
unless:
 new text end

new text begin (1)(i) no other provision of this chapter, and no provision of the articles or bylaws, or
of any plan or agreement to which the corporation is a party, requires shareholder approval
of the defective corporate act to be ratified, either at the time of the defective corporate act
or at the time the board adopts the resolutions ratifying the defective corporate act under
subdivision 2, and (ii) the defective corporate act did not result from a failure to comply
with section 302A.673; or
 new text end

new text begin (2) as of the adoption of the resolutions of the board under subdivision 2, there are no
valid shares outstanding and entitled to vote thereon, regardless of whether there then exist
any putative shares.
 new text end

new text begin Subd. 5. new text end

new text begin Shareholder approval; process. new text end

new text begin (a) If the ratification of a defective corporate
act must be submitted to shareholders for approval under subdivision 4, notice of the meeting
must be given in the manner set forth in section 302A.435 to each holder of valid shares
and putative shares, whether voting or nonvoting.
 new text end

new text begin (b) The notice under this subdivision must be given as follows:
 new text end

new text begin (1) in the case of a defective corporate act that did not involve the establishment of a
record date for notice of or voting at any meeting of shareholders, for written action of
shareholders in lieu of a meeting, or for any other purpose, to the shareholders of valid
shares and putative shares, whether voting or nonvoting, as of the time of the defective
corporate act, other than holders whose identities or addresses cannot be determined from
the corporation's records; or
 new text end

new text begin (2) in the case of a defective corporate act that involved the establishment of a record
date for notice of or voting at any meeting of shareholders, for written action of shareholders
in lieu of a meeting, or for any other purpose, to the shareholders of valid shares and putative
shares, whether voting or nonvoting, as of the record date for notice of or voting at the
meeting, the record date for written action, or the record date for the other action, as the
case may be, other than holders whose identities or addresses cannot be determined from
the corporation's records.
 new text end

new text begin (c) The notice must contain a copy of the resolutions adopted by the board under
subdivision 2 or the information required by subdivision 2, paragraph (a), clauses (1) to (5).
The notice must include a statement that any claim that the defective corporate act or putative
shares ratified under this section is void or voidable due to the failure of authorization, or
that a court should declare in the court's discretion that a ratification in accordance with this
section is not effective or is effective only on certain conditions, must be brought within
120 days from the applicable validation effective time.
 new text end

new text begin (d) At the meeting, the quorum and voting requirements that apply to ratification of the
defective corporate act must be the same quorum and voting requirements that apply to the
type of defective corporate act proposed to be ratified at the time of the approval of the
ratification, except that:
 new text end

new text begin (1) if the articles or bylaws, a plan or agreement to which the corporation was a party,
or a provision under this chapter in effect as of the time of the defective corporate act requires
a larger number or portion of shares or of any class or series thereof or of specified
shareholders for a quorum to be present or to approve the defective corporate act, the presence
or approval of the larger number or portion of stock or of the class or series thereof or of
the specified shareholders must be required for a quorum to be present or to approve the
ratification of the defective corporate act, as applicable; except that the presence or approval
of shares of any class or series of which no shares are outstanding at the time of the approval
of the ratification, or of any person that is no longer a shareholder at the time of the approval
of the ratification, is not required; and
 new text end

new text begin (2) the approval by shareholders of the ratification of a director's election requires the
affirmative vote of a plurality of shares present at the meeting and entitled to vote on the
election of the director in the manner set forth in section 302A.215, except that, if the articles
or bylaws then in effect or in effect at the time of the defective election require or required
a larger number or portion of shares or of any class or series thereof or of specified
shareholders to elect the director, the affirmative vote of the larger number or portion of
shares or of any class or series thereof or of the specified shareholders must be required to
ratify the election of the director; except that the presence or approval of shares of any class
or series of which no shares are outstanding at the time of the approval of the ratification,
or of any person that is no longer a shareholder at the time of the approval of the ratification,
is not required.
 new text end

new text begin (e) Putative shares, measured as of the adoption by the board of resolutions under
subdivision 2 and without giving effect to any ratification that becomes effective after the
adoption, are neither entitled to vote nor counted for quorum purposes in a vote to ratify a
defective corporate act.
 new text end

new text begin Subd. 6. new text end

new text begin Certificate of validation. new text end

new text begin (a) If a defective corporate act ratified under this
section requires under any other section of this chapter a certificate to be filed with the
secretary of state, and either (1) the certificate requires any change to give effect to the
defective corporate act in accordance with this section, including a change to the date and
time of the effectiveness of the certificate, or (2) a certificate was not previously filed with
respect to the defective corporate act, the corporation must file with the secretary of state
a certificate of validation with respect to the defective corporate act in lieu of filing the
certificate otherwise required by this chapter.
 new text end

new text begin (b) A separate certificate of validation is required for each defective corporate act that
requires the filing of a certificate of validation under this section, except that (1) two or
more defective corporate acts may be included in a single certificate of validation if the
corporation filed with the secretary of state, or to comply with this chapter would have filed
with the secretary of state, a single certificate under another provision of this chapter to
effect the acts, and (2) two or more overissues of shares, or of any class or series of shares,
may be included in a single certificate of validation; provided that the increase in the number
of authorized shares, or of each class or series, set forth in the certificate of validation is
effective on the date of the first overissue.
 new text end

new text begin (c) The certificate of validation must set forth:
 new text end

new text begin (1) that the corporation has ratified one or more defective corporate acts that would have
required filing with the secretary of state of a certificate under this chapter;
 new text end

new text begin (2) that each defective corporate act has been ratified in accordance with this section;
and
 new text end

new text begin (3) the following information:
 new text end

new text begin (i) if a certificate was previously filed with the secretary of state under this chapter with
respect to the defective corporate act and the certificate requires any change to give effect
to the defective corporate act in accordance with this section, including a change to the date
and time of the effectiveness of the certificate, the certificate of validation must set forth:
 new text end

new text begin (A) the name, title, and filing date of the certificate previously filed and any certificate
of correction to the certificate previously filed;
 new text end

new text begin (B) a statement that a certificate containing all of the information that must be included
under the applicable section or sections of this chapter to give effect to the defective corporate
act is attached as an exhibit to the certificate of validation; and
 new text end

new text begin (C) the date and time that the certificate is deemed effective pursuant to this section; or
 new text end

new text begin (ii) if a certificate was not previously filed with the secretary of state under this chapter
in respect of the defective corporate act and the defective corporate act ratified pursuant to
this section would have required under any other section of this chapter the filing with the
secretary of state of a certificate, the certificate of validation shall set forth:
 new text end

new text begin (A) a statement that a certificate containing all of the information required to be included
under the applicable section or sections of this chapter to give effect to the defective corporate
act is attached as an exhibit to the certificate of validation; and
 new text end

new text begin (B) the date and time that the certificate shall be deemed to have become effective
pursuant to this section.
 new text end

new text begin (d) A certificate attached to a certificate of validation need not be separately executed
and acknowledged and need not include a statement required by another section under this
chapter that the instrument has been approved and adopted in accordance with the provisions
of the other section under this chapter.
 new text end

new text begin Subd. 7. new text end

new text begin Retroactive effect. new text end

new text begin From and after the validation effective time, unless otherwise
determined in an action brought pursuant to section 302A.167, subject to subdivision 5,
paragraph (e):
 new text end

new text begin (1) each defective corporate act ratified in accordance with this section is no longer
deemed void or voidable as a result of the failure of authorization described in the resolutions
adopted under subdivision 2, effective retroactively from the time of the defective corporate
act; and
 new text end

new text begin (2) each share or fraction of a share of putative shares issued or purportedly issued
pursuant to the defective corporate act is no longer deemed void or voidable, and is deemed
to be an identical outstanding share or fraction of an outstanding share as of the time the
share or fraction of a share was purportedly issued.
 new text end

new text begin Subd. 8. new text end

new text begin Postratification notice. new text end

new text begin (a) Except as provided under paragraph (b), with respect
to each defective corporate act ratified by the board under subdivision 2 or subdivision 3,
prompt notice of the ratification must be given to all shareholders of valid shares and putative
shares, whether voting or nonvoting, as of the date the board adopts the resolutions approving
the defective corporate act, or as of a date within 60 days after the date of adoption, as
established by the board. The notice must be sent to the address of the holder as the address
appears or most recently appeared, as appropriate, on the corporation's records. The notice
must be given to the shareholders of valid shares and putative shares, whether voting or
nonvoting, as of the time of the defective corporate act, other than holders whose identities
or addresses cannot be determined from the records of the corporation. The notice must
contain a copy of the resolutions adopted under subdivision 2 or the information specified
under subdivision 2, paragraph (a), clauses (1) to (5), or subdivision 3, clauses (1) to (3),
as applicable, and a statement that any claim that the defective corporate act or putative
shares ratified under this section is void or voidable due to the failure of authorization, or
that a court should declare in the court's discretion that a ratification in accordance with this
section is not effective or is effective only on certain conditions, must be brought within
120 days from the latter of the validation effective time or the time at which the notice
required by this subdivision is given.
 new text end

new text begin (b) Notice is not required if notice of the ratification of the defective corporate act is
given in accordance with subdivision 5 and, in the case of a corporation that has a class of
shares listed on a national securities exchange, the notice required by this subdivision and
subdivision 5 may be deemed given if disclosed in a document publicly filed by the
corporation with the Securities and Exchange Commission pursuant to section 13, 14, or
15(d) of the Securities Exchange Act of 1934, as amended, United States Code, title 15,
section 78a, et seq., and rules and regulations promulgated under the Securities Exchange
Act of 1934, as amended, or the corresponding provisions of any subsequent United States
securities laws, rules, or regulations.
 new text end

new text begin (c) If a defective corporate act has been approved by shareholders acting pursuant to
section 302A.441, the notice required by this subdivision may be included in a notice
required under section 302A.441, subdivision 3. If the notice is given under section
302A.441, the notice must be sent to the shareholders entitled to the notice under section
302A.441, subdivision 3, and to all holders of valid shares and putative shares to whom
notice is required under this subdivision if the defective corporate act had been approved
at a meeting and the record date for determining the shareholders entitled to notice of the
meeting had been the date for determining the shareholders entitled to notice under paragraph
(a) other than any shareholder who approved the written action in lieu of a meeting under
section 302A.441 or any holder of putative shares who otherwise consented thereto in
writing.
 new text end

new text begin (d) For purposes of this subdivision and subdivision 5 only, notice to holders of putative
shares, and notice to holders of valid shares and putative shares as of the time of the defective
corporate act, is treated as notice to holders of valid shares for purposes of sections 302A.435
and 302A.441.
 new text end

Sec. 13.

new text begin [302A.167] VALIDITY OF DEFECTIVE CORPORATE ACTS AND
SHARES; PROCEEDINGS.
 new text end

new text begin Subdivision 1. new text end

new text begin When permitted. new text end

new text begin Subject to subdivision 5, upon application by the
corporation, a successor entity to the corporation, a member of the board, a shareholder or
beneficial owner of valid shares or putative shares, a shareholder or beneficial owner of
valid shares or putative shares as of the time of a defective corporate act ratified pursuant
to section 302A.166, or other person claiming to be substantially and adversely affected by
a ratification pursuant to section 302A.166, a court may:
 new text end

new text begin (1) determine the validity and effectiveness of any defective corporate act ratified pursuant
to section 302A.166;
 new text end

new text begin (2) determine the validity and effectiveness of the ratification of any defective corporate
act pursuant to section 302A.166;
 new text end

new text begin (3) determine the validity and effectiveness of any defective corporate act not ratified
or not ratified effectively pursuant to section 302A.166;
 new text end

new text begin (4) determine the validity of any corporate act or transaction and any shares or rights to
purchase; and
 new text end

new text begin (5) modify or waive any of the procedures set forth in section 302A.166 to ratify a
defective corporate act.
 new text end

new text begin Subd. 2. new text end

new text begin Remedies. new text end

new text begin In connection with an action under this section, a court may:
 new text end

new text begin (1) declare that a ratification under section 302A.166 is not effective or is only effective
at a time or upon conditions established by the court;
 new text end

new text begin (2) validate and declare effective a defective corporate act or putative shares and impose
conditions upon the court's validation;
 new text end

new text begin (3) require measures to remedy or avoid harm to a person substantially and adversely
affected by a ratification under section 302A.166 or from a court order pursuant to this
section, excluding harm that would have resulted if the defective corporate act had been
valid when approved or effectuated;
 new text end

new text begin (4) order the secretary of state to accept an instrument for filing with an effective time
specified by the court, which may be before or after the time of the order, provided that the
filing date of the instrument must be determined in accordance with section 302A.011,
subdivision 11;
 new text end

new text begin (5) approve a share register for the corporation that includes any shares ratified or
validated in accordance with this section or section 302A.166;
 new text end

new text begin (6) declare that putative shares are valid shares or require a corporation to issue and
deliver valid shares in place of any putative shares;
 new text end

new text begin (7) order a meeting of holders of valid shares or putative shares and determine the right
and power of persons claiming to hold valid shares or putative shares to vote at the ordered
meeting;
 new text end

new text begin (8) declare that a defective corporate act validated by a court is effective as of the time
of the defective corporate act or at another time the court may determine;
 new text end

new text begin (9) declare that putative shares validated by a court shall be deemed to be an identical
share or fraction of a valid share as of the time originally issued or purportedly issued or at
such other time as the court may determine; and
 new text end

new text begin (10) make other orders regarding matters as the court deems proper under the
circumstances.
 new text end

new text begin Subd. 3. new text end

new text begin Service. new text end

new text begin Service of the application under subdivision 1 upon the registered
agent of the corporation is deemed to be service upon the corporation, and no other party
needs to be joined in order for a court to adjudicate the matter. In an action filed by the
corporation, a court may require notice of the action be provided to other persons specified
by the court and permit the other persons to intervene in the action.
 new text end

new text begin Subd. 4. new text end

new text begin Considerations. new text end

new text begin In connection with resolving matters pursuant to subdivisions
1 and 2, a court may consider the following:
 new text end

new text begin (1) whether the defective corporate act was originally approved or effectuated with the
good faith belief that the approval or effectuation was in compliance with the provisions of
this chapter, the articles, or the bylaws;
 new text end

new text begin (2) whether the corporation and board have treated the defective corporate act as a valid
act or transaction and whether a person has acted in reliance on the public record that the
defective corporate act was valid;
 new text end

new text begin (3) whether any person may be or was harmed by the ratification or validation of the
defective corporate act, excluding harm that would have resulted if the defective corporate
act had been valid when approved or effectuated;
 new text end

new text begin (4) whether any person is harmed by the failure to ratify or validate the defective corporate
act; and
 new text end

new text begin (5) any other factors or considerations the court deems just and equitable.
 new text end

new text begin Subd. 5. new text end

new text begin Statute of limitations. new text end

new text begin An action asserting that (1) a defective corporate act or
putative shares ratified in accordance with section 302A.166 is void or voidable due to a
failure of authorization identified in the resolution adopted in accordance with section
302A.166, subdivision 2 or 3, or (2) a court should declare in its discretion that a ratification
in accordance with section 302A.166 not be effective or be effective only on certain
conditions, is prohibited from being brought after the expiration of 120 days from the later
of the validation effective time and the time notice, if any, that is required to be given
pursuant to section 302A.166, subdivision 8, is given with respect to the ratification; except
that this subdivision does not apply to an action asserting that a ratification was not
accomplished in accordance with section 302A.166 or to any person to whom notice of the
ratification was required to have been given pursuant to 302A.166, subdivision 5 or 8, but
to whom the notice was not given.
 new text end

Sec. 14.

Minnesota Statutes 2024, section 302A.181, is amended by adding a subdivision
to read:


new text begin Subd. 4. new text end

new text begin Emergency bylaws. new text end

new text begin (a) Unless the articles provide otherwise, bylaws may
contain provisions that are effective only during an emergency. The emergency bylaws may
contain provisions necessary to manage the corporation during the emergency, including:
 new text end

new text begin (1) procedures for calling a meeting of the board;
 new text end

new text begin (2) quorum requirements for the meeting;
 new text end

new text begin (3) designation of additional or substitute directors; and
 new text end

new text begin (4) procedures for the board to determine the duration of an emergency.
 new text end

new text begin (b) All provisions of the regular bylaws that are not inconsistent with the emergency
bylaws remain effective during the emergency.
 new text end

new text begin (c) Corporate action taken in good faith in accordance with the emergency bylaws binds
the corporation.
 new text end

Sec. 15.

Minnesota Statutes 2024, section 302A.201, subdivision 1, is amended to read:


Subdivision 1.

Board to manage.

The business and affairs of a corporation shall be
managed by or under the direction of a board, subject to the provisions of subdivision 2 and
section 302A.457new text begin , and except as may be otherwise provided in the articles. If a provision
is made in the articles: (1) the powers and duties conferred or imposed upon the board of
directors by this chapter must be exercised or performed to the extent and by the natural
persons provided in the articles, (2) the directors have no duties, liabilities, or responsibilities
as directors under this chapter with respect to or arising from the exercise or performance
of, or from the failure to exercise or perform, the conferred or imposed powers and duties
by the other persons, and (3) the other persons have all of the duties, liabilities, and
responsibilities of directors under this chapter with respect to and arising from the exercise
or performance of, or the failure to exercise or perform, the conferred or imposed powers
and dutiesnew text end . The members of the first board may be named in the articles or elected by the
incorporators pursuant to section 302A.171 or by the shareholders.

Sec. 16.

Minnesota Statutes 2024, section 302A.237, is amended by adding a subdivision
to read:


new text begin Subd. 3. new text end

new text begin Agreements and other instruments; authorization. new text end

new text begin When this chapter requires
the board to approve or to take other action with respect to an agreement, instrument, plan,
or document, the agreement, instrument, plan, or document may be approved by the board
in final form or in substantially final form. If the board acts to approve or take other action
with respect to an agreement, instrument, plan, or document that this chapter requires to be
filed with the secretary of state or referenced in any certificate filed, the board may, at any
time after providing the approval or taking other action and prior to the effectiveness of the
filing with the secretary of state, adopt a resolution ratifying the agreement, instrument,
plan, or document. The ratification under this subdivision is effective as of the time of the
original approval or other action by the board and to satisfy any requirement under this
chapter that the board approve or take other action with respect to the agreement, instrument,
plan, or document in a specific manner or sequence.
 new text end

Sec. 17.

Minnesota Statutes 2024, section 302A.361, is amended to read:


302A.361 STANDARD OF CONDUCT.

new text begin Subdivision 1. new text end

new text begin Standard; liability. new text end

An officer shall discharge the duties of an office in
good faith, in a manner the officer reasonably believes to be in the best interests of the
corporation, and with the care an ordinarily prudent person in a like position would exercise
under similar circumstances. A person who so performs those duties is not liable by reason
of being or having been an officer of the corporation. A person exercising the principal
functions of an office or to whom some or all of the duties and powers of an office are
delegated pursuant to section 302A.351 is deemed an officer for purposes of this section
and sections 302A.467 and 302A.521.

new text begin Subd. 2. new text end

new text begin Liability; elimination or limitation. new text end

new text begin The articles of a corporation may provide
that an officer's personal liability to the shareholders for monetary damages for breach,
during the time the corporation is a publicly held corporation, of fiduciary duty as an officer
may be eliminated or limited. The articles must not eliminate or limit the liability of an
officer:
 new text end

new text begin (1) for any breach of the officer's duty of loyalty to the corporation or the corporation's
shareholders;
 new text end

new text begin (2) for acts or omissions not in good faith or that involve intentional misconduct or a
knowing violation of law;
 new text end

new text begin (3) under section 80A.76;
 new text end

new text begin (4) for any transaction from which the officer derived an improper personal benefit;
 new text end

new text begin (5) in any action by or in the right of the corporation; or
 new text end

new text begin (6) for any act or omission occurring prior to the date when the provision in the articles
eliminating or limiting liability becomes effective.
 new text end

Sec. 18.

Minnesota Statutes 2024, section 302A.461, subdivision 4, is amended to read:


Subd. 4.

Right to inspect.

(a) A shareholder, beneficial owner, or a holder of a voting
trust certificate of a corporation that is not a publicly held corporation has an absolute right,
upon written demand, to examine and copy, in person or by a legal representative, at any
reasonable time, and the corporation shall make available within ten days after receipt by
an officer of the corporation of the written demand:

(1) the share register; and

(2) all documents referred to in subdivision 2.

(b) A shareholder, beneficial owner, or a holder of a voting trust certificate of a
corporation that is not a publicly held corporation has a right, upon written demand, to
examine and copy, in person or by a legal representative, other corporate records at any
reasonable time only if the shareholder, beneficial owner, or holder of a voting trust certificate
demonstrates a proper purpose for the examination.

(c) A shareholder, beneficial owner, or a holder of a voting trust certificate of a publicly
held corporation has, upon written demand stating the purpose and acknowledged or verified
in the manner provided in chapter 358, a right at any reasonable time to examine and copy
the corporation's share register and other corporate records reasonably related to the stated
purpose and described with reasonable particularity in the written demand upon
demonstrating the stated purpose to be a proper purpose. The acknowledged or verified
demand must be directed to the corporation at its registered office in this state or at its
principal place of business.

(d) For purposes of this section, a "proper purpose" is one reasonably related to the
person's interest as a shareholder, beneficial owner, or holder of a voting trust certificate of
the corporation.

new text begin (e) If a corporation or an officer or director of the corporation violates this section, a
court in Minnesota may, in an action brought by a shareholder, beneficial owner, or a holder
of a voting trust certificate of the corporation, specifically enforce this section and award
expenses, including attorney fees and disbursements, to the shareholder, beneficial owner,
or a holder of a voting trust certificate.
 new text end

Sec. 19.

Minnesota Statutes 2024, section 302A.471, subdivision 1, is amended to read:


Subdivision 1.

Actions creating rights.

A shareholder of a corporation may dissent
from, and obtain payment for the fair value of the shareholder's shares in the event of, any
of the following corporate actions:

(a) unless otherwise provided in the articles, an amendment of the articles that materially
and adversely affects the rights or preferences of the shares of the dissenting shareholder
in that it:

(1) alters or abolishes a preferential right of the shares;

(2) creates, alters, or abolishes a right in respect of the redemption of the shares, including
a provision respecting a sinking fund for the redemption or repurchase of the shares;

(3) alters or abolishes a preemptive right of the holder of the shares to acquire shares,
securities other than shares, or rights to purchase shares or securities other than shares;

(4) excludes or limits the right of a shareholder to vote on a matter, or to cumulate votes,
except as the right may be excluded or limited through the authorization or issuance of
securities of an existing or new class or series with similar or different voting rights; except
that an amendment to the articles of an issuing public corporation that provides that section
302A.671 does not apply to a control share acquisition does not give rise to the right to
obtain payment under this section; deleted text begin or
deleted text end

(5) eliminates the right to obtain payment under this subdivision;new text begin or
new text end

new text begin (6) pursuant to section 302A.201, subdivision 1, diminishes or abolishes the board's
right to manage, or to direct the management of, the corporation's business and affairs;
 new text end

(b) a sale, lease, transfer, or other disposition of property and assets of the corporation
that requires shareholder approval under section 302A.661, subdivision 2, but not including
a disposition in dissolution described in section 302A.725, subdivision 2, or a disposition
pursuant to an order of a court, or a disposition for cash on terms requiring that all or
substantially all of the net proceeds of disposition be distributed to the shareholders in
accordance with their respective interests within one year after the date of disposition;

(c) a plan of merger, whether under this chapter or under chapter 322C, to which the
corporation is a constituent organization, except as provided in subdivision 3, and except
for a plan of merger adopted under section 302A.626;

(d) a plan of exchange, whether under this chapter or under chapter 322C, to which the
corporation is a party as the corporation whose shares will be acquired by the acquiring
organization, except as provided in subdivision 3;

(e) a plan of conversion is adopted by the corporation and becomes effective;

(f) an amendment of the articles in connection with a combination of a class or series
under section 302A.402 that reduces the number of shares of the class or series owned by
the shareholder to a fraction of a share if the corporation exercises its right to repurchase
the fractional share so created under section 302A.423; or

(g) any other corporate action taken pursuant to a shareholder vote with respect to which
the articles, the bylaws, or a resolution approved by the board directs that dissenting
shareholders may obtain payment for their shares.

Sec. 20.

Minnesota Statutes 2024, section 302A.471, subdivision 3, is amended to read:


Subd. 3.

Rights not to apply.

(a) Unless the articles, the bylaws, or a resolution approved
by the board otherwise provide, the right to obtain payment under this section does not
apply to a shareholder of (1) the surviving corporation in a merger with respect to shares
of the shareholder that are not entitled to be voted on the merger and are not canceled or
exchanged in the merger or (2) the corporation whose shares will be acquired by the acquiring
organization in a plan of exchange with respect to shares of the shareholder that are not
entitled to be voted on the plan of exchange and are not exchanged in the plan of exchange.

(b) If a date is fixed according to section 302A.445, subdivision 1, for the determination
of shareholders entitled to receive notice of and to vote on an action described in subdivision
1, only shareholders as of the date fixed, and beneficial owners as of the date fixed who
hold through shareholders, as provided in subdivision 2, may exercise dissenters' rights.

(c) Notwithstanding subdivision 1, the right to obtain payment under this section, other
than in connection with a plan of merger adopted under section 302A.613, subdivision 4,
or 302A.621, is limited in accordance with the following provisions:

(1) The right to obtain payment under this section is not available for the holders of
shares of any class or series of shares that is listed on deleted text begin the New York Stock Exchange, NYSE
MKT LLC, the Nasdaq Global Market, the NASDAQ Global Select Market, the Nasdaq
Capital Market, or any successor to any such marketdeleted text end new text begin any national securities exchange
registered with the United States Securities and Exchange Commission under Section 6 of
the Securities Exchange Act of 1934, United States Code, title new text end new text begin 15, section 78a, et seqnew text end .

(2) The applicability of clause (1) is determined as of:

(i) the record date fixed to determine the shareholders entitled to receive notice of, and
to vote at, the meeting of shareholders to act upon the corporate action described in
subdivision 1; or

(ii) the day before the effective date of corporate action described in subdivision 1 if
there is no meeting of shareholders.

(3) Clause (1) is not applicable, and the right to obtain payment under this section is
available pursuant to subdivision 1, for the holders of any class or series of shares who are
required by the terms of the corporate action described in subdivision 1 to accept for such
shares anything other than shares, or cash in lieu of fractional shares, of any class or any
series of shares of a domestic or foreign corporation, or any other ownership interest of any
other organization, that satisfies the standards set forth in clause (1) at the time the corporate
action becomes effective.

Sec. 21.

Minnesota Statutes 2024, section 302A.611, is amended by adding a subdivision
to read:


new text begin Subd. 1a. new text end

new text begin Additional remedies; shareholder representatives. new text end

new text begin A plan of merger or
exchange may provide:
 new text end

new text begin (1) that: (i) a party to the plan that fails to perform the party's obligations under the plan
in accordance with the terms and conditions of the plan, or that otherwise fails to comply
with the terms and conditions of the plan, in each case required to be performed or complied
with prior to the time the merger or exchange becomes effective, or that otherwise fails to
consummate, or fails to cause the consummation of, the merger or exchange, whether prior
to a specified date, upon satisfaction or, to the extent permitted by law, waiver of all
conditions to consummation set forth in the plan or otherwise, is subject, in addition to any
other remedies available at law or in equity, to penalties or consequences set forth in the
plan of merger or exchange, which may include an obligation to pay to the other party or
parties to the plan an amount representing or based on the loss of any premium or other
economic entitlement the shareholders or holders of rights to purchase of the other party
would be entitled to receive pursuant to the terms of the plan if the merger or exchange
were consummated in accordance with the terms of the plan; and (ii) if, pursuant to the
terms of the plan of merger or exchange, the corporation is entitled to receive payment from
another party to the plan of any amount representing a penalty or consequence, the
corporation is entitled to enforce the other party's payment obligation and upon receipt of
a payment is entitled to retain the amount of the payment received; or
 new text end

new text begin (2)(i) for the appointment, at or after the time at which the plan of merger or exchange
is approved by the shareholders of the corporation in accordance with the requirements of
this chapter, of one or more persons, which may include the surviving or resulting
organization or any officer, representative, or agent of the surviving or resulting organization,
as representative of the shareholders or the holders of rights to purchase of the corporation,
including the shareholders and holders whose shares or rights to purchase must be canceled,
converted, or exchanged in the merger or exchange and for the delegation to the person or
persons of the sole and exclusive authority to take action and bring claims on behalf of the
shareholders and the holders pursuant to the plan, including taking actions and bringing
claims, including by entering into settlements, as the representative determines to enforce
the rights of the shareholders and holders under the plan of merger or exchange, on the
terms and subject to the conditions set forth in the plan; (ii) that an appointment is irrevocable
and binding on all shareholders and holders from and after the approval of the plan of merger
or exchange by the requisite vote of shareholders pursuant to this chapter; and (iii) that a
provision adopted pursuant to this clause may not be amended after the merger or exchange
has become effective or may be amended only with the consent or approval of persons
specified in the plan of merger or exchange.
 new text end

ARTICLE 7

GARNISHMENT FORMS

Section 1.

Minnesota Statutes 2024, section 550.136, subdivision 6, is amended to read:


Subd. 6.

Earnings exemption notice.

Before the first levy on earnings under this chapter,
the judgment creditor shall serve upon the judgment debtor no less than ten days before the
service of the writ of execution, a notice that the writ of execution may be served on the
judgment debtor's employer. The notice must: (1) be substantially in the form set forth
below; (2) be served personally, in the manner of a summons and complaint, or by first
class mail to the last known address of the judgment debtor; (3) inform the judgment debtor
that an execution levy may be served on the judgment debtor's employer in ten days, and
that the judgment debtor may, within that time, cause to be served on the judgment creditor
a signed statement under penalties of perjury asserting an entitlement to an exemption from
execution; (4) inform the judgment debtor of the earnings exemptions contained in section
550.37, subdivision 14; and (5) advise the judgment debtor of the relief set forth in this
chapter to which the debtor may be entitled if a judgment creditor in bad faith disregards a
valid claim and the fee, costs, and penalty that may be assessed against a judgment debtor
who in bad faith falsely claims an exemption or in bad faith takes action to frustrate the
execution process. The notice requirement of this subdivision does not apply to a levy on
earnings being retained by an employer pursuant to a garnishment previously served in
compliance with chapter 571.

The ten-day notice informing a judgment debtor that a writ of execution may be used
to levy the earnings of an individual must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Judgment Creditor)
deleted text end
deleted text begin against
 deleted text end 		deleted text begin EXECUTION EXEMPTION
 deleted text end
deleted text begin . (Judgment Debtor)
deleted text end 		deleted text begin NOTICE AND NOTICE OF INTENT TO
 deleted text end
deleted text begin and
 deleted text end 		deleted text begin LEVY ON EARNINGS
 deleted text end
deleted text begin . (Third Party)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Execution Exemption
 new text end
new text begin against
 new text end 		new text begin Notice and Notice of
 new text end
new text begin Debtor's full name
 new text end 		new text begin Intent to Levy on Earnings
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

deleted text begin PLEASE TAKE NOTICE that a levy may be served upon your employer or other third
parties, without any further court proceedings or notice to you, ten days or more from the
date hereof. Your earnings are completely exempt from execution levy if you are now a
recipient of relief based on need, if you have been a recipient of relief within the last six
months, or if you have been an inmate of a correctional institution in the last six months.
 deleted text end

deleted text begin Relief based on need includes Minnesota Family Investment Program (MFIP), Emergency
Assistance (EA), Work First, Medical Assistance (MA), General Assistance (GA), Emergency
General Assistance (EGA), Minnesota Supplemental Aid (MSA), MSA Emergency
Assistance (MSA-EA), Supplemental Security Income (SSI), and Energy Assistance.
 deleted text end

deleted text begin If you wish to claim an exemption, you should fill out the appropriate form below, sign
it, and send it to the judgment creditor's attorney.
 deleted text end

deleted text begin You may wish to contact the attorney for the judgment creditor in order to arrange for
a settlement of the debt or contact an attorney to advise you about exemptions or other
rights.
 deleted text end

new text begin Notice: A levy may be served on your employer or other third parties. A levy means
that part of your earnings can be taken to pay off debts that you owe. This can happen
in 10 days or more after you get this notice. This can happen without any other court action
or notice to you. But some of your money may be protected.
 new text end

new text begin Your earnings cannot be taken if:
 new text end

new text begin (i) you are getting government assistance based on need,
 new text end

new text begin (ii) you got any government assistance based on need in the last 6 months, or
 new text end

new text begin (iii) you were an inmate of a correctional institution in the last 6 months.
 new text end

new text begin These are called exemptions. Your money is NOT protected unless you fill out the
Exemption Claim Notice attached and send it back to the creditor or the creditor's
lawyer. If you are not sure if you have any exemptions, talk to a lawyer.
 new text end

new text begin You can also contact the creditor or their lawyer to talk about a settlement of the debt.
 new text end

new text begin Examples of government assistance based on need:
 new text end

new text begin (i) MFIP - Minnesota Family Investment Program
 new text end

new text begin (ii) DWP - MFIP Diversionary Work Program
 new text end

new text begin (iii) SNAP - Supplemental Nutrition Assistance Program
 new text end

new text begin (iv) GA - General Assistance
 new text end

new text begin (v) EGA - Emergency General Assistance
 new text end

new text begin (vi) MSA - Minnesota Supplemental Aid
 new text end

new text begin (vii) MSA-EA - MSA Emergency Assistance
 new text end

new text begin (viii) EA - Emergency Assistance
 new text end

new text begin (ix) Energy or Fuel Assistance
 new text end

new text begin (x) Work Participation Cash Benefit
 new text end

new text begin (xi) MA - Medical Assistance
 new text end

new text begin (xii) MinnesotaCare
 new text end

new text begin (xiii) Medicare Part B - Premium Payments help
 new text end

new text begin (xiv) Medicare Part D - Extra
 new text end

new text begin (xv) SSI - Supplemental Security Income
 new text end

new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), MN Working family
credit
 new text end

new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit)
 new text end

deleted text begin PENALTIES
 deleted text end

new text begin Warnings and Fines
 new text end

(1) deleted text begin Be advised thatdeleted text end Even if you claim an exemption, deleted text begin an executiondeleted text end new text begin anew text end levy may still be
served on your employer. If deleted text begin your earnings are levied ondeleted text end new text begin they take money from younew text end after
you claim an exemption, you may deleted text begin petitiondeleted text end new text begin asknew text end the court deleted text begin for a determination ofdeleted text end new text begin to reviewnew text end
your exemption. If the court finds that the deleted text begin judgmentdeleted text end creditor deleted text begin disregardeddeleted text end new text begin ignorednew text end your
claim of exemption in bad faith, you deleted text begin will bedeleted text end new text begin arenew text end entitled to costs, reasonable deleted text begin attorneydeleted text end new text begin
lawyernew text end fees, actual damages, and deleted text begin an amount notdeleted text end new text begin a fine upnew text end to deleted text begin exceeddeleted text end $100.new text begin Bad faith is
when someone does something wrong on purpose.
new text end

(2) deleted text begin HOWEVER, BE WARNEDdeleted text end new text begin BUTnew text end if you claim an exemption, the deleted text begin judgmentdeleted text end creditor
can also deleted text begin petitiondeleted text end new text begin asknew text end the court deleted text begin for a determination ofdeleted text end new text begin to reviewnew text end your exemptiondeleted text begin , anddeleted text end new text begin .new text end If
the court finds that you claimed an exemption in bad faith, you deleted text begin will be assesseddeleted text end new text begin are
chargednew text end costs and reasonable deleted text begin attorney'sdeleted text end new text begin lawyernew text end fees deleted text begin plus an amount notdeleted text end new text begin and a fine upnew text end to
deleted text begin exceeddeleted text end $100.

deleted text begin (3) If after receipt of this notice, you in bad faith take action to frustrate the execution
levy, thus requiring the judgment creditor to petition the court to resolve the problem,
you will be liable to the judgment creditor for costs and reasonable attorney's fees plus
an amount not to exceed $100.
 deleted text end

new text begin (3) If you get this notice, then do something in bad faith to try to block or stop the levy
and the creditor has to take you to court because of it, you will have to pay the creditor's
costs, and reasonable lawyer fees, and a fine up to $100.
 new text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin (Attorney for Judgment Creditor)
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone
 deleted text end
new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

deleted text begin JUDGMENTdeleted text end Debtor's Exemption Claim Notice

I deleted text begin herebydeleted text end claim that my earnings are exempt deleted text begin from executiondeleted text end because:new text begin (check all that
apply)
new text end

deleted text begin (1)deleted text end new text begin ...new text end I am deleted text begin presently a recipient of reliefdeleted text end new text begin getting government assistancenew text end based on need.
(deleted text begin Specifydeleted text end new text begin Statenew text end the program, case numbernew text begin if you know itnew text end , and the county deleted text begin from which
relief is being receiveddeleted text end new text begin you got it fromnew text end .)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

deleted text begin (2)deleted text end new text begin ...new text end I am not deleted text begin now receiving reliefdeleted text end new text begin getting assistancenew text end based on neednew text begin right nownew text end , but I
deleted text begin have received reliefdeleted text end new text begin did get government assistancenew text end based on need within the last deleted text begin sixdeleted text end new text begin 6new text end
months. (deleted text begin Specifydeleted text end new text begin Statenew text end the program, case numbernew text begin if you know itnew text end , and the county new text begin you got
it new text end from deleted text begin which relief has been receiveddeleted text end .)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

deleted text begin (3)deleted text end new text begin ...new text end I deleted text begin have beendeleted text end new text begin wasnew text end an inmate of a correctional institution within the last deleted text begin sixdeleted text end new text begin 6new text end months.
(deleted text begin Specifydeleted text end new text begin Statenew text end the correctional institution and location.)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end
Correctional Institution new text begin .
new text end 		Location new text begin .
new text end

deleted text begin I hereby authorize any agency that has distributed relief to me or any correctional
institution in which I was an inmate to disclose to the above-named judgment creditor or
the judgment creditor's attorney only whether or not I am or have been a recipient of relief
based on need or an inmate of a correctional institution within the last six months. I have
mailed or delivered a copy of this form to the judgment creditor or judgment creditor's
attorney.
 deleted text end

deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Debtor
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Debtor Telephone Number
 deleted text end

new text begin I give my permission to any agency listed above to give information about my benefits
to the creditor named above, or to the creditor's lawyer. The information will ONLY be if
I get assistance, or if I have gotten assistance in the past 6 months. If I was an inmate in the
last 6 months, I give my permission to the correctional institution to tell the creditor named
above or the creditor's lawyer that I was an inmate there.
 new text end

new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 2.

Minnesota Statutes 2024, section 550.136, subdivision 9, is amended to read:


Subd. 9.

Execution earnings disclosure form and worksheet.

The judgment creditor
shall provide to the sheriff for service upon the judgment debtor's employer an execution
earnings disclosure form and an earnings disclosure worksheet with the writ of execution,
that must be substantially in the form set forth below.

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin FILE NO. .
deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Creditor)
 deleted text end
deleted text begin against
 deleted text end 		deleted text begin EARNINGS
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Debtor)
 deleted text end 		deleted text begin EXECUTION
 deleted text end
deleted text begin and
 deleted text end 		deleted text begin DISCLOSURE
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Third Party)
 deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Earnings Execution Disclosure
 new text end
new text begin and
 new text end 		new text begin For Non-Child Support Judgments
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin This form is called an "Earnings Execution Disclosure" or "Disclosure." It is for the
employer to fill out. The "debtor" is the person who owes money. The debtor gets a copy
of this form for their own information.
 new text end

new text begin The employer is also called the "third party garnishee" or "third party." The debtor is
also called a "judgment debtor." If the debtor asks how the calculations in this document
were made, the employer must provide information about it.
 new text end

DEFINITIONS

deleted text begin "EARNINGS": For the purpose of execution, "earnings" means compensation paid or
payable to an employee for personal services or compensation paid or payable to the producer
for the sale of agricultural products; milk or milk products; or fruit or other horticultural
products produced when the producer is operating a family farm, a family farm corporation,
or an authorized farm corporation, as defined in section 500.24, subdivision 2, whether
denominated as wages, salary, commission, bonus, or otherwise, and includes periodic
payments pursuant to a pension or retirement.
 deleted text end

deleted text begin "DISPOSABLE EARNINGS": Means that part of the earnings of an individual remaining
after the deduction from those earnings of amounts required by law to be withheld. (Amounts
required by law to be withheld do not include items such as health insurance, charitable
contributions, or other voluntary wage deductions.)
 deleted text end

new text begin "Earnings": what is paid or payable to an employee, independent contractor, or
self-employed person for personal services (a job). Also called compensation. Compensation
can be wages, salary, commission, bonuses, payments, profit-sharing distributions, severance
payment, fees, or other. It includes periodic payments from a pension or retirement. It can
also be compensation paid or payable to a producer for the sale of agricultural products.
This can be things like milk or milk products, or fruit or other horticultural products. Or
things produced in the operation of a family farm, a family farm corporation, or an authorized
farm corporation. This is defined in Minnesota Statutes, section 500.24, subdivision 2.
 new text end

new text begin "Disposable Earnings": the part of a person's earnings that are left after subtracting
the amounts required by law to be withheld. Note: Amounts required by law to be withheld
do not include things like health insurance, charitable contributions, or other voluntary wage
deductions.
 new text end

"Payday": deleted text begin For the purpose of execution, "payday(s)" means the date(s) upon whichdeleted text end new text begin
the date whennew text end the employer pays earnings to the debtor deleted text begin in the ordinary course of businessdeleted text end new text begin
for doing their jobnew text end . If the deleted text begin judgmentdeleted text end debtor has no regular payday, deleted text begin payday(s)deleted text end new text begin then "payday"new text end
means the 15th and the last day of each month.

The Third Party/Employer Must Answer The Following Questions:

(1) new text begin Right now, new text end do you deleted text begin nowdeleted text end owedeleted text begin , or within 90 days from the date the execution levy was
served on you, will you or may you owedeleted text end money to the deleted text begin judgmentdeleted text end debtor for earnings?

Yes .....
 No .....

deleted text begin (2) Does the judgment debtor earn more than $... per week? (this amount is the greater
of $9.50 per hour or the federal minimum wage per week)
 deleted text end

new text begin (2) Within 90 days from the date you were served with the levy, will you or may you
owe money to the debtor for earnings?
 new text end

Yes .....
 No .....

new text begin (3) Does the debtor earn more than the current Minnesota or federal minimum wage per
week? (use the number that is more)
 new text end

new text begin Yes .....
 new text end 		new text begin No .....
 new text end

new text begin A. If you answer "No" to question 1, 2, or 3, you don't need to answer the rest of the
questions. You don't have to do the Earnings Disclosure Worksheet. Sign the Earnings
Disclosure Affirmation below and return this disclosure form to the sheriff. You must return
it within 20 days after it was served on you.
 new text end

new text begin B. If you answer "Yes" to question 1 or 2, and "Yes" to question 3, sign the Earnings
Disclosure Affirmation below. You must return it to the sheriff within 20 days. You must
also fill out the rest of this form. Read the instructions for the Earnings Disclosure Worksheet.
 new text end

new text begin Earnings Disclosure Affirmation
 new text end

new text begin I, ................... (person signing Affirmation), am the third party/employer or I am
authorized by the third party/employer to complete this earnings disclosure and have done
so truthfully and to the best of my knowledge.
 new text end

new text begin Date: .
new text end
new text begin Third Party's Name: .
new text end
new text begin Third Party's Signature: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Instructions for Completing the Earnings Disclosure new text begin Worksheet
new text end

deleted text begin A. If your answer to either question 1 or 2 is "No," then you must sign the affirmation
below and return this disclosure to the sheriff within 20 days after it was served on you,
and you do not need to answer the remaining questions.
 deleted text end

deleted text begin B. If your answers to both questions 1 and 2 are "Yes," you must complete this form
and the Earnings Disclosure Worksheet as follows:
 deleted text end

For each payday that falls within 90 days from the date the deleted text begin executiondeleted text end levy was served
on you, you must calculate the amount of earnings to be deleted text begin retained by completing steps
3 through 11 on page 2, and enter the amounts on the Earnings Disclosure Worksheet.
UPON REQUEST, THE EMPLOYER MUST PROVIDE THE DEBTOR WITH
INFORMATION AS TO HOW THE CALCULATIONS REQUIRED BY THIS
DISCLOSURE WERE MADEdeleted text end new text begin withheldnew text end .new text begin Enter the amounts on the Earnings Disclosure
Worksheet.
new text end

new text begin You must:
 new text end

new text begin (1) Withhold the amount of earnings listed in Column I on the Earnings Disclosure
Worksheet each payday.
 new text end

new text begin (2) After 90 days, return this Earnings Disclosure Worksheet to the sheriff. Include all
the money withheld. Sign the Affirmation at the end of the worksheet before returning.
 new text end

new text begin (3) Deliver a copy of the disclosure and worksheet to the debtor within 10 days after the
last payday that falls within the 90-day period.
 new text end

new text begin If the debt (judgment) is fully paid off or if the debtor's job ends before the 90-day period
is over, you need to do the last disclosure and withholdings within 10 days of their last
payday that you withheld money.
 new text end

deleted text begin Each payday, you must retain the amount of earnings listed in column I on the Earnings
Disclosure Worksheet.
 deleted text end

deleted text begin You must pay the attached earnings and return this earnings disclosure form and the
Earnings Disclosure Worksheet to the sheriff and deliver a copy of the disclosure and
worksheet to the judgment debtor within ten days after the last payday that falls within
the 90-day period. If the judgment is wholly satisfied or if the judgment debtor's
employment ends before the expiration of the 90-day period, your disclosure and
remittance should be made within ten days after the last payday for which earnings were
attached.
 deleted text end

deleted text begin For steps 3 through 11, "columns" refers to columns on the Earnings Disclosure
Worksheet.
 deleted text end

deleted text begin (3)
 deleted text end 		deleted text begin COLUMN A.
 deleted text end 		deleted text begin Enter the date of judgment debtor's payday.
 deleted text end
deleted text begin (4)
 deleted text end 		deleted text begin COLUMN B.
 deleted text end 		deleted text begin Enter judgment debtor's gross earnings for each payday.
 deleted text end
deleted text begin (5)
 deleted text end 		deleted text begin COLUMN C.
 deleted text end 		deleted text begin Enter judgment debtor's disposable earnings for each
payday.
 deleted text end
deleted text begin (6)
 deleted text end 		deleted text begin COLUMN D.
 deleted text end 		deleted text begin Enter 25 percent of disposable earnings. (Multiply
column C by .25.)
 deleted text end
deleted text begin (7)
 deleted text end 		deleted text begin COLUMN E.
 deleted text end 		deleted text begin Enter here the greater of 40 times $9.50 or 40 times the
hourly federal minimum wage ($..........) times the
number of work weeks included in each payday. (Note:
If a payday includes days in excess of whole work
weeks, the additional days should be counted as a
fraction of a work week equal to the number of
workdays in excess of a whole work week divided by
the number of workdays in a normal work week.)
 deleted text end
deleted text begin (8)
 deleted text end 		deleted text begin COLUMN F.
 deleted text end 		deleted text begin Subtract the amount in column E from the amount in
column C, and enter here.
 deleted text end
deleted text begin (9)
 deleted text end 		deleted text begin COLUMN G.
 deleted text end 		deleted text begin Enter here the lesser of the amount in column D and the
amount in column F.
 deleted text end
deleted text begin (10)
 deleted text end 		deleted text begin COLUMN H.
 deleted text end 		deleted text begin Enter here any amount claimed by you as a setoff,
defense, lien, or claim, or any amount claimed by any
other person as an exemption or adverse interest which
would reduce the amount of earnings owing to the
judgment debtor. (Note: Any indebtedness to you
incurred within ten days prior to your receipt of the first
execution levy on a debt may not be set off against the
earnings otherwise subject to this levy. Any wage
assignment made by the judgment debtor within ten
days prior to your receipt of the first execution levy on
a debt is void.)
 deleted text end
deleted text begin You must also describe your claim(s) and the claims of
others, if known, in the space provided below the
worksheet and state the name(s) and address(es) of these
persons.
 deleted text end
deleted text begin Enter zero in column H if there are no claims by you or
others which would reduce the amount of earnings
owing to the judgment debtor.
 deleted text end
deleted text begin (11)
 deleted text end 		deleted text begin COLUMN I.
 deleted text end 		deleted text begin Subtract the amount in column H from the amount in
column G and enter here. This is the amount of earnings
that you must remit for the payday for which the
calculations were made.
 deleted text end

deleted text begin AFFIRMATION
 deleted text end

deleted text begin I, ................... (person signing Affirmation), am the third party/employer or I am
authorized by the third party/employer to complete this earnings disclosure, and have done
so truthfully and to the best of my knowledge.
 deleted text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone Number
 deleted text end
deleted text begin EARNINGS DISCLOSURE WORKSHEET
 deleted text end 		deleted text begin .
deleted text end
deleted text begin Debtor's Name
 deleted text end

new text begin Calculating Percentage of Disposable Earnings
 new text end

new text begin Note to Creditor: You must fill out this chart before sending this form to the employer.
Use the current minimum wage found online at: https://www.dli.mn.gov/minwage.
 new text end

new text begin Minimum Wage = $MW/hour.
 new text end

new text begin if the weekly gross earnings are:
 new text end 		new text begin then this percentage of the disposable
earnings are withheld:
 new text end
new text begin Less than [40 X MW]
 new text end 		new text begin 0%
 new text end
new text begin [40 X MW + .01] to [60 X MW]
 new text end 		new text begin 10%
 new text end
new text begin [60 X MW + .01] to [80 X MW]
 new text end 		new text begin 15%
 new text end
new text begin [80 x MW + .01] or more
 new text end 		new text begin 25%
 new text end

new text begin Employer: Use this creditor's calculation chart to know what percentage of earnings
should be withheld.
 new text end

new text begin Earnings Disclosure Worksheet
 new text end

new text begin .
new text end
new text begin Debtor's name
 new text end
A new text begin - new text end Payday Date
 B new text begin - new text end Gross
Earnings
 C new text begin - new text end Disposable
Earnings
1.
 .
$ .
$ .
2.
 .
.
.
3.
 .
.
.
4.
 .
.
.
5.
 .
.
.
6.
 .
.
.
7.
 .
.
.
deleted text begin 8.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin Column A. Enter the debtor's payday.
 new text end

new text begin Column B. Enter the debtor's gross earnings for each payday.
 new text end

new text begin Column C. Enter the debtor's disposable earnings for each payday.
 new text end

D deleted text begin 25deleted text end new text begin - new text end % of
new text begin withholding of
new text end Column Cnew text begin (Use the
creditor's calculation)
new text end 		E new text begin - new text end Greater of deleted text begin 40
X $9.50 ordeleted text end 40 Xnew text begin
MN ornew text end Fed.
Min. Wage
 F new text begin - new text end Column C
minus Column E
1.
 .
.
.
2.
 .
.
.
3.
 .
.
.
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.
.
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7.
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deleted text begin 8.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin Column D. Enter the percentage of disposable earnings that will be withheld. Get this
number from the creditor's calculation chart.
 new text end

new text begin Column E. Calculate 40 times the current MN minimum wage (or 40 times the current
federal minimum wage) times the number of work weeks in each payday. Enter the bigger
number here. Note: If a payday has extra days that are more than a full work week, count
those extra days as part of a work week. Do this by dividing the number of extra workdays
by the number of workdays in a normal week.
 new text end

new text begin Column F. Subtract the amount in Column E from the amount in Column C and enter
here.
 new text end

G new text begin - new text end Lesser of
Column D and
Column F
 H new text begin - new text end Setoff, Lien,
Adverse
Interest, or
Other Claims
 I new text begin - new text end Column G
minus Column
H
1.
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.
.
2.
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.
.
3.
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4.
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5.
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.
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6.
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7.
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.
.
deleted text begin 8.
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
TOTAL OF COLUMN I
 $ .

new text begin Column G. Look at Column D and Column F. Enter the smaller amount of the two here
in Column G.
 new text end

new text begin Column H. Enter any amount claimed by you that would lower the amount of earnings
that will go to the debtor. Things like:
 new text end

new text begin (i) a setoff,
 new text end

new text begin (ii) a defense,
 new text end

new text begin (iii) a lien,
 new text end

new text begin (iv) a claim, or
 new text end

new text begin (v) any amount claimed by any other person as an exemption or adverse interest.
 new text end

new text begin Note: You must describe your claim(s) and the claims of others, if known, in the spaces
after this worksheet.
 new text end

new text begin Enter zero in Column H if there are no claims by you or others which would lower the
amount of earnings owed to the debtor.
 new text end

new text begin Note: Any debt that happened within 10 days before you got the first levy on a debt
may not be set off against the earnings that are affected by this levy. Any wage assignment
made by the debtor within 10 days before you got the first levy on a debt is void. Wage
assignment is when a debtor voluntarily agrees to money being taken out of their earnings.
 new text end

new text begin Column I. Subtract the amount in Column H from the amount in Column G and enter
here. This is the amount of earnings that go to the creditor.
 new text end

deleted text begin *deleted text end If you entered any amount in Column H for any deleted text begin payday(s)deleted text end new text begin paydaynew text end , deleted text begin you mustdeleted text end describe
new text begin those claims new text end below deleted text begin either your claims, or the claims of othersdeleted text end . new text begin It doesn't matter if they are
your claims, or the claims of others. new text end For deleted text begin amounts claimeddeleted text end new text begin claimsnew text end by others, deleted text begin you must both
statedeleted text end new text begin listnew text end the names and addresses of deleted text begin such personsdeleted text end new text begin eachnew text end , and deleted text begin the nature ofdeleted text end new text begin describenew text end their
deleted text begin claimdeleted text end new text begin claimsnew text end , if deleted text begin knowndeleted text end new text begin you knownew text end .

.

.

.

.

new text begin Earnings Worksheet new text end Affirmation

I, ................. (person signing Affirmation), am the third deleted text begin partydeleted text end new text begin party/employernew text end or I am
authorized by the third deleted text begin partydeleted text end new text begin party/employernew text end to complete this earnings disclosure deleted text begin worksheet,deleted text end
and have done so truthfully and to the best of my knowledge.

deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin (...) .
deleted text end
deleted text begin Title
 deleted text end 		deleted text begin Phone Number
 deleted text end
new text begin Date: .
new text end
new text begin Third Party's Name: .
new text end
new text begin Third Party's Signature: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Sec. 3.

Minnesota Statutes 2024, section 550.143, subdivision 2, is amended to read:


Subd. 2.

Disclosure form.

Along with the writ of execution, the notice, instructions,
and the exemption notice described in subdivision 3, the sheriff shall serve upon the financial
institution an execution disclosure form which must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Judgment Creditor)
deleted text end
deleted text begin against
 deleted text end 		deleted text begin FINANCIAL INSTITUTIONS
 deleted text end
deleted text begin . (Judgment Debtor)
deleted text end 		deleted text begin EXECUTION
 deleted text end
deleted text begin and
 deleted text end 		deleted text begin DISCLOSURE
 deleted text end
deleted text begin . (Third Party)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Execution Disclosure
 new text end
new text begin against
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin This form is called a "Non-Earnings Disclosure" or "Disclosure." It is being sent to you
because you might be holding property that belongs to the debtor, or you might owe money
to the debtor.
 new text end

new text begin You are the "third party" or "garnishee." The "debtor" is the person who owes money.
The debtor is also called the "judgment debtor." The creditor is the person the debtor owes
money to. The creditor is also called the "judgment creditor." The debtor owes
$....................... to the creditor.
 new text end

new text begin You must list any money or property you owe the debtor on the lines below and sign
the affirmation. Write "none" on the line if that is your answer. You must then return this
disclosure to the creditor (or the creditor's lawyer) within 20 days after you got it.
 new text end

deleted text begin On the ..... day of ............., ......., the time of service of execution herein, there was due
and owing the judgment debtor from the third party the following:
 deleted text end

new text begin Fill in the date you got this disclosure:
 new text end

new text begin ..................... (month) ..................... (day), .......................... (year)
 new text end

new text begin On the date you got this disclosure, you owed the debtor:
 new text end

(1) Money. deleted text begin Enter on the line below any amounts due and owing the judgment debtor,
except earnings, from the third party.deleted text end new text begin Write down the amount of money you owe the debtor
(except earnings).
new text end

.

new text begin (2) Property. Write a short description of any personal property, instruments, or papers
belonging to the debtor that you have in your possession. List the monetary value of each
thing.
 new text end

new text begin .
new text end

deleted text begin (2)deleted text end new text begin (3)new text end Setoff. deleted text begin Enter on the line below the amount of any setoff, defense, lien, or claim
which the third party claims against the amount set forth on line (1). State the facts by which
such setoff, defense, lien, or claim is claimed. (Any indebtedness to a third party incurred
by the judgment debtor within ten days prior to the receipt of the first execution levy on a
debt is void as to the judgment creditor.)deleted text end new text begin If you claim a setoff, defense, lien, or claim against
the amount on lines (1) and (2) above, enter that amount on the line below. State the facts
about your claim. Note: Any payment the debtor makes to the garnishee within the 10 days
before they get the first garnishment order on that debt can't be used to lower the amount
that is being garnished.
new text end

.

deleted text begin (3)deleted text end new text begin (4)new text end Exemption. Enter new text begin any amounts or property that the debtor claims is exempt new text end on
the line below deleted text begin any amounts or property claimed by the judgment debtor to be exempt from
executiondeleted text end .

.

deleted text begin (4)deleted text end new text begin (5)new text end Adverse Interest. Enter on the line below any amounts deleted text begin claimed by other persons
by reason of ownership or interest in the judgmentdeleted text end new text begin of thenew text end debtor's propertynew text begin that other people
claim they own or have interest innew text end .

.

deleted text begin (5)deleted text end new text begin (6)new text end Enter deleted text begin on the line belowdeleted text end the total of lines deleted text begin (2), (3), and (4)deleted text end new text begin (3), (4), and (5) on the
line belownew text end .

.

deleted text begin (6)deleted text end new text begin (7)new text end Enter deleted text begin on the line belowdeleted text end the difference obtained (never less than zero) when line
deleted text begin (5)deleted text end new text begin (6)new text end is subtracted from the deleted text begin amount on linedeleted text end new text begin sum of linesnew text end (1)new text begin and (2) on the line belownew text end .

.

deleted text begin (7) Enter on the line belowdeleted text end new text begin (8) Figure outnew text end 110 percent of the amount of the deleted text begin judgmentdeleted text end
creditor's claim which deleted text begin remainsdeleted text end new text begin is stillnew text end unpaid.new text begin Enter it on the line below.
new text end

.

deleted text begin (8) Enter on the line below the lesser of line (6) and line (7). You are hereby instructed
to remit this amount only if it is $10 or more.
 deleted text end

new text begin (9) Look at (7) and (8). Put the smaller number on the line below. Hold this amount only
if it is $10 or more.
 new text end

.

AFFIRMATION

I, ....................... (person signing Affirmation), am the deleted text begin third partydeleted text end new text begin garnisheenew text end or I am
authorized by the deleted text begin third partydeleted text end new text begin garnisheenew text end to complete this deleted text begin nonearningsdeleted text end new text begin non-earnings
garnishmentnew text end disclosure, and have done so truthfully and to the best of my knowledge.

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone Number
 deleted text end
new text begin Date: .
new text end
new text begin Name: .
new text end
new text begin Signature: .
new text end
new text begin Title: .
new text end
new text begin Phone: .
new text end 		new text begin Email: .
new text end

Sec. 4.

Minnesota Statutes 2024, section 550.143, subdivision 3a, is amended to read:


Subd. 3a.

Form of notice.

The notice required by subdivision 3 must be provided as a
separate form and must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end
deleted text begin . (Financial institution)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Notice of Levied Funds
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

IMPORTANT NOTICE

deleted text begin YOUR FUNDS HAVE BEEN LEVIED deleted text end new text begin
Money in Your Account Has Been Frozen
 new text end

The creditor has frozen money in your account at your deleted text begin financial institutiondeleted text end new text begin banknew text end .

Your account balance is $.......

The amount being held is $.......

The amount being held deleted text begin will bedeleted text end new text begin isnew text end frozen for 14 days from the date of this notice.

Some of your money in your account may be protected (the legal word is exempt).
You may be able to get it sooner than 14 days if you act quickly and follow the
instructions on the next page.

The attached exemption form lists some different deleted text begin sources ofdeleted text end new text begin waysnew text end money in your account
deleted text begin thatdeleted text end may be protected. If your money deleted text begin isdeleted text end new text begin comesnew text end from deleted text begin one or more of these sourcesdeleted text end new text begin a benefit
on this listnew text end , deleted text begin placedeleted text end new text begin putnew text end a check deleted text begin on the line on the form next to the sources of your moneydeleted text end new text begin in
the box next to itnew text end . deleted text begin If it is from one of these sources,deleted text end The creditor deleted text begin cannotdeleted text end new text begin can'tnew text end take it.

BUT,new text begin if you want the bank to unfreeze your money,new text end you must follow the instructions
and return the exemption form deleted text begin anddeleted text end new text begin withnew text end copies of your bank statements from the last
60 days deleted text begin to have the bank unfreeze your moneydeleted text end .new text begin Instructions and the form are attached.new text end If
you deleted text begin do notdeleted text end new text begin don'tnew text end follow the instructions, your deleted text begin financial institution will givedeleted text end new text begin bank givesnew text end the
money to deleted text begin the Sheriffdeleted text end new text begin your creditornew text end . new text begin If your creditor gets an order from the court or writ of
execution, your bank gives the money to them. new text end If that happens and deleted text begin itdeleted text end new text begin your moneynew text end is protected,
you can still get it back from the creditor laterdeleted text begin , but that is not as easy to do as filling in the
form nowdeleted text end .new text begin But filling out the form now is easiest.
new text end

deleted text begin See next pages for instructions and the exemption form.
 deleted text end

new text begin See the attached Exemption Form Instructions and Exemption Form for your next steps.
 new text end

Sec. 5.

Minnesota Statutes 2024, section 550.143, subdivision 3b, is amended to read:


Subd. 3b.

Form of instructions.

The instructions required by this section must be in a
separate form and must be substantially in the following form:

new text begin Exemption Form new text end Instructions

Note: The creditor is who you owe the money to. You are the debtor.

1. Fill out both of the attached exemption forms in this packet.

If you check one of the lines, you should also give proofnew text begin . Use proofnew text end that deleted text begin showsdeleted text end new text begin shownew text end
that some or all of the money in your account is from one or more of the protected sources.new text begin
This might be letters or account statements.new text end Creditors may ask for a hearing if they question
your exemptions.

To avoid a hearing:

new text begin (i) new text end Case numbers should be added to the form.

new text begin (ii) new text end Copies of documents should be sent with the form.

Notice: You must send deleted text begin to the creditor's attorney (or to the creditor, if no attorney)deleted text end copies
of your bank statements for the past 60 days before the deleted text begin levydeleted text end new text begin garnishmentnew text end . new text begin Send them to the
creditor's lawyer (or to the creditor, if there isn't a lawyer). new text end Keep a copy of your bank
statements in case there are questions about your claim. If you deleted text begin do notdeleted text end new text begin don'tnew text end send new text begin bank
statements new text end to the creditor's deleted text begin attorneydeleted text end new text begin lawyernew text end (or to the creditordeleted text begin , if no attorneydeleted text end ) deleted text begin bank statementsdeleted text end new text begin
alongnew text end with your exemption claim, the financial institution may deleted text begin releasedeleted text end new text begin givenew text end your money to
the deleted text begin Sheriffdeleted text end new text begin creditornew text end .new text begin They would do this once the creditor gives them a court order saying
they have to turn over the funds.
new text end

2. Sign the exemption forms. Make deleted text begin onedeleted text end new text begin anew text end copy to keep for yourself.

3. Mail or deliver the other copies of the form by (insert date).

Both Copies Must Be Mailed or Delivered the Same Day.

One copy of the form and the copies of your bank statements go to:

deleted text begin .
deleted text end

deleted text begin (Insert name of creditor or creditor's attorney)
 deleted text end

deleted text begin .
deleted text end

deleted text begin (Insert address of creditor or creditor's attorney)
 deleted text end

deleted text begin One copy goes to:
 deleted text end

deleted text begin .
deleted text end

deleted text begin (Insert name of bank)
 deleted text end

deleted text begin .
deleted text end

deleted text begin (Insert address of bank)
 deleted text end

new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

new text begin One copy goes to:
 new text end

new text begin Bank's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

How The Process Works

If You deleted text begin Do Notdeleted text end new text begin Don'tnew text end Send in the Exemption Form and Bank Statements:

14 days after the date of this letter some or all of your money may be turned over to the
creditor deleted text begin or to the sheriffdeleted text end .new text begin This happens once they get an order from the court telling the bank
to do this.
new text end

If Younew text begin Donew text end Send in the Exemption Form and Bank Statements:

Any money that is NOT protected can be turned over to the deleted text begin sheriffdeleted text end new text begin creditor once they
get an order from the courtnew text end .

If the Creditor Does Not Objectnew text begin to Your Claimed Exemptionsnew text end :

The deleted text begin financial institution willdeleted text end new text begin bank shouldnew text end unfreeze your money deleted text begin sixdeleted text end new text begin 6new text end business days after
deleted text begin the institution getsdeleted text end new text begin they getnew text end your completed form.new text begin If they don't, ask the creditor or the
creditor's lawyer to send a release letter to the bank.
new text end

If the Creditor Objectsnew text begin to Your Claimed Exemptionsnew text end :

The money you deleted text begin havedeleted text end said is protected on the form deleted text begin will bedeleted text end new text begin isnew text end held by the bank. The
creditor has deleted text begin sixdeleted text end new text begin 6new text end business days to object (disagree) and ask the court to hold a hearing. You
deleted text begin will receivedeleted text end new text begin getnew text end a Notice of Objection and a Notice of Hearing.

The deleted text begin financial institution will holddeleted text end new text begin bank holdsnew text end the money until a court decides deleted text begin whetherdeleted text end new text begin
ifnew text end your money is protected or not. Some reasons a creditor may object are because you deleted text begin did
notdeleted text end new text begin didn'tnew text end send copies of your bank statements or other proof of the benefits you deleted text begin receiveddeleted text end new text begin
gotnew text end . Be sure to include these when you send your exemption form.

You may want to talk to a lawyer for advice about this process. If you are low income
you can call Legal Aidnew text begin statewide at 1(877) 696-6529new text end .

deleted text begin PENALTIES:
 deleted text end

new text begin Warnings and Fines
 new text end

If you claim that your money is protected and a court decides you made that claim in
bad faith, deleted text begin the courtdeleted text end new text begin theynew text end can order you to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees,
and deleted text begin an additional amount ofdeleted text end new text begin a finenew text end up to $100. new text begin Bad faith is when someone does something
wrong on purpose. new text end For example, it may be bad faith if you claim you deleted text begin receivedeleted text end new text begin getnew text end government
benefits deleted text begin thatdeleted text end new text begin andnew text end you deleted text begin do not receivedeleted text end new text begin don'tnew text end .

If the creditor made a bad faith objection to your claim that your money is protected,
the court can order them to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees, and deleted text begin an additional
amount ofdeleted text end new text begin a finenew text end up to $100.

Sec. 6.

Minnesota Statutes 2024, section 550.143, subdivision 3c, is amended to read:


Subd. 3c.

Form of exemption form.

The exemption form required by this subdivision
must be sent as a separate form and must be in substantially the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end
deleted text begin . (Financial institution)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Exemption Form
 new text end
new text begin against
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Bank's name
 new text end
new text begin .
new text end

deleted text begin EXEMPTION FORM
 deleted text end

A.
 		How Much Money is Protectednew text begin (Exempt)
new text end
.
I claim ALL of the money being frozen by the bank is protected.
.
I claim SOME of the money is protected. The amount I claim is protected is $.......
B.
 		Why The Money is Protected
My money is protected because I get it from one or more of the following places:
(Check all that apply)
new text begin Earnings (Wages)
 new text end
new text begin ALL or SOME of my wages may be protected.
 new text end
new text begin .
new text end 		new text begin Some of my wages are protected because they were only deposited in my account
in the last 20 days.
 new text end
new text begin For wages that were deposited in your account within the last 20 days, the amount
protected is whichever is more:
 new text end
new text begin (i) 75% or more of your wages (after taxes are taken out), or
 new text end
new text begin (ii) The current minimum wage times 40 per week. You can find the current minimum
wage here: https://www.dli.mn.gov/minwage.
 new text end
new text begin All of my wages are protected because:
 new text end
new text begin .
new text end 		new text begin I get government benefits (a list of government benefits is on the next page)
 new text end
new text begin .
new text end 		new text begin I am getting other assistance based on need
 new text end
new text begin .
new text end 		new text begin I have gotten government benefits in the last 6 months
 new text end
new text begin .
new text end 		new text begin I was in jail or prison in the last 6 months
 new text end
new text begin If you check one of these 4 boxes, your wages are only protected for 60 days after
they are deposited in your account. You MUST send the creditor copies of bank
statements that show what was in your account for the 60 days right before the
bank froze your money.
 new text end
deleted text begin .
deleted text end 		Government benefits
Government benefits deleted text begin include, but are not limited to, the followingdeleted text end new text begin can include many
things. For examplenew text end :
deleted text begin MFIP deleted text end deleted text begin - Minnesota Family Investment Program,
 deleted text end
deleted text begin MFIP Diversionary Work Program,
 deleted text end
deleted text begin Work participation cash benefit,
 deleted text end
deleted text begin GA deleted text end deleted text begin - General Assistance,
 deleted text end
deleted text begin EA deleted text end deleted text begin - emergency assistance,
 deleted text end
deleted text begin MA deleted text end deleted text begin - medical assistance,
 deleted text end
deleted text begin EGA deleted text end deleted text begin - emergency general assistance,
 deleted text end
deleted text begin MSA deleted text end deleted text begin - Minnesota Supplemental Aid,
 deleted text end
deleted text begin MSA-EA deleted text end deleted text begin - MSA Emergency Assistance,
 deleted text end
deleted text begin Supplemental Nutrition Assistance Program (SNAP),
 deleted text end
deleted text begin SSI - Supplemental Security Income,
 deleted text end
deleted text begin MinnesotaCare,
 deleted text end
deleted text begin Medicare Part B premium payments,
 deleted text end
deleted text begin Medicare Part D extra help,
 deleted text end
deleted text begin Energy or fuel assistance.
 deleted text end
new text begin (i) MFIP - Minnesota Family Investment Program
 new text end
new text begin (ii) DWP - MFIP Diversionary Work Program
 new text end
new text begin (iii) SNAP - Supplemental Nutrition Assistance Program
 new text end
new text begin (iv) GA - General Assistance
 new text end
new text begin (v) EGA - Emergency General Assistance
 new text end
new text begin (vi) MSA - Minnesota Supplemental Aid
 new text end
new text begin (vii) MSA-EA - MSA Emergency Assistance
 new text end
new text begin (viii) EA - Emergency Assistance
 new text end
new text begin (ix) Energy or Fuel Assistance
 new text end
new text begin (x) Work Participation Cash Benefit
 new text end
new text begin (xi) MA - Medical Assistance
 new text end
new text begin (xii) MinnesotaCare
 new text end
new text begin (xiii) Medicare Part B - Premium Payments help
 new text end
new text begin (xiv) Medicare Part D - Extra
 new text end
new text begin (xv) SSI - Supplemental Security Income
 new text end
new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), MN Working family
credit
 new text end
new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit)
 new text end
deleted text begin LIST SOURCE(S) OF FUNDING IN YOUR ACCOUNT
 deleted text end
deleted text begin .
deleted text end
List the case number and countynew text begin for every box you checked:
new text end
Case Number: . new text begin County: .
new text end
new text begin Case Number: . County: .
new text end
new text begin Case Number: . County: .
new text end
deleted text begin County: .
deleted text end
Government benefits also include:
.
Social Security benefits
.
Unemployment benefits
.
Workers' compensation
.
deleted text begin Veteransdeleted text end new text begin Veterans'new text end benefits
If you deleted text begin receivedeleted text end new text begin getnew text end any of these government benefits, include copies of any documents
deleted text begin you havedeleted text end that show you deleted text begin receive Social Security, unemployment, workers'
compensation, or veterans benefitsdeleted text end new text begin get themnew text end .
deleted text begin .
deleted text end 		deleted text begin Other assistance based on need
 deleted text end
new text begin .
new text end 		new text begin I get other assistance based on need that is not on the list. It comes from: .
new text end
new text begin .
new text end
new text begin Make sure you include copies of any documents that show this.
 new text end

deleted text begin You may have assistance based on need from another source that is not on the list. If you
do, check this box, and fill in the source of your money on the line below:
 deleted text end

deleted text begin Source: .
deleted text end

deleted text begin Include copies of any documents you have that show the source of this money.
 deleted text end

deleted text begin EARNINGS
 deleted text end
deleted text begin ALL or SOME of your earnings (wages) may also be protected.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin All of your earnings (wages) are protected if:
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You get government benefits (see list of government benefits)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You currently receive other assistance based on need
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You have received government benefits in the last six months
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You were in jail or prison in the last six months
 deleted text end
deleted text begin If you check one of these lines, your wages are only protected for 60 days after
they are deposited in your account so you MUST send the creditor a copy of
BANK STATEMENTS that show what was in your account for the 60 days right
before the bank froze your money.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Some of your earnings (wages) are protected.
 deleted text end
deleted text begin If all of your earnings are not exempt, then some of your earnings are still protected
for 20 days after they were deposited in your account. The amount protected is the
larger amount of:
 deleted text end
deleted text begin 75 percent of your wages (after taxes are taken out); or
 deleted text end
deleted text begin (insert the sum of the current federal minimum wage) multiplied by 40.
 deleted text end
new text begin C.
 new text end 		Other deleted text begin Exemptdeleted text end new text begin Protectednew text end Funds
The money from deleted text begin the followingdeleted text end new text begin these thingsnew text end are also completely protected after they
are deposited in deleted text begin yourdeleted text end new text begin mynew text end account.
new text begin .
new text end 		new text begin Child support
 new text end
.
deleted text begin An accident, disability, or retirementdeleted text end new text begin A retirement, disability, or accident new text end pension
or annuity
new text begin .
new text end 		new text begin Earnings of my child who is under 18 years of age
 new text end
.
Payments to deleted text begin youdeleted text end new text begin menew text end from a life insurance policy
deleted text begin .
deleted text end 		deleted text begin Earnings of your child who is under 18 years of age
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Child support
 deleted text end
.
Money paid to deleted text begin youdeleted text end new text begin menew text end from a claim for damage or destruction of propertynew text begin .new text end Property
includes household goods, farm tools or machinery, tools for deleted text begin yourdeleted text end new text begin mynew text end job, business
equipment, a mobile home, a car, a musical instrument, a pew or burial lot, clothes,
furniture, or appliances.
.
Death benefits paid to deleted text begin youdeleted text end new text begin me
new text end

I give new text begin my new text end permission to any agency that has given me deleted text begin cashdeleted text end benefits to give information
about my benefits to the deleted text begin above-nameddeleted text end creditordeleted text begin , or its attorneydeleted text end new text begin named above or to the creditor's
lawyernew text end . The information will ONLY deleted text begin concern whetherdeleted text end new text begin be ifnew text end I get deleted text begin benefits or notdeleted text end new text begin assistancenew text end ,
or deleted text begin whetherdeleted text end new text begin ifnew text end I have gotten deleted text begin themdeleted text end new text begin assistancenew text end in the past deleted text begin sixdeleted text end new text begin 6new text end months.new text begin If I was an inmate in
the last 6 months, I give my permission to the correctional institution to tell the creditor
named above or the creditor's lawyer that I was an inmate there.
new text end

deleted text begin If I was an inmate in the last six months, I give my permission to the correctional
institution to tell the above-named creditor that I was an inmate there.
 deleted text end

You must sign deleted text begin and senddeleted text end this form new text begin and send it new text end back to the creditor's deleted text begin Attorneydeleted text end new text begin lawyernew text end
(or to the creditor, if new text begin there is new text end no deleted text begin attorneydeleted text end new text begin lawyernew text end ) and the bank. Remember to include
a copy of your bank statements for the past 60 days. Fill in the blanks below and go
back to the instructions to make sure you deleted text begin dodeleted text end new text begin didnew text end it correctly.

I deleted text begin havedeleted text end mailed or delivered a copy of this form todeleted text begin :deleted text end new text begin the creditor's lawyer (or to the creditor,
if there is no lawyer) at the address listed below.
new text end

deleted text begin .
deleted text end

deleted text begin (Insert name of creditor or creditor's attorney)
 deleted text end

deleted text begin .
deleted text end

deleted text begin (Insert address of creditor or creditor's attorney)
 deleted text end

new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

I deleted text begin havedeleted text end also mailed or delivered a copy of this exemption form to my bank at the address
listed deleted text begin in the instructions.deleted text end new text begin below:
new text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin DEBTOR
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR ADDRESS
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR TELEPHONE NUMBER
 deleted text end
new text begin Bank's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end
new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 7.

Minnesota Statutes 2024, section 551.05, subdivision 1b, is amended to read:


Subd. 1b.

Form of notice.

The notice must be a separate form and must be substantially
in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin .
deleted text end 		deleted text begin (Creditor)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Debtor)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Financial
institution)
 deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name:
 new text end
new text begin .
new text end
new text begin Debtor's full name:
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other):
 new text end
new text begin .
new text end

IMPORTANT NOTICE

deleted text begin YOUR FUNDS HAVE BEEN LEVIED deleted text end new text begin
Money in Your Account Has Been Frozen
 new text end

The creditor has frozen money in your account at your deleted text begin financial institutiondeleted text end new text begin banknew text end .

Your account balance is $.......

The amount being held is $.......

The amount being held deleted text begin will bedeleted text end new text begin isnew text end frozen for 14 days from the date of this notice.

Some of your money in your account may be protected (the legal word is exempt). You
may be able to get it sooner than 14 days if you act quickly and follow the instructions
on the next page.

The attached exemption form lists some different deleted text begin sources ofdeleted text end new text begin waysnew text end money in your account
deleted text begin thatdeleted text end may be protected. If your money deleted text begin is from one or more of these sources, place a check
on the line on the form next to the sources of your money. If it is from one of these sources,
the Creditor cannot take itdeleted text end new text begin comes from a benefit on this list, put a check on the line next to
it. The creditor can't take itnew text end .

BUT,new text begin if you want the bank to unfreeze your money,new text end you must follow the instructions and
return the exemption form deleted text begin anddeleted text end new text begin withnew text end copies of your bank statements from the last 60
daysdeleted text begin to have the bank unfreeze your moneydeleted text end .new text begin Instructions and the form are attached.new text end If you
deleted text begin do notdeleted text end new text begin don'tnew text end follow the instructions, your deleted text begin financial institution will givedeleted text end new text begin bank givesnew text end the money
to deleted text begin thedeleted text end new text begin yournew text end creditor.new text begin If your creditor gets an order from the court or writ of execution, your
bank gives the money to them.new text end If that happens and deleted text begin itdeleted text end new text begin your moneynew text end is protected, you can still
get it back from the creditor laterdeleted text begin , but that is not as easy to do as filling in the form nowdeleted text end .new text begin
But filling out the form now is easiest.
new text end

deleted text begin See next pages for instructions and the exemption form.
 deleted text end

Sec. 8.

Minnesota Statutes 2024, section 551.05, subdivision 1c, is amended to read:


Subd. 1c.

Form of instructions.

The instructions required must be in a separate form
and must be substantially in the following form:

INSTRUCTIONS

Note: The creditor is who you owe the money to. You are the debtor.

1. Fill out both of the attached exemption forms in this packet.

deleted text begin If you check one of the lines, you should also give proof that shows that some or all of
the money in your account is from one or more of the protected sources. Creditors
may ask for a hearing if they question your exemptions. To avoid a hearing:
 deleted text end

deleted text begin Case numbers should be added to the form. Copies of documents should be sent
with the form.
 deleted text end

new text begin If you check one of the lines, you should also give proof. Use proof that shows that some
or all of the money in your account is from one or more of the protected sources. This might
be letters or account statements. Creditors may ask for a hearing if they question your
exemptions.
 new text end

new text begin To avoid a hearing:
 new text end

new text begin (i) Case numbers should be added to the form.
 new text end

new text begin (ii) Copies of documents should be sent with the form.
 new text end

deleted text begin Notice: YOU MUST SEND TO THE CREDITOR'S ATTORNEY (OR TO THE
CREDITOR, IF NO ATTORNEY) COPIES OF YOUR BANK STATEMENTS FOR
THE PAST 60 DAYS BEFORE THE LEVY. Keep a copy of your bank statements in
case there are questions about your claim. If you do not send to the creditor's attorney
(or to the creditor, if no attorney) bank statements with your exemption claim, the
financial institution may release your money to the creditor.
 deleted text end

new text begin Notice: You must send copies of your bank statements for the past 60 days before the
garnishment. Send them to the creditor (or to the creditor's lawyer). Keep a copy of your
bank statements in case there are questions about your claim. If you don't send bank
statements to the creditor (or to the creditor's lawyer) along with your exemption claim, the
financial institution may give your money to the creditor. They would do this once the
creditor gives them a court order saying they have to turn over the funds.
 new text end

2. Sign the exemption forms. Make one copy to keep for yourself.

3. Mail or deliver the other copies of the form by (insert date).

Both Copies Must Be Mailed or Delivered the Same Day.

One copy of the form and the copies of your bank statements go to:

new text begin Creditor's Name: .
new text end
deleted text begin (Insert name of creditor or creditor's attorney) deleted text end new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
deleted text begin (Insert address of creditor or creditor's attorney) deleted text end new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

One copy goes to:

new text begin Bank's Name: .
new text end
deleted text begin (Insert name of bank) deleted text end new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
deleted text begin (Insert address of bank) deleted text end new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

How The Process Works

If You deleted text begin Do Notdeleted text end new text begin Don'tnew text end Send in the Exemption Form and Bank Statements:

14 days after the date of this letter some or all of your money may be turned over to the
creditor deleted text begin pursuant to Minnesota statutedeleted text end .new text begin This happens once they get an order from the court
telling the bank to do this.
new text end

If You new text begin Do new text end Send in the Exemption Form and Bank Statements:

Any money that is NOT protected can be turned over to the creditornew text begin once they get an order
from the courtnew text end .

If the Creditor Does Not Objectnew text begin to Your Claimed Exemptionsnew text end :

deleted text begin The financial institution will unfreeze your money six business days after the institution
gets your completed form. deleted text end new text begin The bank should unfreeze your money 6 business days after they
get your completed form. If they don't, ask the creditor or the creditor's lawyer to send a
release letter to the bank.
 new text end

If the Creditor Objectsnew text begin to Your Claimed Exemptionsnew text end :

The money you deleted text begin havedeleted text end said is protected on the form deleted text begin will bedeleted text end new text begin isnew text end held by the bank. The creditor
has deleted text begin sixdeleted text end new text begin 6new text end business days to object (disagree) and ask the court to hold a hearing. You deleted text begin will
receivedeleted text end new text begin getnew text end a Notice of Objection and a Notice of Hearing.

The deleted text begin financial institution will holddeleted text end new text begin bank holdsnew text end the money until a court decides deleted text begin whetherdeleted text end new text begin ifnew text end
your money is protected or not. Some reasons a creditor may object are because you deleted text begin did
notdeleted text end new text begin didn'tnew text end send copies of your bank statements or other proof of the benefits you deleted text begin receiveddeleted text end new text begin
gotnew text end . Be sure to include these when you send your exemption form.

You may want to talk to a lawyer for advice about this process. If you are low income you
can call Legal Aidnew text begin statewide at 1(877) 696-6529new text end .

deleted text begin PENALTIESdeleted text end new text begin Warnings and Finesnew text end :

If you claim that your money is protected and a court decides you made that claim in bad
faith, deleted text begin the courtdeleted text end new text begin theynew text end can order you to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees, and
deleted text begin an additional amount ofdeleted text end new text begin a finenew text end up to $100.new text begin Bad faith is when someone does something wrong
on purpose.new text end For example, it may be bad faith if you claim you deleted text begin receivedeleted text end new text begin getnew text end government
benefits deleted text begin that you do not receivedeleted text end new text begin and you don'tnew text end .

If the creditor made a bad faith objection to your claim that your money is protected, the
court can order them to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees, and deleted text begin an additional
amount ofdeleted text end new text begin a finenew text end up to $100.

Sec. 9.

Minnesota Statutes 2024, section 551.05, subdivision 1d, is amended to read:


Subd. 1d.

Form of exemption form.

The exemption form required by this subdivision
must be a separate form and must be in substantially the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin .
deleted text end 		deleted text begin (Creditor)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Debtor)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Financial
institution)
 deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name:
 new text end
new text begin .
new text end 		new text begin Exemption Form
 new text end
new text begin against
 new text end
new text begin Debtor's full name:
 new text end
new text begin .
new text end
new text begin Bank's name:
 new text end
new text begin .
new text end

deleted text begin EXEMPTION FORM
 deleted text end

A.
 How Much Money Is Protectednew text begin (exempt)
new text end
deleted text begin .
deleted text end 		new text begin ... new text end I claim ALL of the money being frozen by the bank is protected.
deleted text begin .
deleted text end 		new text begin ... new text end I claim SOME of the money is protected. The amount I claim is protected is $.......new text begin .
new text end
B.
 Why The Money Is Protected
My money is protected because I get it from one or more of the following places:
(Check all that apply)
new text begin Earnings (Wages)
 new text end
new text begin ALL or SOME of my wages may be protected.
 new text end
new text begin ... Some of my wages are protected because they were only deposited in my
account in the last 20 days.
 new text end
new text begin For wages that were deposited in your account within the last 20 days, the amount
protected is whichever is more:
 new text end
new text begin (i) 75% of your wages or more (after taxes are taken out), or
 new text end
new text begin (ii) The current minimum wage times 40 per week. You can find the current
minimum wage here: https://www.dli.mn.gov/minwage.
 new text end
new text begin new text begin Allnew text end of my wages are protected because:
 new text end
new text begin ... I get government benefits (a list of government benefits is on the next page)
 new text end
new text begin ... I am getting other assistance based on need
 new text end
new text begin ... I have gotten government benefits in the last 6 months
 new text end
new text begin ... I was in jail or prison in the last 6 months
 new text end
new text begin If you check one of these 4 boxes, your wages are only protected for 60 days
after they are deposited in your account. You MUST send the creditor copies
of bank statements that show what was in your account for the 60 days right
before the bank froze your money.
 new text end
deleted text begin .
deleted text end 		Government benefits
Government benefits new text begin can new text end includedeleted text begin , but are not limited to, the followingdeleted text end new text begin many things.
For examplenew text end :
deleted text begin MFIP deleted text end deleted text begin - Minnesota family investment program,
 deleted text end
deleted text begin MFIP Diversionary Work Program,
 deleted text end
deleted text begin Work participation cash benefit,
deleted text end
deleted text begin GA deleted text end deleted text begin - general assistance,
 deleted text end
deleted text begin EA deleted text end deleted text begin - emergency assistance,
 deleted text end
deleted text begin MA deleted text end deleted text begin - medical assistance,
 deleted text end
deleted text begin EGA deleted text end deleted text begin - emergency general assistance,
 deleted text end
deleted text begin MSA deleted text end deleted text begin - Minnesota supplemental aid,
 deleted text end
deleted text begin MSA-EA deleted text end deleted text begin - MSA emergency assistance,
 deleted text end
deleted text begin Supplemental Nutrition Assistance Program (SNAP),
 deleted text end
deleted text begin SSI - Supplemental Security Income,
 deleted text end
deleted text begin MinnesotaCare,
 deleted text end
deleted text begin Medicare Part B premium payments,
 deleted text end
deleted text begin Medicare Part D extra help,
 deleted text end
deleted text begin Energy or fuel assistance.
 deleted text end
deleted text begin LIST SOURCE(S) OF FUNDING IN YOUR ACCOUNT
 deleted text end
deleted text begin .
deleted text end
deleted text begin LIST THE CASE NUMBER AND COUNTY
 deleted text end
deleted text begin Case Number: deleted text end .
deleted text begin County: deleted text end .
deleted text begin Government benefits also include:
 deleted text end
.
deleted text begin Social Security benefits
 deleted text end
.
deleted text begin Unemployment benefits
 deleted text end
.
deleted text begin Workers' compensation
 deleted text end
.
deleted text begin Veterans benefits
 deleted text end
deleted text begin If you receive any of these government benefits, include copies of any documents
you have that show you receive Social Security, unemployment, workers'
compensation, or veterans benefits.
 deleted text end
.
deleted text begin Other assistance based on need
 deleted text end

deleted text begin You may have assistance based on need from another source that is not on the list. If you
do, check this box, and fill in the source of your money on the line below:
 deleted text end

deleted text begin Source: .
deleted text end

deleted text begin Include copies of any documents you have that show the source of this money.
 deleted text end

deleted text begin EARNINGS
 deleted text end
deleted text begin ALL or SOME of your earnings (wages) may also be protected.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin All of your earnings (wages) are protected if:
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You get government benefits (see list of government benefits)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You currently receive other assistance based on need
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You have received government benefits in the last six months
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You were in jail or prison in the last six months
 deleted text end
deleted text begin If you check one of these lines, your wages are only protected for 60 days after they
are deposited in your account so you MUST send the creditor a copy of BANK
STATEMENTS that show what was in your account for the 60 days right before
the bank froze your money.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Some of your earnings (wages) are protected.
 deleted text end
deleted text begin If all of your earnings are not exempt, then some of your earnings are still protected
for 20 days after they were deposited in your account. The amount protected is the
larger amount of:
 deleted text end
deleted text begin 75 percent of your wages (after taxes are taken out); or
 deleted text end
deleted text begin (insert the sum of the current federal minimum wage) multiplied by 40.
 deleted text end
deleted text begin OTHER EXEMPT FUNDS
 deleted text end
deleted text begin The money from the following are also completely protected after they are deposited
in your account.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin An accident, disability, or retirement pension or annuity
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Payments to you from a life insurance policy
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Earnings of your child who is under 18 years of age
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Child support
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Money paid to you from a claim for damage or destruction of property Property
includes household goods, farm tools or machinery, tools for your job, business
equipment, a mobile home, a car, a musical instrument, a pew or burial lot, clothes,
furniture, or appliances.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Death benefits paid to you
 deleted text end
new text begin (i) MFIP - Minnesota Family Investment Program
 new text end
new text begin (ii) DWP - MFIP Diversionary Work Program
 new text end
new text begin (iii) SNAP - Supplemental Nutrition Assistance Program
 new text end
new text begin (iv) GA - General Assistance
 new text end
new text begin (v) EGA - Emergency General Assistance
 new text end
new text begin (vi) MSA - Minnesota Supplemental Aid
 new text end
new text begin (vii) MSA-EA - MSA Emergency Assistance
 new text end
new text begin (viii) EA - Emergency Assistance
 new text end
new text begin (ix) Energy or Fuel Assistance
 new text end
new text begin (x) Work Participation Cash Benefit
 new text end
new text begin (xi) MA - Medical Assistance
 new text end
new text begin (xii) MinnesotaCare
 new text end
new text begin (xiii) Medicare Part B - Premium Payments help
 new text end
new text begin (xiv) Medicare Part D - Extra
 new text end
new text begin (xv) SSI - Supplemental Security Income
 new text end
new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit
 new text end
new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit)
 new text end
new text begin List the case number and county for every
box you checked:
 new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Government benefits also include:
 new text end
new text begin ... Social Security benefits
 new text end
new text begin ... Unemployment benefits
 new text end
new text begin ... Workers' compensation
 new text end
new text begin ... Veterans' benefits
 new text end

new text begin If you get any of these government benefits, include copies of any documents that show
you get them.
 new text end

new text begin ... I get other assistance based on need that is not on the list. It comes from:
 new text end

.

new text begin Make sure you include copies of any documents that show this.
 new text end

new text begin C.
 new text end 		new text begin Other Protected Funds
 new text end
new text begin The money from these things are also completely protected after they are deposited
in my account.
 new text end
new text begin ... Child Support
 new text end
new text begin ... A retirement, disability, or accident pension or annuity
 new text end
new text begin ... Earnings of my child who is under 18 years of age
 new text end
new text begin ... Payments to me from a life insurance policy
 new text end
new text begin ... Money paid to me from a claim for damage or destruction of property. Property
includes household goods, farm tools or machinery, tools for my job, business
equipment, a mobile home, a car, a musical instrument, a pew or burial lot, clothes,
furniture, or appliances.
 new text end
new text begin ... Death benefits paid to me
 new text end

I give new text begin my new text end permission to any agency that has given me deleted text begin cashdeleted text end benefits to give information
about my benefits to the deleted text begin above-named creditor, or its attorneydeleted text end new text begin creditor named above or to
the creditor's lawyernew text end . The information will ONLY deleted text begin concern whether I get benefits or not, or
whether I have gotten them in the past six monthsdeleted text end new text begin be if I get assistance, or if I have gotten
assistance in the past 6 monthsnew text end .new text begin new text end If I was an inmate in the last deleted text begin sixdeleted text end new text begin 6new text end months, I give my
permission to the correctional institution to tell the deleted text begin above-nameddeleted text end creditornew text begin named above or
the creditor's lawyernew text end that I was an inmate there.

deleted text begin YOU MUST SIGN AND SEND THIS FORM BACK TO THE CREDITOR'S
ATTORNEY (OR TO THE CREDITOR, IF NO ATTORNEY) AND THE BANK.
REMEMBER TO INCLUDE A COPY OF YOUR BANK STATEMENTS FOR THE
PAST 60 DAYS. FILL IN THE BLANKS BELOW AND GO BACK TO THE
INSTRUCTIONS TO MAKE SURE YOU DO IT CORRECTLY.
 deleted text end

new text begin You must sign this form and send it back to the creditor's lawyer (or to the creditor,
if there is no lawyer) and the bank. Remember to include a copy of your bank
statements for the past 60 days. Fill in the blanks below and go back to the instructions
to make sure you did it correctly.
 new text end

I have mailed or delivered a copy of this form todeleted text begin :deleted text end new text begin the creditor (or creditor's lawyer) at
the address listed below.
new text end

new text begin Creditor's Signature: .
new text end
(deleted text begin Insert name of creditordeleted text end or creditor's deleted text begin attorneydeleted text end new text begin lawyer's signaturenew text end )
new text begin Creditor's Name: .
new text end
(deleted text begin Insert address of creditordeleted text end or creditor's deleted text begin attorneydeleted text end new text begin lawyer's namenew text end )
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

I deleted text begin havedeleted text end also mailed or delivered a copy of this exemption form to my bank at the address
listed deleted text begin in the instructions.deleted text end new text begin below:
new text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin DEBTOR
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR ADDRESS
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR TELEPHONE NUMBER
 deleted text end
new text begin Bank's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end
new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 10.

Minnesota Statutes 2024, section 551.06, subdivision 6, is amended to read:


Subd. 6.

Earnings exemption notice.

Before the first levy on earnings, the attorney for
the judgment creditor shall serve upon the judgment debtor no less than ten days before the
service of the writ of execution, a notice that the writ of execution may be served on the
judgment debtor's employer. The notice must: (1) be substantially in the form set forth
below; (2) be served personally, in the manner of a summons and complaint, or by first
class mail to the last known address of the judgment debtor; (3) inform the judgment debtor
that an execution levy may be served on the judgment debtor's employer in ten days, and
that the judgment debtor may, within that time, cause to be served on the judgment creditor's
attorney a signed statement under penalties of perjury asserting an entitlement to an
exemption from execution; (4) inform the judgment debtor of the earnings exemptions
contained in section 550.37, subdivision 14; and (5) advise the judgment debtor of the relief
set forth in this chapter to which the judgment debtor may be entitled if a judgment creditor
in bad faith disregards a valid claim and the fee, costs, and penalty that may be assessed
against a judgment debtor who in bad faith falsely claims an exemption or in bad faith takes
action to frustrate the execution process. The notice requirement of this subdivision does
not apply to a levy on earnings being held by an employer pursuant to a garnishment
summons served in compliance with chapter 571.

The ten-day notice informing a judgment debtor that a writ of execution may be used
to levy the earnings of an individual must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Creditor)
 deleted text end
deleted text begin against
 deleted text end
deleted text begin EXECUTION EXEMPTION
 deleted text end
deleted text begin NOTICE AND NOTICE OF
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Debtor)
 deleted text end 		deleted text begin INTENT TO LEVY ON EARNINGS
 deleted text end
deleted text begin and
 deleted text end 		deleted text begin WITHIN TEN DAYS
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Third Party)
 deleted text end

deleted text begin PLEASE TAKE NOTICE that A levy may be served upon your employer or other third
parties, without any further court proceedings or notice to you, ten days or more from the
date hereof. Your earnings are completely exempt from execution levy if you are now a
recipient of relief based on need, if you have been a recipient of relief within the last six
months, or if you have been an inmate of a correctional institution in the last six months.
 deleted text end

deleted text begin Relief based on need includes the Minnesota Family Investment Program (MFIP),
Emergency Assistance (EA), Work First Program, Medical Assistance (MA), General
Assistance (GA), Emergency General Assistance (EGA), Minnesota Supplemental Aid
(MSA), MSA Emergency Assistance (MSA-EA), Supplemental Security Income (SSI), and
Energy Assistance.
 deleted text end

deleted text begin If you wish to claim an exemption, you should fill out the appropriate form below, sign
it, and send it to the judgment creditor's attorney.
 deleted text end

deleted text begin You may wish to contact the attorney for the judgment creditor in order to arrange for
a settlement of the debt or contact an attorney to advise you about exemptions or other
rights.
 deleted text end

new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name:
 new text end
new text begin .
new text end 		new text begin Execution Exemption Notice and Notice of
 new text end
new text begin against
 new text end 		new text begin Intent to Levy on Earnings
 new text end
new text begin Debtor's full name:
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other):
 new text end
new text begin .
new text end

new text begin Notice: A levy may be served on your employer or other third parties. A levy means that
part of your earnings can be taken to pay off debts that you owe. This can happen in
10 days or more after you get this notice. This can happen without any other court action
or notice to you. But some of your money may be protected.
 new text end

new text begin Your earnings cannot be taken if:
 new text end

new text begin (i) you are getting government assistance based on need,
 new text end

new text begin (ii) you got any government assistance based on need in the last 6 months, or
 new text end

new text begin (iii) you were an inmate of a correctional institution in the last 6 months.
 new text end

new text begin These are called exemptions. Your money is NOT protected unless you fill out the
Exemption Claim Notice attached and send it back to the creditor or the creditor's
lawyer. If you are not sure if you have any exemptions, talk to a lawyer.
 new text end

new text begin You can also contact the creditor or their lawyer to talk about a settlement of the debt.
 new text end

new text begin Examples of government assistance based on need:
 new text end
new text begin (i) MFIP - Minnesota Family Investment Program
 new text end
new text begin (ii) DWP - MFIP Diversionary Work Program
 new text end
new text begin (iii) SNAP - Supplemental Nutrition Assistance Program
 new text end
new text begin (iv) GA - General Assistance
 new text end
new text begin (v) EGA - Emergency General Assistance
 new text end
new text begin (vi) MSA - Minnesota Supplemental Aid
 new text end
new text begin (vii) MSA-EA - MSA Emergency Assistance
 new text end
new text begin (viii) EA - Emergency Assistance
 new text end
new text begin (ix) Energy or Fuel Assistance
 new text end
new text begin (x) Work Participation Cash Benefit
 new text end
new text begin (xi) MA - Medical Assistance
 new text end
new text begin (xii) MinnesotaCare
 new text end
new text begin (xiii) Medicare Part B - Premium Payments help
 new text end
new text begin (xiv) Medicare Part D - Extra
 new text end
new text begin (xv) SSI - Supplemental Security Income
 new text end
new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit
 new text end
new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit)
 new text end

deleted text begin PENALTIES deleted text end new text begin Warnings and Fines
 new text end

(1) deleted text begin Be advised that even if you claim an exemption, an execution levy may still be served
on your employer. If your earnings are levied on after you claim an exemption, you may
petition the court for a determination of your exemption. If the court finds that the
judgment creditor disregarded your claim of exemption in bad faith, you will be entitled
to costs, reasonable attorney fees, actual damages, and an amount not to exceed $100.deleted text end new text begin
Even if you claim an exemption, a levy may still be served on your employer. If they
take money from you after you claim an exemption, you may ask the court to review
your exemption. If the court finds that the creditor ignored your claim of exemption in
bad faith, you are entitled to costs, reasonable lawyer fees, actual damages, and a fine
up to $100. Bad faith is when someone does something wrong on purpose.
new text end

(2) deleted text begin HOWEVER, BE WARNED if you claim an exemption, the judgment creditor can
also petition the court for a determination of your exemption, and if the court finds that
you claimed an exemption in bad faith, you will be assessed costs and reasonable
attorney's fees plus an amount not to exceed $100.deleted text end new text begin BUT if you claim an exemption, the
creditor can also ask the court to review your exemption. If the court finds that you
claimed an exemption in bad faith, you are charged costs and reasonable lawyer fees,
and a fine up to $100.
new text end

(3) deleted text begin If after receipt of this notice, you in bad faith take action to frustrate the execution
levy, thus requiring the judgment creditor to petition the court to resolve the problem,
you will be liable to the judgment creditor for costs and reasonable attorney's fees plus
an amount not to exceed $100.deleted text end new text begin If you get this notice, then do something in bad faith to
try to block or stop the levy and the creditor has to take you to court because of it, you
will have to pay the creditor's costs, and reasonable lawyer's fees, and a fine up to $100.
new text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin (Attorney for Judgment Creditor)
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone
 deleted text end
new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

deleted text begin JUDGMENT DEBTOR'S EXEMPTION CLAIM NOTICE
 deleted text end

new text begin Debtor's Exemption Claim Notice
 new text end

I deleted text begin herebydeleted text end claim that my earnings are exempt deleted text begin from executiondeleted text end because:new text begin (check all that
apply)
new text end

deleted text begin (1)deleted text end new text begin ...new text end I am deleted text begin presently a recipient of reliefdeleted text end new text begin getting government assistance new text end based on need.
(deleted text begin Specifydeleted text end new text begin Statenew text end the program, case numbernew text begin if you know itnew text end , and the county deleted text begin from which
relief is being receiveddeleted text end new text begin you got it fromnew text end .)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

deleted text begin (2)deleted text end new text begin ...new text end I am not deleted text begin now receiving reliefdeleted text end new text begin getting assistancenew text end based on neednew text begin right nownew text end , but I
deleted text begin have received reliefdeleted text end new text begin did get government assistancenew text end based on need within the last deleted text begin sixdeleted text end new text begin 6new text end
months. (deleted text begin Specifydeleted text end new text begin Statenew text end the program, case numbernew text begin if you know itnew text end , and the county deleted text begin from
which relief has been receiveddeleted text end new text begin you got it fromnew text end .)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

deleted text begin (3)deleted text end new text begin ...new text end I deleted text begin have beendeleted text end new text begin wasnew text end an inmate of a correctional institution within the last deleted text begin sixdeleted text end new text begin 6new text end months.
(deleted text begin Specifydeleted text end new text begin Statenew text end the correctional institution and location.)

deleted text begin .
deleted text end 		deleted text begin .
deleted text end
Correctional Institution .
Location .

deleted text begin I hereby authorize any agency that has distributed relief to me or any correctional
institution in which I was an inmate to disclose to the above-named judgment creditor or
the judgment creditor's attorney only whether or not I am or have been a recipient of relief
based on need or an inmate of a correctional institution within the last six months. I have
mailed or delivered a copy of this form to the creditor or creditor's attorney.
 deleted text end

deleted text begin DATE: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Judgment Debtor
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end

new text begin I give my permission to any agency listed above to give information about my benefits to
the creditor named above, or to the creditor's lawyer. The information will ONLY be if I
get assistance, or if I have gotten assistance in the past 6 months. If I was an inmate in the
last 6 months, I give my permission to the correctional institution to tell the creditor named
above or the creditor's lawyer that I was an inmate there.
 new text end

new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 11.

Minnesota Statutes 2024, section 551.06, subdivision 9, is amended to read:


Subd. 9.

Notice of levy on earnings, disclosure, and worksheet.

The attorney for the
judgment creditor shall serve upon the judgment debtor's employer a notice of levy on
earnings and an execution earnings disclosure form and an earnings disclosure worksheet
with the writ of execution, that must be substantially in the form set forth below.

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin FILE NO. .
deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Creditor)
 deleted text end
deleted text begin against
 deleted text end 		deleted text begin NOTICE OF LEVY ON
 deleted text end
deleted text begin EARNINGS AND DISCLOSURE
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Judgment Debtor)
 deleted text end
deleted text begin and
 deleted text end
deleted text begin .
deleted text end 		deleted text begin (Third Party)
 deleted text end

deleted text begin PLEASE TAKE NOTICE that pursuant to Minnesota Statutes, sections 551.04 and
551.06, the undersigned, as attorney for the judgment creditor, hereby makes demand and
levies execution upon all earnings due and owing by you (up to $10,000) to the judgment
debtor for the amount of the judgment specified below. A copy of the writ of execution
issued by the court is enclosed. The unpaid judgment balance is $.....
 deleted text end

deleted text begin This levy attaches all unpaid nonexempt disposable earnings owing or to be owed by
you and earned or to be earned by the judgment debtor before and within the pay period in
which the writ of execution is served and within all subsequent pay periods whose paydays
occur within the 90 days after the service of this levy.
 deleted text end

deleted text begin In responding to this levy, you are to complete the attached disclosure form and worksheet
and mail it to the undersigned attorney for the judgment creditor, together with your check
payable to the above-named judgment creditor, for the nonexempt amount owed by you to
the judgment debtor or for which you are obligated to the judgment debtor, within the time
limits set forth in the aforementioned statutes.
 deleted text end

deleted text begin .
deleted text end
deleted text begin Attorney for the Judgment Creditor
 deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin (...) .
deleted text end
deleted text begin Phone Number
 deleted text end

deleted text begin DISCLOSURE
 deleted text end

deleted text begin DEFINITIONS
 deleted text end

deleted text begin "EARNINGS": For the purpose of execution, "earnings" means compensation paid or
payable to an employee for personal services or compensation paid or payable to the producer
for the sale of agricultural products; milk or milk products; or fruit or other horticultural
products produced when the producer is operating a family farm, a family farm corporation,
or an authorized farm corporation, as defined in section 500.24, subdivision 2, whether
denominated as wages, salary, commission, bonus, or otherwise, and includes periodic
payments pursuant to a pension or retirement.
 deleted text end

deleted text begin "DISPOSABLE EARNINGS": Means that part of the earnings of an individual remaining
after the deduction from those earnings of amounts required by law to be withheld. (Amounts
required by law to be withheld do not include items such as health insurance, charitable
contributions, or other voluntary wage deductions.)
 deleted text end

deleted text begin "PAYDAY": For the purpose of execution, "payday(s)" means the date(s) upon which
the employer pays earnings to the judgment debtor in the ordinary course of business. If
the judgment debtor has no regular payday, payday(s) means the 15th and the last day of
each month.
 deleted text end

new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name:
 new text end
new text begin .
new text end 		new text begin Notice of Levy on Earnings for
Non-Child Support Judgments
 new text end
new text begin against
 new text end
new text begin Debtor's full name:
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (Debtor's Employer):
 new text end
new text begin .
new text end

new text begin To the employer:
 new text end

new text begin An employee of yours owes a judgment (money) to a creditor. The creditor's lawyer is
starting a levy on the earnings you owe the employee. A levy means that you might have
to hold part of the employee's earnings and send it to the creditor. By law, you have to do
this. The limit on the levy is $10,000. A copy of the writ of execution from the court is
enclosed. The amount of the judgment is $........
 new text end

new text begin The levy applies to "nonexempt disposable earnings" that you owe the employee. There are
definitions and instructions below on how to calculate the amount, if any, you have to hold.
The levy starts with the pay period when you got this levy. It continues for all pay periods
in the 90 days after you got this levy.
 new text end

new text begin You must complete the attached disclosure form and worksheet. Then mail it to the lawyer
listed below. If any money is owed under the levy, you must also send a check payable to
the creditor listed above. Follow the steps and the deadlines explained below.
 new text end

new text begin Creditor's Name: .
new text end
new text begin Creditor's Lawyer's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name:
 new text end
new text begin .
new text end 		new text begin Earnings Disclosure and Worksheet
For Non-Child Support Judgments
 new text end
new text begin against
 new text end
new text begin Debtor's full name:
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (Debtor's Employer):
 new text end
new text begin .
new text end

new text begin This form is called an "Earnings Execution Disclosure" or "Disclosure." It is for the employer
to fill out. The "debtor" is the person who owes money. The debtor gets a copy of this form
for their own information.
 new text end

new text begin The employer is the "third party." The debtor is also called a "judgment debtor." If the debtor
asks how the calculations in this document were made, the employer must provide
information about it.
 new text end

new text begin Definitions
 new text end

new text begin "Earnings": what is paid or payable to an employee, independent contractor, or
self-employed person for personal services (a job). Also called compensation. Compensation
can be wages, salary, commission, bonuses, payments, profit-sharing distributions, severance
payment, fees, or other. It includes periodic payments from a pension or retirement. It can
also be compensation paid or payable to a producer for the sale of agricultural products.
This can be things like milk or milk products, or fruit or other horticultural products. Or
things produced in the operation of a family farm, a family farm corporation, or an authorized
farm corporation. This is defined in Minnesota Statutes, section 500.24, subdivision 2.
 new text end

new text begin "Disposable Earnings": the part of a person's earnings that are left after subtracting
the amounts required by law to be withheld. Note: Amounts required by law to be withheld
do not include things like health insurance, charitable contributions, or other voluntary wage
deductions.
 new text end

new text begin "Payday": the date when the employer pays earnings to the debtor for doing their job.
If the debtor has no regular payday, then "payday" means the 15th and the last day of each
month.
 new text end

THE THIRD PARTY/EMPLOYER MUST ANSWER THE FOLLOWING
QUESTIONS:

1. deleted text begin Do you now owe, or within 90 days from the date the execution levy was served on
you, will you or may you owe money to the judgment debtor for earnings?deleted text end new text begin Right now, do
you owe money to the debtor for earnings?
new text end

Yes .....
 No .....

2. deleted text begin Does the judgment debtor earn more than $... per week? (This amount is the greater
of $9.50 per hour of the federal minimum wage per week.)deleted text end new text begin Within 90 days from the date
you were served with the levy, will you or may you owe money to the debtor for earnings?
new text end

Yes .....
 No .....

new text begin 3. Does the debtor earn more than the current Minnesota or federal minimum wage per
week? (use the number that is more)
 new text end

new text begin Yes .....
 new text end 		new text begin No .....
 new text end

deleted text begin INSTRUCTIONS FOR COMPLETING THE
 deleted text end

deleted text begin EARNINGS DISCLOSURE
 deleted text end

A. deleted text begin If your answer to either question 1 or 2 is "No," then you must sign the affirmation
on page 2 and return this disclosure to the judgment creditor's attorney within 20 days after
it was served on you, and you do not need to answer the remaining questions. deleted text end new text begin If you answer
"No" to question 1, 2, or 3, you don't need to answer the rest of the questions. You don't
have to do the Earnings Disclosure Worksheet. Sign the Earnings Disclosure Affirmation
below and return this disclosure form to the sheriff. You must return it within 20 days after
it was served on you.
 new text end

B. deleted text begin If your answers to both questions 1 and 2 are "Yes," you must complete this form
and the Earnings Disclosure Worksheet as follows:deleted text end new text begin If you answer "Yes" to question 1 or 2,
and "Yes" to question 3, sign the Earnings Disclosure Affirmation below. You must return
it to the sheriff within 20 days. You must also fill out the rest of this form. Read the
instructions for the Earnings Disclosure Worksheet.
new text end

deleted text begin For each payday that falls within 90 days from the date the execution levy was served
on you, YOU MUST calculate the amount of earnings to be retained by completing steps
3 through 11 on page 2, and enter the amounts on the Earnings Disclosure Worksheet.
UPON REQUEST, THE EMPLOYER MUST PROVIDE THE DEBTOR WITH
INFORMATION AS TO HOW THE CALCULATIONS REQUIRED BY THIS
DISCLOSURE WERE MADE.
 deleted text end

deleted text begin Each payday, you must retain the amount of earnings listed in column I on the Earnings
Disclosure Worksheet.
 deleted text end

deleted text begin You must pay the attached earnings and return this Earnings Disclosure Form and the
Earnings Disclosure Worksheet to the judgment creditor's attorney and deliver a copy
to the judgment debtor within ten days after the last payday that falls within the 90-day
period.
 deleted text end

deleted text begin If the judgment is wholly satisfied or if the judgment debtor's employment ends before
the expiration of the 90-day period, your disclosure and remittance should be made
within ten days after the last payday for which earnings were attached.
 deleted text end

deleted text begin For steps 3 through 11, "columns" refers to columns on the Earnings Disclosure Worksheet.
 deleted text end

deleted text begin 3.
 deleted text end 		deleted text begin COLUMN A.
 deleted text end 		deleted text begin Enter the date of judgment debtor's payday.
 deleted text end
deleted text begin 4.
 deleted text end 		deleted text begin COLUMN B.
 deleted text end 		deleted text begin Enter judgment debtor's gross earnings for each payday.
 deleted text end
deleted text begin 5.
 deleted text end 		deleted text begin COLUMN C.
 deleted text end 		deleted text begin Enter judgment debtor's disposable earnings for each
payday.
 deleted text end
deleted text begin 6.
 deleted text end 		deleted text begin COLUMN D.
 deleted text end 		deleted text begin Enter 25 percent of disposable earnings. (Multiply
Column C by .25.)
 deleted text end
deleted text begin 7.
 deleted text end 		deleted text begin COLUMN E.
 deleted text end 		deleted text begin Enter here the greater of 40 times $9.50 or 40 times the
hourly federal minimum wage ($.......) times the number
of work weeks included in each payday. (Note: If a pay
period includes days in excess of whole work weeks,
the additional days should be counted as a fraction of a
work week equal to the number of workdays in excess
of a whole work week divided by the number of
workdays in a normal work week.)
 deleted text end
deleted text begin 8.
 deleted text end 		deleted text begin COLUMN F.
 deleted text end 		deleted text begin Subtract the amount in Column E from the amount in
Column C, and enter here.
 deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin COLUMN G.
 deleted text end 		deleted text begin Enter here the lesser of the amount in Column D and
the amount in Column F.
 deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin COLUMN H.
 deleted text end 		deleted text begin Enter here any amount claimed by you as a setoff,
defense, lien, or claim, or any amount claimed by any
other person as an exemption or adverse interest which
would reduce the amount of earnings owing to the
judgment debtor. (Note: Any indebtedness to you
incurred within ten days prior to your receipt of the first
execution levy on a debt may not be set off against the
earnings otherwise subject to this levy. Any wage
assignment made by the judgment debtor within ten
days prior to your receipt of the first execution levy on
a debt is void.)
 deleted text end
deleted text begin You must also describe your claim(s) and the claims of
others, if known, in the space provided below the
worksheet and state the name(s) and address(es) of these
persons.
 deleted text end
deleted text begin Enter zero in Column H if there are no claims by you
or others which would reduce the amount of earnings
owing to the judgment debtor.
 deleted text end
deleted text begin 11.
 deleted text end 		deleted text begin COLUMN I.
 deleted text end 		deleted text begin Subtract the amount in Column H from the amount in
Column G and enter here. This is the amount of earnings
that you must retain for the payday for which the
calculations were made. The total of all amounts entered
in Column I is the amount to be remitted to the attorney
for the judgment creditor.
 deleted text end

new text begin Earnings Disclosure new text end Affirmation

I, ................... (person signing Affirmation), am the third party/employer or I am
authorized by the third party/employer to complete this earnings disclosuredeleted text begin ,deleted text end and have done
so truthfully and to the best of my knowledge.

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone Number
 deleted text end

deleted text begin EARNINGS DISCLOSURE WORKSHEET
 deleted text end

deleted text begin ...................
 deleted text end

deleted text begin Judgment Debtor's Name
 deleted text end

new text begin Date: .
new text end
new text begin Third Party's Name: .
new text end
new text begin Third Party's Signature: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

new text begin Instructions for Completing the Earnings Disclosure Worksheet
 new text end

new text begin For each payday that falls within 90 days from the date the levy was served on you, you
must calculate the amount of earnings to be withheld. Enter the amounts on the Earnings
Disclosure Worksheet.
 new text end

new text begin You must:
 new text end

new text begin 1. Withhold the amount of earnings listed in column I on the Earnings Disclosure
Worksheet each payday.
 new text end

new text begin 2. After 90 days, return this Earnings Disclosure Worksheet to the sheriff. Include all
the money withheld. Sign the Affirmation at the end of the worksheet before returning.
 new text end

new text begin 3. Deliver a copy of the disclosure and worksheet to the debtor within 10 days after the
last payday that falls within the 90-day period.
 new text end

new text begin If the debt (judgment) is fully paid off or if the debtor's job ends before the 90-day period
is over, you need to do the last disclosure and withholdings within 10 days of their last
payday that you withheld money.
 new text end

new text begin Calculating Percentage of Disposable Earnings
 new text end

new text begin Note to Creditor: You must fill out this chart before sending this form to the employer.
Use the current minimum wage found online at: https://www.dli.mn.gov/minwage.
 new text end

new text begin Minimum Wage = $MW/hour.
 new text end

new text begin if the weekly gross earnings are:
 new text end 		new text begin then this percentage of the disposable
earnings are withheld:
 new text end
new text begin Less than [40 X MW]
 new text end 		new text begin 0%
 new text end
new text begin [40 X MW + .01] to [60 X MW]
 new text end 		new text begin 10%
 new text end
new text begin [60 X MW + .01] to [80 X MW]
 new text end 		new text begin 15%
 new text end
new text begin [80 X MW + .01] or more
 new text end 		new text begin 25%
 new text end

new text begin Employer: Use this creditor's calculation chart to know what percentage of earnings
should be withheld.
 new text end

new text begin Earnings Disclosure Worksheet
 new text end

new text begin .
new text end
new text begin Debtor's Name
 new text end
A
 B
 C
Payday Date
 Gross Earnings
 Disposable
Earnings
1.
 .
deleted text begin $ deleted text end .
deleted text begin $ deleted text end .
2.
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deleted text begin 8.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin Column A. Enter the debtor's payday.
 new text end

new text begin Column B. Enter the debtor's gross earnings for each payday.
 new text end

new text begin Column C. Enter the debtor's disposable earnings for each payday.
 new text end

D
 E
 F
deleted text begin 25deleted text end % of new text begin withholding
of new text end Column C
new text begin (Use the creditor's
calculation chart)
new text end 		Greater of 40 X
deleted text begin $9.50 or 40 Xdeleted text end new text begin
MN ornew text end Fed.
Min. Wage
 Column C
minus Column E
1.
 .
.
.
2.
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.
.
3.
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4.
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5.
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deleted text begin 8.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin Column D. Enter the percentage of disposable earnings that will be withheld. Get this
number from the creditor's calculation chart.
 new text end

new text begin Column E. Calculate 40 times the current Minnesota minimum wage (or 40 times the
current federal minimum wage) times the number of work weeks in each payday. Enter the
bigger number here. Note: If a payday has extra days that are more than a full work week,
count those extra days as part of a work week. Do this by dividing the number of extra
workdays by the number of workdays in a normal week.
 new text end

new text begin Column F. Subtract the amount in Column E from the amount in Column C and enter
here.
 new text end

G
 H
 I
Lesser of Column D
and Column F
 Setoff, Lien,
Adverse
Interest, or
Other Claims
 Column G
minus Column
H
1.
 .
.
.
2.
 .
.
.
3.
 .
.
.
4.
 .
.
.
5.
 .
.
.
6.
 .
.
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7.
 .
.
.
deleted text begin 8deleted text end .
 deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		.
deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		.
TOTAL OF COLUMN I
 deleted text begin $ deleted text end .

new text begin Column G. Look at column D and column F. Enter the smaller amount of the two here
in column G.
 new text end

new text begin Column H. Enter any amount claimed by you that would lower the amount of earnings
that will go to the debtor. Things like:
 new text end

new text begin (i) a setoff,
 new text end

new text begin (ii) a defense,
 new text end

new text begin (iii) a lien,
 new text end

new text begin (iv) a claim, or
 new text end

new text begin (v) any amount claimed by any other person as an exemption or adverse interest.
 new text end

new text begin Note: You must describe your claim(s) and the claims of others, if known, in the spaces
after this worksheet.
 new text end

new text begin Enter zero in column H if there are no claims by you or others which would lower the
amount of earnings owed to the debtor.
 new text end

new text begin Note: Any debt that happened within 10 days before you got the first levy on a debt
may not be set off against the earnings that are affected by this levy. Any wage assignment
made by the debtor within 10 days before you got the first levy on a debt is void. Wage
assignment is when a debtor voluntarily agrees to money being taken out of their earnings.
 new text end

new text begin Column I. Subtract the amount in column H from the amount in column G and enter
here. This is the amount of earnings that go to the creditor.
 new text end

deleted text begin *deleted text end If you entered any amount in Column H for any deleted text begin payday(s), you must describe below
either your claims, or the claims of others. For amounts claimed by others, you must both
state the names and addresses of these persons, and the nature of their claim, if known.deleted text end new text begin
payday, describe those claims below. It doesn't matter if they are your claims, or the claims
of others. For claims by others, list the names and addresses of each, and describe their
claims, if you know.
new text end

.

.

.

.

new text begin Earnings Worksheet new text end Affirmation

I, ................. (person signing Affirmation), am the third partynew text begin /employernew text end or I am authorized
by the third partynew text begin /employernew text end to complete this earnings disclosure deleted text begin worksheet,deleted text end and have done
so truthfully and to the best of my knowledge.

deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin (...) .
deleted text end
deleted text begin Signature
 deleted text end 		deleted text begin Phone Number
 deleted text end
new text begin Date: .
new text end
new text begin Third Party's Name: .
new text end
new text begin Third Party's Signature: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Sec. 12.

Minnesota Statutes 2024, section 571.72, subdivision 8, is amended to read:


Subd. 8.

Exemption notice.

In every garnishment where the debtor is a natural person,
the debtor shall be provided with a garnishment exemption notice. If the creditor is garnishing
earnings, the earnings exemption notice provided in section 571.924 must be served ten or
more days before the service of the first garnishment summons. If the creditor is garnishing
funds in a financial institution, the exemption notice provided in section 571.912 must be
served with the garnishment summons. In all other cases, the exemption notice must be in
the following form and served on the debtor with a copy of the garnishment summons.

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin against
 deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin EXEMPTION NOTICE
 deleted text end
deleted text begin and
 deleted text end
deleted text begin . (Garnishee)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Exemption Notice
 new text end
new text begin against
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

A Garnishment Summons is being served deleted text begin upondeleted text end new text begin onnew text end you. new text begin This means a creditor with a court
judgment against you wants to take some of your money or property to pay the judgment.
new text end Some of your property may be exempt and deleted text begin cannotdeleted text end new text begin can'tnew text end be deleted text begin garnisheddeleted text end new text begin taken. 'Exempt' means
protectednew text end . The following is a list of some deleted text begin of the moredeleted text end common exemptions. It is not new text begin a
new text end complete deleted text begin and is subject todeleted text end new text begin list. For full details and dollar amounts set by law seenew text end section
550.37 of the Minnesota Statutes deleted text begin and other state and federal laws. The dollar amounts
contained in this list are subject to the provisions of section 550.37, subdivision 4a, at the
time of garnishmentdeleted text end . If you have questions about an exemption, deleted text begin you should obtaindeleted text end new text begin contact
a lawyer fornew text end legal advice.

new text begin These things you or your family might have are protected:
 new text end

(1) deleted text begin a homestead or the proceeds from the sale of a homesteaddeleted text end new text begin equity in your home, or
money from recently selling your home - up to $510,000 totalnew text end ;

(2)new text begin (i) all clothing, one watch, utensils, and foodstuffs;
new text end

new text begin (ii) new text end household furniture, new text begin household new text end appliances, deleted text begin phonographs,deleted text end radios, deleted text begin anddeleted text end new text begin computers,
tablets,new text end televisions deleted text begin up to a total current value of $5,850;deleted text end new text begin , printers, cell phones, smart phones,
and other consumer electronics up to $12,150 in all; and
new text end

new text begin (iii) jewelry - total value can't be more than $3,308;
 new text end

(3) a manufactured (mobile) home deleted text begin used as your homedeleted text end new text begin you live innew text end ;

(4) one motor vehicle deleted text begin currently worth less than $2,600 after deducting any security
interest;deleted text end new text begin , counting only the amount you have paid off:
new text end

new text begin (i) $10,000;
 new text end

new text begin (ii) $12,500 if it is necessary for your business, trade, or profession;
 new text end

new text begin (iii) $25,000 if used by or to help someone with a disability that makes it hard to walk;
or
 new text end

new text begin (iv) $100,000 if designed or modified for someone with a disability that makes it hard
to walk;
 new text end

(5) farm machinery deleted text begin used by an individual principally engaged in farming, ordeleted text end new text begin if your
main business is farming.new text end Tools, machines, or office furniture used in your business deleted text begin or trade.
This exemption is limited todeleted text end new text begin - the total value can't be more thannew text end $13,000;

(6) relief based on need. This includes:

(i) new text begin MFIP - new text end Minnesota Family Investment Program deleted text begin (MFIP) and Work First Programdeleted text end ;

new text begin (ii) DWP - MFIP Diversionary Work Program;
 new text end

deleted text begin (ii) Medical Assistance (MA);
 deleted text end

new text begin (iii) SNAP - Supplemental Nutrition Assistance Program;
 new text end

deleted text begin (iii)deleted text end new text begin (iv) GA -new text end General Assistance deleted text begin (GA)deleted text end ;

deleted text begin (iv)deleted text end new text begin (v) EGA -new text end Emergency General Assistance deleted text begin (EGA)deleted text end ;

deleted text begin (v)deleted text end new text begin (vi) MSA -new text end Minnesota Supplemental Aid deleted text begin (MSA)deleted text end ;

deleted text begin (vi) MSA-Emergencydeleted text end new text begin (vii) MSA-EA - MSA Emergencynew text end Assistance deleted text begin (MSA-EA)deleted text end ;

deleted text begin (vii) Supplemental Security Income (SSI);
 deleted text end

deleted text begin (viii) Energy Assistance; and
 deleted text end

deleted text begin (ix)deleted text end new text begin (viii) EA -new text end Emergency Assistance deleted text begin (EA)deleted text end ;

new text begin (ix) Energy or Fuel Assistance;
 new text end

new text begin (x) Work Participation Cash Benefit;
 new text end

new text begin (xi) MA - Medical Assistance;
 new text end

new text begin (xii) MinnesotaCare;
 new text end

new text begin (xiii) Medicare Part B - Premium Payments help;
 new text end

new text begin (xiv) Medicare Part D - Extra;
 new text end

new text begin (xv) SSI - Supplemental Security Income;
 new text end

new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit; and
 new text end

new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit);
 new text end

new text begin (7) wages. 100% is protected if you get government assistance based on need. Otherwise,
between 75-100% is protected depending on how much you earn;
 new text end

new text begin (8) retirement benefits - the total interest under all plans and contracts can't be more than
$81,000;
 new text end

deleted text begin (7)deleted text end new text begin (9)new text end Social Security benefits;

deleted text begin (8)deleted text end new text begin (10)new text end unemployment benefits, workers' compensation, or deleted text begin veteran'sdeleted text end new text begin veterans'new text end benefits;

deleted text begin (9) an accident, disability, or retirementdeleted text end new text begin (11) a retirement, disability, or accidentnew text end pension
or annuity;

deleted text begin (10)deleted text end new text begin (12)new text end life insurance proceedsnew text begin that are not more than $54,000new text end ;

deleted text begin (11)deleted text end new text begin (13)new text end earnings of your minor child; deleted text begin and
deleted text end

deleted text begin (12)deleted text end new text begin (14)new text end money from a claim for damage or destruction of exempt property deleted text begin (such asdeleted text end new text begin -
likenew text end household goods, farm tools, business equipment, a manufactured (mobile) home, or
a deleted text begin car).deleted text end new text begin car;
new text end

new text begin (15) sacred possessions - like the Bible, Torah, Qur'an, prayer rug, and other religious
items. Total value can't be more than $2,000;
 new text end

new text begin (16) personal library - total value can't be more than $750;
 new text end

new text begin (17) musical instruments - total value can't be more than $2,000;
 new text end

new text begin (18) family pets - current value can't be more than $1,000;
 new text end

new text begin (19) a seat or pew in any house or place of public worship and a lot in any burial ground;
 new text end

new text begin (20) tools you need to work in your business or profession - the total value can't be more
than $13,500;
 new text end

new text begin (21) household tools and equipment - things like hand and power tools, snow removal
equipment, lawnmowers, and more. Total value can't be more than $3,000; and
 new text end

new text begin (22) health savings accounts, medical savings accounts - the total value can't be more
than $25,000.
 new text end

Sec. 13.

Minnesota Statutes 2024, section 571.72, subdivision 10, is amended to read:


Subd. 10.

Exemption notice for prejudgment garnishment.

Exemption Notice

Important Notice: A garnishment summons may be served on your employer, bank,
or other third partiesnew text begin . This can happennew text end without any further court proceeding or notice to
you. See the attached Notice of Intent to Garnish for more information.

deleted text begin The following money and wagesdeleted text end new text begin Some of your money in your accountnew text end may be
protected (the legal word is exempt) from garnishmentdeleted text begin :deleted text end new text begin .
new text end

deleted text begin 1. Financial institutions/bank
 deleted text end

deleted text begin Some of the money in your account may be protected because you receive government
benefits from one or more of the following places:
 deleted text end

new text begin Earnings (Wages)
 new text end

new text begin ALL or SOME of my wages may be protected.
 new text end

new text begin ... Some of my wages are protected because they were only deposited in my account in
the last 20 days.
 new text end

new text begin For wages that were deposited in your account within the last 20 days, the amount protected
is whichever is more:
 new text end

new text begin (i) 75 percent of your wages or more (after taxes are taken out), or
 new text end

new text begin (ii) The current minimum wage times 40 per week. You can find the current minimum
wage here: https://www.dli.mn.gov/minwage.
 new text end

new text begin All of my wages are protected because:
 new text end

new text begin ... I get government benefits (a list of government benefits is on the next page)
 new text end

new text begin ... I am getting other assistance based on need
 new text end

new text begin ... I have gotten government benefits in the last 6 months
 new text end

new text begin ... I was in jail or prison in the last 6 months
 new text end

new text begin If you check one of these four boxes, your wages are only protected for 60 days after they
are deposited in your account. You MUST send the creditor copies of bank statements
that show what was in your account for the 60 days right before the bank froze your
money.
 new text end

new text begin Government Benefits
 new text end

new text begin Government benefits can include many things. For example:
 new text end

new text begin ... new text end MFIP - Minnesota Family Investment Programdeleted text begin ,
deleted text end

new text begin ... DWP - new text end MFIP Diversionary Work Programdeleted text begin ,
deleted text end

deleted text begin Work participation cash benefit,
 deleted text end

new text begin ... SNAP - Supplemental Nutrition Assistance Program
 new text end

new text begin ... new text end GA - General Assistancedeleted text begin ,
deleted text end

new text begin ... EGA - Emergency General Assistance
 new text end

new text begin ... MSA - Minnesota Supplemental Aid
 new text end

new text begin ... MSA-EA - MSA Emergency Assistance
 new text end

new text begin ... new text end EA - Emergency Assistancedeleted text begin ,
deleted text end

new text begin ... Energy or Fuel Assistance
 new text end

new text begin ... Work Participation Cash Benefit
 new text end

new text begin ... new text end MA - Medical Assistancedeleted text begin ,
deleted text end

deleted text begin EGA - emergency general assistance or county crisis funds,
 deleted text end

deleted text begin MSA - Minnesota supplemental aid,
 deleted text end

deleted text begin MSA-EA - MSA emergency assistance,
 deleted text end

deleted text begin Supplemental Nutrition Assistance Program (SNAP),
 deleted text end

deleted text begin SSI - Supplemental Security Income,
 deleted text end

new text begin ... new text end MinnesotaCaredeleted text begin ,
deleted text end

new text begin ... new text end Medicare Part B new text begin - new text end Premium Paymentsdeleted text begin ,deleted text end new text begin help
new text end

new text begin ... new text end Medicare Part D new text begin - new text end Extra deleted text begin help,
deleted text end

new text begin ... SSI - Supplemental Security Income
 new text end

deleted text begin Energy or fuel assistance,
 deleted text end

new text begin ... Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working Family
Credit
 new text end

new text begin ... Renter's Refund (also called Renter's Property Tax Credit)
 new text end

new text begin List the case number and county for every box you checked:
 new text end

new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end

new text begin Government benefits also include:
 new text end

new text begin ... new text end Social Security benefitsdeleted text begin ,
deleted text end

new text begin ... new text end Unemployment benefitsdeleted text begin ,
deleted text end

new text begin ... new text end Workers' compensationdeleted text begin ,
deleted text end

deleted text begin Veterans deleted text end new text begin ... new text end new text begin Veterans'new text end benefitsdeleted text begin .
deleted text end

deleted text begin Sending the creditor's attorney (or creditor, if no attorney) a copy of BANK
STATEMENTS that show what was in your account for the past 60 days may give the
creditor enough information about your exemption claim to avoid a garnishment.
 deleted text end

deleted text begin 2. Earnings
 deleted text end

deleted text begin All or some of your earnings may be completely protected from garnishment if:
 deleted text end

deleted text begin All of your earnings (wages) may be protected if:
 deleted text end

deleted text begin You get government benefits (see list of government benefits)
 deleted text end

deleted text begin You currently receive other assistance based on need
 deleted text end

deleted text begin You have received government benefits in the last six months
 deleted text end

deleted text begin You were in jail or prison in the last six months
 deleted text end

deleted text begin Your wages are only protected for 60 days after they are deposited in your account so
it would be helpful if you immediately send the undersigned creditor a copy of BANK
STATEMENTS that show what was in your account for the past 60 days.
 deleted text end

deleted text begin Some of your earnings (wages) may be protected if:
 deleted text end

deleted text begin If all of your earnings are not exempt, some of your earnings may still be protected for
20 days after they were deposited in your account. The amount protected is the larger amount
of:
 deleted text end

deleted text begin 75 percent of your wages (after taxes are taken out); or
 deleted text end

deleted text begin (insert the sum of the current federal minimum wage) multiplied by 40.
 deleted text end

new text begin If you get any of these government benefits, include copies of any documents that show
you get them.
 new text end

new text begin ... I get other assistance based on need that is not on the list. It comes from: .
new text end

new text begin .
new text end

new text begin Make sure you include copies of any documents that show this.
 new text end

new text begin Other Protected Funds
 new text end

The money from deleted text begin the followingdeleted text end new text begin these thingsnew text end are also deleted text begin exempt for 20 daysdeleted text end new text begin completely
protectednew text end after they are deposited in deleted text begin yourdeleted text end new text begin mynew text end account.

new text begin ... Child Support
 new text end

deleted text begin An accident, disability, or retirementdeleted text end new text begin ... A retirement, disability, or accidentnew text end pension
or annuity

deleted text begin Payments to deleted text begin youdeleted text end from a life insurance policy
 deleted text end

new text begin ... new text end Earnings of deleted text begin yourdeleted text end new text begin mynew text end child who is under 18 years of age

new text begin ... Payments to me from a life insurance policy
 new text end

deleted text begin Child support
 deleted text end

new text begin ... new text end Money paid to deleted text begin youdeleted text end new text begin menew text end from a claim for damage or destruction of property. Property
includes household goods, farm tools or machinery, tools for deleted text begin yourdeleted text end new text begin mynew text end job, business
equipment, a mobile home, a car, a musical instrument, a pew or burial lot, clothes, furniture,
or appliancesdeleted text begin .
deleted text end

new text begin ... new text end Death benefits paid to deleted text begin you.deleted text end new text begin me
new text end

You deleted text begin WILL BE ABLE TOdeleted text end new text begin cannew text end claim these exemptions when you deleted text begin RECEIVEdeleted text end new text begin getnew text end a
notice. You will get the notice at least deleted text begin tendeleted text end new text begin 10new text end days BEFORE a wage garnishment. BUT if
the creditor garnishes your bank account, you deleted text begin will notdeleted text end new text begin won'tnew text end get the notice until AFTER the
account has been frozen. If you believe the money in your bank account or your wages are
exempt, deleted text begin YOU SHOULD IMMEDIATELYdeleted text end contact the person belownew text begin right awaynew text end . deleted text begin YOU
SHOULDdeleted text end Tell them why you think your account or wages are exempt to see if you can
avoid garnishment.

deleted text begin Creditor .
deleted text end
deleted text begin Creditor Address .
deleted text end
deleted text begin Creditor telephone number .
deleted text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Sec. 14.

Minnesota Statutes 2024, section 571.74, is amended to read:


571.74 GARNISHMENT SUMMONS AND NOTICE TO DEBTOR.

The garnishment summons and notice to debtor must be substantially in the following
form. The notice to debtor must be in no smaller than 14-point type.

deleted text begin GARNISHMENT SUMMONS
 deleted text end
deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin UNPAID BALANCE .
deleted text end
deleted text begin . (Debtor's Address)
deleted text end 		deleted text begin Date of Entry
 deleted text end
deleted text begin . (Garnishee)
deleted text end 		deleted text begin of Judgment (or) Subject to Minnesota
Statutes, section 571.71, clause (2)
 deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Garnishment Summons
 new text end
new text begin and
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end
new text begin Unpaid Balance: .
new text end

deleted text begin GARNISHMENT SUMMONS
 deleted text end

deleted text begin The State of Minnesota
 deleted text end

To the deleted text begin Garnisheedeleted text end new text begin Third Party (garnishee)new text end named above:

deleted text begin You are hereby summoned and required to serve upon the creditor's attorney (or the
creditor if not represented by an attorney) and on the debtor within 20 days after service of
this garnishment summons upon you, a written disclosure, of the nonexempt indebtedness,
money, or other property due or belonging to the debtor and owing by you or in your
possession or under your control and answers to all written interrogatories that are served
with the garnishment summons. However, if the garnishment is on earnings and the debtor
has garnishable earnings, you shall serve the completed disclosure form on the creditor's
attorney, or the creditor if not represented by an attorney, within ten days of the last payday
to occur within the 90 days after the date of the service of this garnishment summons.
"Payday" means the day which you pay earnings in the ordinary course of business. If the
debtor has no regular paydays, "payday" means the 15th day and the last day of each month.
 deleted text end

deleted text begin Your disclosure need not exceed 110 percent of the amount of the creditor's claim that
remains unpaid.
 deleted text end

deleted text begin You shall retain garnishable earnings, other indebtedness, money, or other property in
your possession in an amount not to exceed 110 percent of the creditor's claim until such
time as the creditor causes a writ of execution to be served upon you, until the debtor
authorizes you in writing to release the property to the creditor, or until the expiration of
...... days from the date of service of this garnishment summons upon you, at which time
you shall return the disposable earnings, other indebtedness, money, or other property to
the debtor.
 deleted text end

new text begin A court has ordered that you must serve a written statement to the creditor (or to the
creditor's lawyer). You must do this within 20 days after you get this notice. Your written
statement should include any money, or other property of the debtor that you have or owe
to them. It should also include answers to any questions that are in this summons.
 new text end

new text begin But, if the garnishment is on earnings and the debtor has earnings that can be garnished,
fill out the completed disclosure form. Then serve it on the creditor (or the creditor's lawyer).
It must be served within 10 days of the last payday within the 90 days after the date you
got this summons. If the debtor has no regular paydays, "payday" means the 15th day and
the last day of each month.
 new text end

new text begin You don't have to disclose more than 110% of the unpaid amount that is owed to the
creditor. Keep earnings that can be garnished, other indebtedness, money, or other property
in your possession in an amount not to exceed 110 percent of the creditor's claim. Keep this
until:
 new text end

new text begin (i) the creditor has a writ of execution served on you;
 new text end

new text begin (ii) the debtor gives you permission in writing to release the property to the creditor; or
 new text end

new text begin (iii) it's been ... days from the day you got this garnishment summons.
 new text end

new text begin Then you give the debtor back the disposable earnings, other indebtedness, money, or other
property.
 new text end

Earnings

deleted text begin In the eventdeleted text end new text begin Ifnew text end you are summoned as a garnishee because you owe "earnings" deleted text begin (as defined
on the Earnings Garnishment Disclosure form attached to this Garnishment Summons, if
applicable)deleted text end to the debtor, then you deleted text begin are required todeleted text end new text begin mustnew text end serve deleted text begin upon the creditor's attorney,
or the creditor if not represented by an attorney, a writtendeleted text end new text begin annew text end Earnings Disclosure Form
deleted text begin withindeleted text end new text begin on the creditor (or the creditor's lawyer). The Earnings Disclosure Form must be in
writing and must be served innew text end the time limit set deleted text begin forthdeleted text end above.new text begin "Earnings" are defined on the
Earnings Garnishment Disclosure Form attached to this Garnishment Summons.
new text end

In the case of earningsnew text begin ,new text end you deleted text begin are further required to retain in your possessiondeleted text end new text begin must keepnew text end
all unpaidnew text begin ,new text end nonexempt disposable earnings deleted text begin owed or to be owed by you and earned or to be
earneddeleted text end new text begin that you owe or will owenew text end to the debtor deleted text begin withindeleted text end new text begin duringnew text end the pay period deleted text begin in whichdeleted text end new text begin whennew text end
this garnishment deleted text begin summonsdeleted text end new text begin noticenew text end is deleted text begin served and within all subsequent pay periods whose
paydays (defined above) occur within the 90 days after the date of service of this garnishment
summonsdeleted text end new text begin delivered and for all pay periods within 90 days after this notice is servednew text end .

deleted text begin Any assignment of earnings made by the debtor to any party within ten days before the
receipt of the first garnishment on a debt is void. Any indebtedness to you incurred by the
debtor within the ten days before the receipt of the first garnishment on a debt may not be
set off against amounts otherwise subject to the garnishment.
 deleted text end

new text begin Any transfer of earnings made by the debtor to someone else within 10 days before the
first garnishment notice is invalid. Any debt the debtor owes you from within those 10 days
can't be used to lower the amount that can be garnished.
 new text end

deleted text begin You are prohibiteddeleted text end By law deleted text begin from discharging or discipliningdeleted text end new text begin you can't fire or disciplinenew text end
the debtor because deleted text begin the debtor'sdeleted text end new text begin theirnew text end earnings have been subject to garnishment.

This Garnishment Summons includes:

(check deleted text begin applicable boxdeleted text end new text begin the boxes that applynew text end )

.
Earnings garnishment (see attached Earnings Disclosure Form)
.
Nonearnings garnishment (see attached Nonearnings Disclosure Form)
.
Both Earnings and Nonearnings garnishment (see both attached Earnings and
Nonearnings Disclosure Form)

Notice to Debtor

new text begin You are being served copies of new text end a Garnishment Summons, Earnings Garnishment
Disclosure Form, Nonwage Garnishment Disclosure Form, Garnishment Exemption Notices
and/or written Interrogatories (strike out if not applicable)deleted text begin ,deleted text end new text begin .new text end Copies of deleted text begin which are hereby
served on you, were served upon the Garnishee by delivering copiesdeleted text end new text begin these same documents
were also deliverednew text end to the Garnishee. The Garnishee was paid $15.

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Attorney for Creditor (or creditor)
 deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone
 deleted text end
deleted text begin .
deleted text end
deleted text begin Attorney I.D. No
 deleted text end
new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Sec. 15.

Minnesota Statutes 2024, section 571.75, subdivision 2, is amended to read:


Subd. 2.

Contents of disclosure.

The disclosure must state:

(a) If an earnings garnishment disclosure, the amount of disposable earnings earned by
the debtor within the debtor's pay periods as specified in section 571.921.

(b) If a nonearnings garnishment disclosure, a description of any personal property or
any instrument or papers relating to this property belonging to the judgment debtor or in
which the debtor is interested or other indebtedness of the garnishee to the debtor.

(c) If the garnishee asserts any setoff, defense, claim, or lien on disposable earnings,
other indebtedness, money, or property, the garnishee shall disclose the amount and the
facts concerning the same.

(d) Whether the debtor asserts any exemption, or any other objection, known to the
garnishee against the right of the creditor to garnish the disposable earnings, other
indebtedness, money, or property disclosed.

(e) If other persons assert claims to any disposable earnings, other indebtedness, money,
or property disclosed, the garnishee shall disclose the names and addresses of these claimants
and, so far as known by the garnishee, the nature of their claims.

(f) The garnishment disclosure forms and earnings disclosure worksheet must be the
same or substantially similar to the following forms. If the garnishment affects earnings of
the debtor, the creditor shall use the earnings garnishment disclosure form. If the garnishment
affects any indebtedness, money, or property of the debtor, other than earnings, the creditor
shall use the nonearnings garnishment disclosure form. Nothing contained in this paragraph
limits the simultaneous use of the earnings and nonearnings garnishment disclosure forms.

EARNINGS DISCLOSURE FORM AND WORKSHEET

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin GARNISHMENT
 deleted text end
deleted text begin . (Garnishee)
deleted text end 		deleted text begin EARNINGS DISCLOSURE
 deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Garnishment Earnings Disclosure
 new text end
new text begin and
 new text end 		new text begin For Non-Child Support Judgments
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin This form is called a "Garnishment Earnings Disclosure" or "Disclosure." It is for the
employer to fill out. The "debtor" is the person who owes money. The debtor gets a copy
of this form for their own information. The debtor is also called a "judgment debtor."
 new text end

new text begin The "creditor" is the party owed the money. The creditor is also called a "judgment
creditor."
 new text end

new text begin The "employer" is the "third party" or "garnishee." If the debtor asks how the calculations
in this document were made, the employer must provide information about it.
 new text end

Definitions

"Earnings": deleted text begin For the purpose of garnishment, "earnings" means compensationdeleted text end new text begin what isnew text end
paid or payable to an employeenew text begin , independent contractor or self-employed personnew text end for personal
services deleted text begin ordeleted text end new text begin (a job). Also callednew text end compensationnew text begin . Compensation can be wages, salary,
commission, bonus, payments, profit-sharing distributions, severance payment, fees or
other. It includes periodic payments from a pension or retirement. It can also be compensationnew text end
paid or payable to deleted text begin thedeleted text end new text begin anew text end producer for the sale of agricultural productsdeleted text begin ;deleted text end new text begin . This can be things
likenew text end milk or milk productsdeleted text begin ;deleted text end new text begin ,new text end or fruit or other horticultural productsnew text begin . Or thingsnew text end produced deleted text begin when
the producer is operatingdeleted text end new text begin in the operation ofnew text end a family farm, a family farm corporation, or
an authorized farm corporationdeleted text begin , asdeleted text end new text begin . This isnew text end defined in section 500.24, subdivision 2deleted text begin , whether
denominated as wages, salary, commission, bonus, or otherwise, and includes periodic
payments pursuant to a pension or retirementdeleted text end .

"Disposable Earnings": deleted text begin Means thatdeleted text end new text begin thenew text end part of deleted text begin thedeleted text end new text begin a person'snew text end earnings deleted text begin of an individual
remaining after the deduction from those earnings ofdeleted text end new text begin that are left after subtracting thenew text end
amounts required by law to be withheld. deleted text begin (Amountsdeleted text end new text begin Note: Amountsnew text end required by law to be
withheld do not include deleted text begin items such asdeleted text end new text begin things likenew text end health insurance, charitable contributions,
or other voluntary wage deductions.deleted text begin )
deleted text end

"Payday": deleted text begin For the purpose of garnishment, "payday(s)" means the date(s) upon whichdeleted text end new text begin
the date whennew text end the employer pays earnings to the debtor deleted text begin in the ordinary course of businessdeleted text end new text begin
for doing their jobnew text end . If the debtor has no regular payday, deleted text begin payday(s)deleted text end new text begin then "payday"new text end means the
deleted text begin fifteenthdeleted text end new text begin 15thnew text end and the last day of each month.

The new text begin Employer/new text end Garnishee Must Answer The Following Questions:

1. deleted text begin Do youdeleted text end new text begin Rightnew text end now deleted text begin owe, or within 90 days from the date the garnishment summons
was served on you, will you ordeleted text end new text begin ,new text end do you deleted text begin expect todeleted text end owe money to the debtor for earnings?

deleted text begin Yes .....
 deleted text end 		deleted text begin No .....
 deleted text end
new text begin Yes .....
 new text end 		new text begin No .....
 new text end

new text begin 2. Within 90 days from the date you were served with the garnishment, will you or may
you owe money to the debtor for earnings?
 new text end

new text begin Yes .....
 new text end 		new text begin No .....
 new text end

deleted text begin 2deleted text end new text begin 3new text end . Does the debtor earn more than deleted text begin $........ per week? (This amount is the greater of
$9.50 per hour ordeleted text end thenew text begin current Minnesota ornew text end federal minimum wage per weekdeleted text begin .)deleted text end new text begin ? (use the
number that is more)
new text end

deleted text begin Yes .....
 deleted text end 		deleted text begin No .....
 deleted text end
new text begin Yes .....
 new text end 		new text begin No .....
 new text end

deleted text begin INSTRUCTIONS FOR COMPLETING THE
 deleted text end

deleted text begin EARNINGS DISCLOSURE
 deleted text end

deleted text begin A. If your answer to either question 1 or 2 is "No," then you must sign the affirmation
on Page 2 and return this disclosure to the creditor's attorney (or the creditor if not represented
by an attorney) within 20 days after it was served on you, and you do not need to answer
the remaining questions.
 deleted text end

deleted text begin B. If your answers to both questions 1 and 2 are "Yes," you must complete this form
and the Earnings Disclosure Worksheet as follows:
 deleted text end

new text begin A. If you answer "No" to question 1, 2, or 3, you don't need to answer the rest of the
questions. You don't have to do the Earnings Disclosure Worksheet. Sign the Earnings
Disclosure Affirmation below and return this disclosure form to the creditor's attorney (or
the creditor if not represented by an attorney). You must return it within 20 days after it
was served on you.
 new text end

new text begin B. If you answer "Yes" to question 1 or 2, and "Yes" to question 3, sign the Earnings
Disclosure Affirmation below. You must return it to the creditor's attorney (or the creditor
if not represented by an attorney) within 20 days. You must also fill out the rest of this form.
Read the instructions for the Earnings Disclosure Worksheet.
 new text end

new text begin Earnings Disclosure Affirmation
 new text end

new text begin I, ........................ (person signing Affirmation), am the third party/employer or I am
authorized by the third party/employer to complete this earnings disclosure and have done
so truthfully and to the best of my knowledge.
 new text end

new text begin Date: .
new text end
new text begin Signature of Third Party/Employer:
 new text end
new text begin .
new text end
new text begin Title: .
new text end
new text begin Phone: .
new text end

new text begin Instructions for Completing the Earnings Disclosure Worksheet
 new text end

For each payday that falls within 90 days from the date the garnishment deleted text begin summonsdeleted text end was
served on you, you must calculate the amount of earnings to be deleted text begin retained by completing
Steps 3 through 11, and enter the amounts on the Earnings Disclosure Worksheet. UPON
REQUEST, THE EMPLOYER MUST PROVIDE THE DEBTOR WITH
INFORMATION AS TO HOW THE CALCULATIONS REQUIRED BY THIS
DISCLOSURE WERE MADE.deleted text end new text begin withheld. Enter the amounts on the Earnings Disclosure
Worksheet.
new text end

deleted text begin Each payday, you must retain the amount of earnings listed in Column I on the Earnings
Disclosure Worksheet.
 deleted text end

deleted text begin You must return this Earnings Disclosure Form and the Earnings Disclosure Worksheet
to the creditor's attorney (or the creditor if not represented by an attorney) and deliver
a copy to the debtor within ten days after the last payday that falls within the 90-day
period.
 deleted text end

deleted text begin If the claim is wholly satisfied or if the debtor's employment ends before the expiration
of the 90-day period, your disclosure should be made within ten days after the last payday
for which earnings were attached.
 deleted text end

deleted text begin For Steps 3 through 11, "Columns" refers to columns on the Earnings Disclosure Worksheet.
 deleted text end

deleted text begin 3.
 deleted text end 		deleted text begin COLUMN A.
 deleted text end 		deleted text begin Enter the date of debtor's payday.
 deleted text end
deleted text begin 4.
 deleted text end 		deleted text begin COLUMN B.
 deleted text end 		deleted text begin Enter debtor's gross earnings for each payday.
 deleted text end
deleted text begin 5.
 deleted text end 		deleted text begin COLUMN C.
 deleted text end 		deleted text begin Enter debtor's disposable earnings for each payday.
 deleted text end
deleted text begin 6.
 deleted text end 		deleted text begin COLUMN D.
 deleted text end 		deleted text begin Enter 25 percent of disposable earnings. (Multiply
Column C by .25.)
 deleted text end
deleted text begin 7.
 deleted text end 		deleted text begin COLUMN E.
 deleted text end 		deleted text begin Enter here the greater of 40 times $9.50 or 40 times the
hourly federal minimum wage ($..........) times the
number of work weeks included in each payday. (Note:
If a pay period includes days in excess of whole work
weeks, the additional days should be counted as a
fraction of a work week equal to the number of
workdays in excess of a whole work week divided by
the number of workdays in a normal work week.)
 deleted text end
deleted text begin 8.
 deleted text end 		deleted text begin COLUMN F.
 deleted text end 		deleted text begin Subtract the amount in Column E from the amount in
Column C, and enter here.
 deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin COLUMN G.
 deleted text end 		deleted text begin Enter here the lesser of the amount in Column D and
the amount in Column F.
 deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin COLUMN H.
 deleted text end 		deleted text begin Enter here any amount claimed by you as a setoff,
defense, lien, or claim, or any amount claimed by any
other person as an exemption or adverse interest which
would reduce the amount of earnings owing to the
debtor. (Note: Any indebtedness to you incurred by the
debtor within the ten days before the receipt of the first
garnishment on a debt may not be set off against
amounts otherwise subject to the garnishment. Any
assignment of earnings made by the debtor to any party
within ten days before the receipt of the first
garnishment on a debt is void.)
 deleted text end
deleted text begin You must also describe your claim(s) and the claims of
others, if known, in the space provided below the
worksheet and state the name(s) and address(es) of these
persons.
 deleted text end
deleted text begin Enter zero in Column H if there are no claims by you
or others which would reduce the amount of earnings
owing to the debtor.
 deleted text end
deleted text begin 11.
 deleted text end 		deleted text begin COLUMN I.
 deleted text end 		deleted text begin Subtract the amount in Column H from the amount in
Column G and enter here. This is the amount of earnings
that you must retain for the payday for which the
calculations were made.
 deleted text end

deleted text begin AFFIRMATION
 deleted text end

deleted text begin I, ...................... (person signing Affirmation), am the garnishee or I am authorized by
the garnishee to complete this earnings disclosure, and have done so truthfully and to the
best of my knowledge.
 deleted text end

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone Number
 deleted text end

deleted text begin EARNINGS DISCLOSURE WORKSHEET
 deleted text end

deleted text begin .............................
 deleted text end

deleted text begin Debtor's Name
 deleted text end

new text begin You must:
 new text end

new text begin 1. Withhold the amount of earnings listed in column I on the Earnings Disclosure
Worksheet each payday.
 new text end

new text begin 2. After 90 days, return this Earnings Disclosure Worksheet to the creditor's attorney
(or the creditor if not represented by an attorney). Include all the money withheld. Sign the
Affirmation at the end of the worksheet before returning.
 new text end

new text begin 3. Deliver a copy of the disclosure and worksheet to the debtor within 10 days after the
last payday that falls within the 90-day period.
 new text end

new text begin If the debt (judgment) is fully paid off or if the debtor's job ends before the 90-day period
is over, you need to do the last disclosure and withholdings within 10 days of their last
payday that you withheld money.
 new text end

new text begin Calculating Percentage of Disposable Earnings
 new text end

new text begin new text begin Note to Creditor:new text end You must fill out this chart before sending this form to the employer.
Use the current minimum wage found online at: https://www.dli.mn.gov/minwage.
 new text end

new text begin Minimum Wage = $MW/hour.
 new text end

new text begin if the weekly gross earnings are:
 new text end 		new text begin then this percentage of the disposable
earnings are withheld:
 new text end
new text begin Less than [40 X MW]
 new text end 		new text begin 0%
 new text end
new text begin [40 X MW + .01] to [60 X MW]
 new text end 		new text begin 10%
 new text end
new text begin [60 X MW + .01] to [80 X MW]
 new text end 		new text begin 15%
 new text end
new text begin [80 X MW + .01] or more
 new text end 		new text begin 25%
 new text end

new text begin new text begin Employer:new text end Use this creditor's calculation chart to know what percentage of earnings
should be withheld.
 new text end

new text begin Earnings Disclosure Worksheet
 new text end

new text begin .
new text end
new text begin Debtor's Name
 new text end
A
 B
 C
Payday Date
 Gross Earnings
 Disposable
Earnings
1.
 .
$ .
$ .
2.
 .
.
.
3.
 .
.
.
4.
 .
.
.
5.
 .
.
.
6.
 .
.
.
7.
 .
.
.
deleted text begin 8.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin new text begin Column A.new text end Enter the debtor's payday.
 new text end

new text begin new text begin Column B.new text end Enter the debtor's gross earnings for each payday.
 new text end

new text begin new text begin Column C.new text end Enter the debtor's disposable earnings for each payday.
 new text end

D
 E
 F
deleted text begin 25deleted text end % of new text begin withholding
of new text end Column C
new text begin (Use the creditor's
calculation chart)
new text end 		Greater of 40 X
deleted text begin $9.50 or 40 Xdeleted text end new text begin
MN ornew text end Fed. Min.
Wage
 Column C minus
Column E
1.
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deleted text begin 8.
 deleted text end 		deleted text begin .
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deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end

new text begin new text begin Column D.new text end Enter the percentage of disposable earnings that will be withheld. Get this
number from the creditor's calculation chart.
 new text end

new text begin new text begin Column E.new text end Calculate 40 times the current Minnesota minimum wage (or 40 times the
current federal minimum wage) times the number of work weeks in each payday. Enter the
bigger number here. Note: If a payday has extra days that are more than a full work week,
count those extra days as part of a work week. Do this by dividing the number of extra
workdays by the number of workdays in a normal week.
 new text end

new text begin new text begin Column F.new text end Subtract the amount in column E from the amount in column C and enter
here.
 new text end

G
 H
 I
Lesser of Column D
and Column F
 Setoff, Lien,
Adverse Interest,
or Other Claims
 Column G minus
Column H
1.
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deleted text begin 8.
 deleted text end 		deleted text begin .
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deleted text end
deleted text begin 9.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin 10.
 deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
Total of Column Inew text begin =
new text end 		$ .

new text begin new text begin Column G.new text end Look at column D and column F. Enter the smaller amount of the two here
in column G.
 new text end

new text begin new text begin Column H.new text end Enter any amount claimed by you that would lower the amount of earnings
that will go to the debtor. Things like:
 new text end

new text begin (i) a setoff,
 new text end

new text begin (ii) a defense,
 new text end

new text begin (iii) a lien,
 new text end

new text begin (iv) a claim, or
 new text end

new text begin (v) any amount claimed by any other person as an exemption or adverse interest.
 new text end

new text begin new text begin Note:new text end You must describe your claim(s) and the claims of others, if known, in the spaces
after this worksheet.
 new text end

new text begin Enter zero in column H if there are no claims by you or others which would lower the
amount of earnings owed to the debtor.
 new text end

new text begin new text begin Note:new text end Any debt that happened within 10 days before you got the first garnishment on a
debt may not be set off against the earnings that are affected by this garnishment. Any wage
assignment made by the debtor within 10 days before you got the first garnishment on a
debt is void. Wage assignment is when a debtor voluntarily agrees to money being taken
out of their earnings.
 new text end

new text begin new text begin Column I.new text end Subtract the amount in column H from the amount in column G and enter
here. This is the amount of earnings that go to the creditor.
 new text end

deleted text begin *deleted text end If you entered any amount in Column H for any deleted text begin payday(s), you mustdeleted text end new text begin payday,new text end describe
new text begin those claims new text end below deleted text begin eitherdeleted text end new text begin . It doesn't matter if they arenew text end your claims, or the claims of others.
For deleted text begin amounts claimeddeleted text end new text begin claimsnew text end by others deleted text begin you must both statedeleted text end new text begin , listnew text end the names and addresses of
deleted text begin these personsdeleted text end new text begin eachnew text end , and deleted text begin the nature ofdeleted text end new text begin describenew text end their deleted text begin claimdeleted text end new text begin claimsnew text end , if deleted text begin knowndeleted text end new text begin you knownew text end .

.

.

.

deleted text begin AFFIRMATION
 deleted text end

new text begin Earnings Worksheet Affirmation
 new text end

I, ........................ (person signing Affirmation), am the third deleted text begin partydeleted text end new text begin party/employernew text end or I
am authorized by the third deleted text begin partydeleted text end new text begin party/employernew text end to complete this earnings disclosure
deleted text begin worksheet,deleted text end and have done so truthfully and to the best of my knowledge.

deleted text begin Dated: .
deleted text end
deleted text begin Signature .
deleted text end
deleted text begin Title .
deleted text end
deleted text begin Telephone Number (....) .
deleted text end
new text begin Date: .
new text end
new text begin Third Party's Name: .
new text end
new text begin Third Party's Signature: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

EARNINGS DISCLOSURE FORM AND WORKSHEET

FOR CHILD SUPPORT DEBTOR

STATE OF MINNESOTA
 DISTRICT COURT
COUNTY OF .
. JUDICIAL DISTRICT
. (Creditor)
. (Debtor)
GARNISHMENT
. (Garnishee)
EARNINGS DISCLOSURE

DEFINITIONS

"EARNINGS": For the purpose of execution, "earnings" means compensation paid or
payable to an employee for personal services or compensation paid or payable to the producer
for the sale of agricultural products; milk or milk products; or fruit or other horticultural
products produced when the producer is operating a family farm, a family farm corporation,
or an authorized farm corporation, as defined in section 500.24, subdivision 2, whether
denominated as wages, salary, commission, bonus, or otherwise, and includes periodic
payments pursuant to a pension or retirement, workers' compensation, or unemployment
benefits.

"DISPOSABLE EARNINGS": Means that part of the earnings of an individual remaining
after the deduction from those earnings of amounts required by law to be withheld. (Amounts
required by law to be withheld do not include items such as health insurance, charitable
contributions, or other voluntary wage deductions.)

"PAYDAY": For the purpose of execution, "payday(s)" means the date(s) upon which
the employer pays earnings to the debtor in the ordinary course of business. If the judgment
debtor has no regular payday, payday(s) means the 15th and the last day of each month.

THE GARNISHEE MUST ANSWER THE FOLLOWING QUESTION:

(1) Do you now owe, or within 90 days from the date the execution levy was served on
you, will you or may you owe money to the debtor for earnings?

Yes .
No .

INSTRUCTIONS FOR COMPLETING THE

EARNINGS DISCLOSURE

A. If your answer to question 1 is "No," then you must sign the affirmation below and
return this disclosure to the creditor's attorney (or the creditor if not represented by an
attorney) within 20 days after it was served on you, and you do not need to answer the
remaining questions.

B. If your answer to question 1 is "Yes," you must complete this form and the Earnings
Disclosure Worksheet as follows:

For each payday that falls within 90 days from the date the garnishment summons was
served on you, YOU MUST calculate the amount of earnings to be retained by completing
steps 2 through 8 on page 2, and enter the amounts on the Earnings Disclosure Worksheet.
UPON REQUEST, THE EMPLOYER MUST PROVIDE THE DEBTOR WITH
INFORMATION AS TO HOW THE CALCULATIONS REQUIRED BY THIS
DISCLOSURE WERE MADE.

Each payday, you must retain the amount of earnings listed in column G on the Earnings
Disclosure Worksheet.

You must pay the attached earnings and return this earnings disclosure form and the
Earnings Disclosure Worksheet to the creditor's attorney (or the creditor if not represented
by an attorney) and deliver a copy to the debtor within ten days after the last payday
that falls within the 90-day period. If the claim is wholly satisfied or if the debtor's
employment ends before the expiration of the 90-day period, your disclosure should be
made within ten days after the last payday for which earnings were attached.

For steps 2 through 8, "columns" refers to columns on the Earnings Disclosure Worksheet.

(2) COLUMN A. Enter the date of debtor's payday.

(3) COLUMN B. Enter debtor's gross earnings for each payday.

(4) COLUMN C. Enter debtor's disposable earnings for each payday.

(5) COLUMN D. Enter either 50, 55, 60, or 65 percent of disposable earnings, based
on which of the following descriptions fits the child support judgment debtor:

(a) 50 percent of the judgment debtor's disposable income, if the judgment debtor is
supporting a spouse or dependent child and the judgment is 12 weeks old or less (12 weeks
to be calculated to the beginning of the work week in which the execution levy is received);

(b) 55 percent of the judgment debtor's disposable income, if the judgment debtor is
supporting a spouse or dependent child, and the judgment is over 12 weeks old (12 weeks
to be calculated to the beginning of the work week in which the execution levy is received);

(c) 60 percent of the judgment debtor's disposable income, if the judgment debtor is not
supporting a spouse or dependent child and the judgment is 12 weeks old or less (12 weeks
to be calculated to the beginning of the work week in which the execution levy is received);
or

(d) 65 percent of the judgment debtor's disposable income, if the judgment debtor is not
supporting a spouse or dependent child, and the judgment is over 12 weeks old (12 weeks
to be calculated to the beginning of the work week in which the execution levy is received).
(Multiply column C by .50, .55, .60, or .65, as appropriate.)

(6) COLUMN E. Enter here any amount claimed by you as a setoff, defense, lien, or
claim, or any amount claimed by any other person as an exemption or adverse interest that
would reduce the amount of earnings owing to the debtor. (Note: Any assignment of earnings
made by the debtor to any party within ten days before the receipt of the first garnishment
on a debt is void. Any indebtedness to you incurred by the debtor within the ten days before
the receipt of the first garnishment on a debt may not be set off against amounts otherwise
subject to the garnishment.)

You must also describe your claim(s) and the claims of others, if known, in the space
provided below the worksheet and state the name(s) and address(es) of these persons.

Enter zero in column E if there are no claims by you or others that would reduce the
amount of earnings owing to the judgment debtor.

(7) COLUMN F. Subtract the amount in column E from the amount in column D and
enter here. This is the amount of earnings that you must remit for the payday for which the
calculations were made.

AFFIRMATION

I, ................... (person signing Affirmation), am the garnishee or I am authorized by the
garnishee to complete this earnings disclosure, and have done so truthfully and to the best
of my knowledge.

Dated: .
.
Signature
.
Title
.
Telephone Number
EARNINGS DISCLOSURE
WORKSHEET
 .
Debtor's Name
A
 B
 C
Payday Date
 Gross Earnings
 Disposable
Earnings
1.
 .
$ .
$ .
2.
 .
.
.
3.
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.
4.
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5.
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9.
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10.
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.
.
D
 E
 F
Either 50, 55, 60, or
65% of Column C
 Setoff, Lien,
Adverse Interest,
or Other Claims
 Column D minus
Column E
1.
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2.
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9.
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10.
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.
TOTAL OF COLUMN F $ .

*If you entered any amount in column E for any payday(s), you must describe below
either your claims, or the claims of others. For amounts claimed by others, you must both
state the names and addresses of such persons, and the nature of their claim, if known.

.

.

.

AFFIRMATION

I, ................. (person signing Affirmation), am the third party or I am authorized by the
third party to complete this earnings disclosure worksheet, and have done so truthfully and
to the best of my knowledge.

.
Signature
Dated: .
.
(....) .
Title
 Phone Number

NONEARNINGS DISCLOSURE FORM

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin against
 deleted text end deleted text begin deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin NONEARNINGS DISCLOSURE
 deleted text end
deleted text begin and
 deleted text end
deleted text begin . (Garnishee)
deleted text end

deleted text begin On the ......... day of .............., ............, the time of service of garnishment summons
herein, there was due and owing the debtor from the garnishee the following:
 deleted text end

new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Non-Earnings Disclosure
 new text end
new text begin against
 new text end 		new text begin For Non-Child Support Judgments
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin This form is called a "Non-Earnings Disclosure" or "Disclosure." It is being sent to you
because you might be holding property that belongs to the debtor, or you might owe money
to the debtor.
 new text end

new text begin You are the "third party" or "garnishee." The "debtor" is the person who owes money.
The debtor is also called the "judgment debtor." The "creditor" is the person the debtor owes
money to. The creditor is also called the "judgment creditor." The debtor owes $..................
to the creditor.
 new text end

new text begin You must list any money or property you owe the debtor on the lines below and sign
the affirmation. Write "none" on the line if that is your answer. You must then return this
disclosure to the creditor (or the creditor's lawyer) within 20 days after you got it.
 new text end

new text begin Fill in the date you got this disclosure:
 new text end

new text begin . (month)
new text end 		new text begin . (day),
new text end 		new text begin . (year)
new text end

new text begin On the date you got this disclosure, you owed the debtor:
 new text end

(1) Money. deleted text begin Enter on the line below any amounts due and owing the debtor, except
earnings, from the garnisheedeleted text end new text begin Write down the amount of money you owe the debtor (except
earnings)new text end .

.

(2) Property. deleted text begin Describe on the line belowdeleted text end new text begin Write a short description ofnew text end any personal
property, instruments, or papers belonging to the debtor deleted text begin and in the possession of the garnisheedeleted text end new text begin
that you have in your possession. List the monetary value of each thingnew text end .

.

(3) Setoff. deleted text begin Enter on the line below the amount of anydeleted text end new text begin If you claim anew text end setoff, defense, lien,
or claim deleted text begin which the garnishee claimsdeleted text end against the amount deleted text begin set forthdeleted text end on lines (1) and (2) abovenew text begin
enter that amount on the line belownew text end . State the facts deleted text begin by which the setoff, defense, lien, ordeleted text end new text begin
about yournew text end claim deleted text begin is claimeddeleted text end . deleted text begin (Any indebtedness to a garnishee incurred by the debtor within
the ten days before the receipt of the first garnishment on a debt may not be set off against
amounts otherwise subject to the garnishment.)deleted text end new text begin Note: Any payment the debtor makes to
the garnishee within the 10 days before they get the first garnishment order on that debt
can't be used to lower the amount that is being garnished.
new text end

.

(4) Exemption. Enter deleted text begin on the line belowdeleted text end any amounts or property deleted text begin claimed by the debtor
to be exempt from executiondeleted text end new text begin that the debtor claims is exempt on the line belownew text end .

.

(5) Adverse Interest. Enter on the line below any amounts deleted text begin claimed by other persons by
reason of ownership or interest in the debtor's propertydeleted text end new text begin of the debtor's property that other
people claim they own or have interest innew text end .

.

(6) Enter deleted text begin ondeleted text end the deleted text begin line below thedeleted text end total of lines (3), (4), and (5)new text begin on the line belownew text end .

.

(7) Enter deleted text begin on the line belowdeleted text end the difference obtained (never less than zero) when line (6)
is subtracted from the sum of lines (1) and (2)new text begin on the line belownew text end .

.

(8) deleted text begin Enter on the line belowdeleted text end new text begin Figure outnew text end 110 percent of the amount of the creditor's claim
which deleted text begin remainsdeleted text end new text begin is stillnew text end unpaid.new text begin Enter it on the line below.
new text end

.

(9) deleted text begin Enter on the line below the lesser of linedeleted text end new text begin Look atnew text end (7) and deleted text begin linedeleted text end (8). deleted text begin Retaindeleted text end new text begin Put the
smaller number on the line below. Holdnew text end this amount only if it is $10 or more.

.

AFFIRMATION

I, .......................... (person signing Affirmation), am the garnishee or I am authorized
by the garnishee to complete this nonearnings garnishment disclosuredeleted text begin , anddeleted text end new text begin . Inew text end have done so
truthfully and to the best of my knowledge.

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Signature
 deleted text end
deleted text begin .
deleted text end
deleted text begin Title
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone Number
 deleted text end
new text begin Date: .
new text end
new text begin Name: .
new text end
new text begin Signature: .
new text end
new text begin Title: .
new text end
new text begin Phone: .
new text end 		new text begin Email: .
new text end

Sec. 16.

Minnesota Statutes 2024, section 571.912, is amended to read:


571.912 FORM OF NOTICE, INSTRUCTIONS, AND EXEMPTION NOTICE.

Subdivision 1.

Form of notice.

The notice, instructions, and exemption notice informing
a debtor that a garnishment summons has been used to attach funds of the debtor to satisfy
a claim must be a separate notice and must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end
deleted text begin . (Financial institution)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

Important Notice

deleted text begin YOUR FUNDS HAVE BEEN GARNISHED
 deleted text end

new text begin Money in Your Account Has Been Frozen
 new text end

The Creditor has frozen money in your account at your deleted text begin financial institutiondeleted text end new text begin banknew text end .

Your account balance is $.......

The amount being held is $.......

The amount being held deleted text begin will bedeleted text end new text begin isnew text end frozen for 14 days from the date of this notice.

Some of your money in your account may be protected (the legal word is exempt).
You may be able to get it sooner than 14 days if you act quickly and follow the
instructions on the next page.

The attached exemption form lists some different deleted text begin sources ofdeleted text end new text begin waysnew text end money in your account
deleted text begin thatdeleted text end may be protected. If your money deleted text begin isdeleted text end new text begin comesnew text end from deleted text begin one or more of these sources, placedeleted text end new text begin a
benefit on the list, putnew text end a check on the line deleted text begin on the form next to the sources of your money.
If it is from one of these sources,deleted text end new text begin next to it.new text end The creditor deleted text begin cannotdeleted text end new text begin can'tnew text end take it.

BUT,new text begin if you want the bank to unfreeze your money,new text end you must follow the instructions
and return the exemption form deleted text begin anddeleted text end new text begin withnew text end copies of your bank statements from the last
60 days deleted text begin to have the bank unfreeze your moneydeleted text end . new text begin Instructions and the form are attached. new text end If
you deleted text begin do notdeleted text end new text begin don'tnew text end follow the instructions deleted text begin or your Creditor gets an order from the court or writ
of execution,deleted text end your deleted text begin financial institution will givedeleted text end new text begin bank givesnew text end the money to your creditor. new text begin If
your creditor gets an order from the court or writ of execution, your bank gives the money
to them. new text end If that happens and deleted text begin itdeleted text end new text begin your moneynew text end is protected, you can still get it back from the
creditor laterdeleted text begin ,deleted text end new text begin .new text end But deleted text begin that is not as easy to do asdeleted text end filling deleted text begin indeleted text end new text begin outnew text end the form nownew text begin is easiestnew text end .

See next pages for instructions and the exemption form.

Subd. 2.

Form of instructions.

The instructions required must be in a separate form
and must be substantially in the following form:

Instructions

Note: The creditor is who you owe the money to. You are the debtor.

1. Fill out both of the attached exemption forms in this packet.

If you check one of the lines, you should also give proofnew text begin . Use proofnew text end that deleted text begin showsdeleted text end new text begin shownew text end
that some or all of the money in your account is from one or more of the protected sources.
new text begin This might be letters or account statements. new text end Creditors may ask for a hearing if they question
your exemptions.

To avoid a hearing:

new text begin (i) new text end Case numbers should be added to the form.

new text begin (ii) new text end Copies of documents should be sent with the form.

Notice: You must send deleted text begin to the creditor's attorney (or to the creditor, if no attorney)deleted text end copies
of your bank statements for the past 60 days before the garnishment. new text begin Send them to the
creditor (or to the creditor's lawyer). new text end Keep a copy of your bank statements in case there are
questions about your claim. If you deleted text begin do notdeleted text end new text begin don'tnew text end send new text begin bank statements new text end to the deleted text begin creditor's attorney
(or to the creditor, if no attorney) bank statementsdeleted text end new text begin creditor (or to the creditor's lawyer) alongnew text end
with your exemption claim, the financial institution may deleted text begin releasedeleted text end new text begin givenew text end your money to the
creditornew text begin . They would do thisnew text end once the creditor gives deleted text begin the financial institutiondeleted text end new text begin themnew text end a court
order deleted text begin directing itdeleted text end new text begin saying they havenew text end to turn over the funds.

2. Sign the exemption forms. Make deleted text begin onedeleted text end new text begin anew text end copy to keep for yourself.

3. Mail or deliver the other copies of the form by (insert date).

Both Copies Must Be Mailed or Delivered the Same Day.

One copy of the form and the copies of your bank statements go to:

deleted text begin .
deleted text end
deleted text begin (Insert name of creditor or creditor's attorney)
 deleted text end
deleted text begin .
deleted text end
deleted text begin (Insert address of creditor or creditor's attorney)
 deleted text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

One copy goes to:

deleted text begin .
deleted text end
deleted text begin (Insert name of bank)
 deleted text end
deleted text begin .
deleted text end
deleted text begin (Insert address of bank)
 deleted text end
new text begin Bank's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

How The Process Works

If You deleted text begin Do Notdeleted text end new text begin Don'tnew text end Send in the Exemption Form and Bank Statements:

14 days after the date of this letter some or all of your money may be turned over to the
creditornew text begin . This happensnew text end once they get an order from the court telling the deleted text begin financial institutiondeleted text end new text begin
banknew text end to do this.

If You new text begin Do new text end Send in the Exemption Form and Bank Statements:

Any money that is NOT protected can be turned over to the creditor once they get an
order from the court.

If the Creditor Does Not Objectnew text begin to Your Claimed Exemptionsnew text end :

The deleted text begin financial institution willdeleted text end new text begin bank shouldnew text end unfreeze your money deleted text begin sixdeleted text end new text begin 6new text end business days after
deleted text begin the institution getsdeleted text end new text begin they getnew text end your completed form.new text begin If they don't, ask the creditor or the
creditor's lawyer to send a release letter to the bank.
new text end

If the Creditor Objectsnew text begin to Your Claimed Exemptionsnew text end :

The money you deleted text begin havedeleted text end said is protected on the form deleted text begin will bedeleted text end new text begin isnew text end held by the bank. The
creditor has deleted text begin sixdeleted text end new text begin 6new text end business days to object (disagree) and ask the court to hold a hearing. You
deleted text begin will receivedeleted text end new text begin getnew text end a Notice of Objection and a Notice of Hearing.

The deleted text begin financial institution will holddeleted text end new text begin bank holdsnew text end the money until a court decides deleted text begin whetherdeleted text end new text begin
ifnew text end your money is protected or not. Some reasons a creditor may object are because you deleted text begin did
notdeleted text end new text begin didn'tnew text end send copies of your bank statements or other proof of the benefits you deleted text begin receiveddeleted text end new text begin
gotnew text end . Be sure to include these when you send your exemption form.

You may want to talk to a lawyer for advice about this process. If you are low income
you can call Legal Aidnew text begin statewide at 1(877) 696-6529new text end .

deleted text begin PENALTIES:
 deleted text end

new text begin Warnings and Fines
 new text end

If you claim that your money is protected and a court decides you made that claim in
bad faith, deleted text begin the courtdeleted text end new text begin theynew text end can order you to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees,
and deleted text begin an additional amount ofdeleted text end new text begin a finenew text end up to $100. new text begin Bad faith is when someone does something
wrong on purpose. new text end For example, it may be bad faith if you claim you deleted text begin receivedeleted text end new text begin getnew text end government
benefits deleted text begin that you do not receivedeleted text end new text begin and you don'tnew text end .

If the creditor made a bad faith objection to your claim that your money is protected,
the court can order them to pay costs, actual damages, deleted text begin attorneydeleted text end new text begin lawyernew text end fees, and deleted text begin an additional
amount ofdeleted text end new text begin a finenew text end up to $100.

Subd. 3.

Exemption notice.

The exemption notice must be a separate form and must
be in substantially the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end
deleted text begin . (Financial institution)
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Exemption Form
 new text end
new text begin vs.
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Bank's name
 new text end
new text begin .
new text end

deleted text begin EXEMPTION FORM
 deleted text end

A.
 How Much Money is Protectednew text begin (exempt)
new text end
deleted text begin .
deleted text end 		new text begin ... new text end I claim ALL of the money being frozen by the bank is protected.
deleted text begin .
deleted text end 		new text begin ... new text end I claim SOME of the money is protected. The amount I claim is protected is $.......
B.
 Why The Money is Protected
My money is protected because I get it from one or more of the following places:
(Check all that apply)
new text begin Earnings (Wages)
 new text end
new text begin ALL or SOME of my wages may be protected.
 new text end
new text begin ... Some of my wages are protected because they were only deposited in my account
in the last 20 days.
 new text end
new text begin For wages that were deposited in your account within the last 20 days, the amount
protected is whichever is more:
 new text end
new text begin (i) 75% of your wages or more (after taxes are taken out), or
 new text end
new text begin (ii) The current minimum wage times 40 per week. You can find the current minimum
wage here: https://www.dli.mn.gov/minwage.
 new text end
new text begin new text begin Allnew text end of my wages are protected because:
 new text end
new text begin ... I get government benefits (a list of government benefits is on the next page)
 new text end
new text begin ... I am getting other assistance based on need
 new text end
new text begin ... I have gotten government benefits in the last 6 months
 new text end
new text begin ... I was in jail or prison in the last 6 months
 new text end
new text begin If you check one of these 4 boxes, your wages are only protected for 60 days after
they are deposited in your account. You MUST send the creditor copies of bank
statements that show what was in your account for the 60 days right before the
bank froze your money.
 new text end
deleted text begin .
deleted text end 		Government Benefits
Government benefits new text begin can new text end includedeleted text begin , but are not limited to, the followingdeleted text end new text begin many things.
For examplenew text end :
new text begin ... new text end MFIP - Minnesota Family Investment Programdeleted text begin ,
deleted text end
new text begin ... DWP - new text end MFIP Diversionary Work Programdeleted text begin ,
deleted text end
new text begin ... SNAP - Supplemental Nutrition Assistance Program
 new text end
deleted text begin Work participation cash benefit,
 deleted text end
new text begin ... new text end GA - General Assistancedeleted text begin ,
deleted text end
deleted text begin EA deleted text end deleted text begin - emergency assistance,
 deleted text end
deleted text begin MA deleted text end deleted text begin - medical assistance,
 deleted text end
new text begin ... new text end EGA - Emergency General Assistancedeleted text begin ,
deleted text end
new text begin ... new text end MSA - Minnesota Supplemental Aiddeleted text begin ,
deleted text end
new text begin ... new text end MSA-EA - MSA Emergency Assistancedeleted text begin ,
deleted text end
new text begin ... EA - Emergency Assistance
 new text end
new text begin ... Energy or Fuel Assistance
 new text end
new text begin ... Work Participation Cash Benefit
 new text end
new text begin ... MA - Medical Assistance
 new text end
deleted text begin Supplemental Nutrition Assistance Program (SNAP),
 deleted text end
deleted text begin SSI - Supplemental Security Income,
 deleted text end
new text begin ... new text end MinnesotaCaredeleted text begin ,
deleted text end
new text begin ... new text end Medicare Part B new text begin - new text end Premium Paymentsdeleted text begin ,deleted text end new text begin help
new text end
new text begin ... new text end Medicare Part D new text begin - new text end Extra deleted text begin help,
deleted text end
deleted text begin Energy or fuel assistance.
 deleted text end
new text begin ... SSI - Supplemental Security Income
 new text end
new text begin ... Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit
 new text end
new text begin ... Renter's Refund (also called Renter's Property Tax Credit)
 new text end
deleted text begin LIST SOURCE(S) OF FUNDING IN YOUR ACCOUNT
 deleted text end
deleted text begin .
deleted text end
deleted text begin LIST THE CASE NUMBER AND COUNTY
 deleted text end
deleted text begin Case Number: .
deleted text end
deleted text begin County: .
deleted text end
deleted text begin Government benefits also include:
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Social Security benefits
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Unemployment benefits
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Workers' compensation
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Veterans benefits
 deleted text end
deleted text begin If you receive any of these government benefits, include copies of any documents
you have that show you receive Social Security, unemployment, workers'
compensation, or veterans benefits.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Other assistance based on need
 deleted text end

deleted text begin You may have assistance based on need from another source that is not on the list. If you
do, check this box, and fill in the source of your money on the line below:
 deleted text end

deleted text begin Source: .
deleted text end

deleted text begin Include copies of any documents you have that show the source of this money.
 deleted text end

deleted text begin EARNINGS
 deleted text end
deleted text begin ALL or SOME of your earnings (wages) may also be protected.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin All of your earnings (wages) are protected if:
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You get government benefits (see list of government benefits)
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You currently receive other assistance based on need
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You have received government benefits in the last six months
 deleted text end
deleted text begin .
deleted text end 		deleted text begin You were in jail or prison in the last six months
 deleted text end
deleted text begin If you check one of these lines, deleted text end deleted text begin your wages are only protected for 60 days after
they are deposited in your account so deleted text end deleted text begin you MUST send the creditor a copy of
BANK STATEMENTS deleted text end deleted text begin that show what was in your account deleted text end deleted text begin for the 60 days right
before the bank froze your money deleted text end deleted text begin .
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Some of your earnings (wages) are protected.
 deleted text end
deleted text begin If all of your earnings are not exempt, then some of your earnings are still protected
for 20 days after they were deposited in your account. The amount protected is the
larger amount of:
 deleted text end
deleted text begin 75 percent of your wages (after taxes are taken out); or
 deleted text end
deleted text begin (insert the sum of the current federal minimum wage) multiplied by 40.
 deleted text end
deleted text begin OTHER EXEMPT FUNDS
 deleted text end
deleted text begin The money from the following are also completely protected after they are deposited
in your account.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin An accident, disability, or retirement pension or annuity
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Payments to you from a life insurance policy
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Earnings of your child who is under 18 years of age
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Child support
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Money paid to you from a claim for damage or destruction of property deleted text end deleted text begin Property
includes household goods, farm tools or machinery, tools for your job, business
equipment, a mobile home, a car, a musical instrument, a pew or burial lot, clothes,
furniture, or appliances.
 deleted text end
deleted text begin .
deleted text end 		deleted text begin Death benefits paid to you
 deleted text end
new text begin List the case number and county for every
box you checked:
 new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Case Number: .
new text end 		new text begin County: .
new text end
new text begin Government benefits also include:
 new text end
new text begin ... Social Security benefits
 new text end
new text begin ... Unemployment benefits
 new text end
new text begin ... Workers' compensation
 new text end
new text begin ... Veterans' benefits
 new text end

new text begin If you get any of these government benefits, include copies of any documents that show
you get them.
 new text end

new text begin ... I get other assistance based on need that is not on the list. It comes from: .
new text end

new text begin .
new text end

new text begin Make sure you include copies of any documents that show this.
 new text end

new text begin C. Other Protected Funds
 new text end

new text begin The money from these things are also completely protected after they are deposited in
my account.
 new text end

new text begin ... Child Support
 new text end

new text begin ... A retirement, disability, or accident pension or annuity
 new text end

new text begin ... Earnings of my child who is under 18 years of age
 new text end

new text begin ... Payments to me from a life insurance policy
 new text end

new text begin ... Money paid to me from a claim for damage or destruction of property. Property
includes household goods, farm tools or machinery, tools for my job, business equipment,
a mobile home, a car, a musical instrument, a pew or burial lot, clothes, furniture, or
appliances
 new text end

new text begin ... Death benefits paid to me
 new text end

I give new text begin my new text end permission to any agency that has given me deleted text begin cashdeleted text end benefits to give information
about my benefits to the deleted text begin above-nameddeleted text end creditordeleted text begin ,deleted text end new text begin named abovenew text end or deleted text begin its attorneydeleted text end new text begin to the creditor's
lawyernew text end . The information will ONLY deleted text begin concern whetherdeleted text end new text begin be ifnew text end I get deleted text begin benefits or not, or whether
I have gotten themdeleted text end new text begin assistance, or if I have gotten assistancenew text end in the past deleted text begin sixdeleted text end new text begin 6new text end months.new text begin If I
was an inmate in the last 6 months, I give my permission to the correctional institution to
tell the creditor named above or the creditor's lawyer that I was an inmate there.
new text end

deleted text begin If I was an inmate in the last six months, I give my permission to the correctional
institution to tell the above-named creditor that I was an inmate there.
 deleted text end

You must signnew text begin this formnew text end and send deleted text begin THIS FORMdeleted text end new text begin itnew text end back to the creditor's
deleted text begin ATTORNEYdeleted text end new text begin lawyernew text end (or to the creditor, if new text begin there is new text end no deleted text begin ATTORNEYdeleted text end new text begin lawyernew text end ) and the
bank. Remember to include a copy of your bank statements for the past 60 days. Fill
in the blanks below and go back to the instructions to make sure you deleted text begin dodeleted text end new text begin didnew text end it correctly.

I deleted text begin havedeleted text end mailed or delivered a copy of this form todeleted text begin :deleted text end new text begin the creditor (or to the creditor's lawyer)
at the address listed below.
new text end

deleted text begin .
deleted text end
deleted text begin (Insert name of creditor or creditor's attorney)
 deleted text end
deleted text begin .
deleted text end
deleted text begin (Insert address of creditor or creditor's attorney)
 deleted text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

I deleted text begin havedeleted text end also mailed or delivered a copy of this exemption form to my bank at the address
listed deleted text begin in the instructions.deleted text end new text begin below:
new text end

deleted text begin DATED: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin DEBTOR
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR ADDRESS
 deleted text end
deleted text begin .
deleted text end
deleted text begin DEBTOR TELEPHONE NUMBER
 deleted text end
new text begin Bank's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end
new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 17.

Minnesota Statutes 2024, section 571.914, subdivision 2, is amended to read:


Subd. 2.

Form of Notice of Objection and Notice of Hearing.

The Written Objection
and Notice of Hearing must be in substantially the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin CREDITOR'S NOTICE OF OBJECTION
 deleted text end
deleted text begin AND NOTICE OF HEARING ON
 deleted text end
deleted text begin . (Garnishee)
deleted text end 		deleted text begin EXEMPTION CLAIM
 deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin .
deleted text end
deleted text begin (CREDITOR OR CREDITOR'S
ATTORNEY)
 deleted text end
deleted text begin NOTICE OF HEARING
 deleted text end
deleted text begin The creditor objects to your exemption claim.
This hearing is to resolve your exemption
claim.
 deleted text end
deleted text begin Hearing Date:
 deleted text end 		deleted text begin .
deleted text end
deleted text begin Time:
 deleted text end 		deleted text begin .
deleted text end
deleted text begin Hearing Place:
 deleted text end 		deleted text begin .
deleted text end
new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Creditor's Notice of Objection and
 new text end
new text begin and
 new text end 		new text begin Notice of Hearing on Exemption Claim
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin Hearing Notice
 new text end

new text begin The creditor objects to your exemption claim. This hearing is to decide if your exemption
claim is valid.
 new text end

new text begin The hearing will be at:
 new text end
new text begin Place: .
new text end 		new text begin Date: .
new text end 		new text begin Time: .
new text end

The creditor objects to your claim of exemption from garnishment for the following
reason(s):

.
.
.

deleted text begin (Note: Bring with you to the hearing all documents and materials supporting your
exemption claim. Failure to do so could delay the court's decision.)
 deleted text end

deleted text begin If the creditor receives all documents and materials supporting your exemption claim
before the hearing date, the creditor may agree with your claim and you can avoid a hearing.
 deleted text end

deleted text begin Because a court hearing will be held on your claim that your funds are protected, your
financial institution will retain the funds until it receives an order from the court.
 deleted text end

new text begin Note: Bring all your documents and materials that support your exemption claim
to the hearing. If you don't, the court's decision could be held up.
 new text end

new text begin You can send your documents and materials to the creditor before the hearing. If they
review them and agree with your claim, you can avoid a hearing.
 new text end

new text begin Because there is a court hearing scheduled about your exemption claim, your bank will
keep your funds until it gets an order from the court.
 new text end

new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

Sec. 18.

Minnesota Statutes 2024, section 571.925, is amended to read:


571.925 FORM OF NOTICE.

The ten-day notice informing a debtor that a garnishment summons may be used to
garnish the earnings of an individual must be substantially in the following form:

deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin against
 deleted text end
deleted text begin GARNISHMENT EXEMPTION
 deleted text end
deleted text begin . (Debtor)
deleted text end 		deleted text begin NOTICE AND NOTICE OF
 deleted text end
deleted text begin and
 deleted text end 		deleted text begin INTENT TO GARNISH EARNINGS
 deleted text end
deleted text begin . (Garnishee)
deleted text end

deleted text begin PLEASE TAKE NOTICE that a garnishment summons or levy may be served upon
your employer or other third parties, without any further court proceedings or notice to you,
ten days or more from the date hereof. Some or all of your earnings are exempt from
garnishment. If your earnings are garnished, your employer must show you how the amount
that is garnished from your earnings was calculated. You have the right to request a hearing
if you claim the garnishment is incorrect.
 deleted text end

deleted text begin Your earnings are completely exempt from garnishment if you are now a recipient of
assistance based on need, if you have been a recipient of assistance based on need within
the last six months, or if you have been an inmate of a correctional institution in the last six
months.
 deleted text end

deleted text begin Assistance based on need includes, but is not limited to:
 deleted text end

new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Garnishment Exemption Notice and
 new text end
new text begin and
 new text end 		new text begin Notice of Intent to Garnish Earnings
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

new text begin Notice: A garnishment may be served on your employer or other third parties.
Garnishment means that part of your earnings can be taken to pay off debts that you
owe. This can happen in 10 days or more after you get this notice. This can happen without
any other court action or notice to you. But some of your money may be protected.
 new text end

new text begin new text begin Your earnings cannot be taken if:
 new text end new text end
new text begin (i) you are getting government assistance based on need,
 new text end
new text begin (ii) you got any government assistance based on need in the last 6 months, or
 new text end
new text begin (iii) you were an inmate of a correctional institution in the last 6 months.
 new text end

new text begin These are called exemptions. Your money is NOT protected unless you fill out the
Exemption Claim Notice attached and send it back to the creditor or the creditor's
lawyer. If you are not sure if you have any exemptions, talk to a lawyer.
 new text end

new text begin You can also contact the creditor or their lawyer to talk about a settlement of the debt.
 new text end

new text begin Examples of government assistance based on need:
 new text end

new text begin (i) new text end MFIP - Minnesota Family Investment Programdeleted text begin ,
deleted text end
new text begin (ii) DWP - new text end MFIP Diversionary Work Programdeleted text begin ,
deleted text end
new text begin (iii) SNAP - Supplemental Nutrition Assistance Program
 new text end
deleted text begin Work participation cash benefit,
 deleted text end
new text begin (iv) new text end GA - General Assistancedeleted text begin ,
deleted text end
deleted text begin EA deleted text end deleted text begin - emergency assistance,
 deleted text end
deleted text begin MA deleted text end deleted text begin - medical assistance,
 deleted text end
new text begin (v) new text end EGA - Emergency General Assistancedeleted text begin ,
deleted text end
new text begin (vi) new text end MSA - Minnesota Supplemental Aiddeleted text begin ,
deleted text end
new text begin (vii) new text end MSA-EA - MSA Emergency Assistancedeleted text begin ,
deleted text end
deleted text begin Supplemental Nutrition Assistance Program (SNAP),
 deleted text end
deleted text begin SSI - Supplemental Security Income,
 deleted text end
new text begin (viii) EA - Emergency Assistance
 new text end
new text begin (ix) Energy or Fuel Assistance
 new text end
new text begin (x) Work Participation Cash Benefit
 new text end
new text begin (xi) MA - Medical Assistance
 new text end
new text begin (xii) new text end MinnesotaCaredeleted text begin ,
deleted text end
new text begin (xiii) new text end Medicare Part B new text begin - new text end Premium Paymentsdeleted text begin ,deleted text end new text begin help
new text end
new text begin (xiv) new text end Medicare Part D new text begin - new text end Extra deleted text begin help,
deleted text end
deleted text begin Energy or fuel assistance.
 deleted text end
new text begin (xv) SSI - Supplemental Security Income
 new text end
new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit
 new text end
new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit)
 new text end

deleted text begin If you wish to claim an exemption, you should fill out the appropriate form below, sign
it, and send it to the creditor's attorney and the garnishee.
 deleted text end

deleted text begin You may wish to contact the attorney for the creditor in order to arrange for a settlement
of the debt or contact an attorney to advise you about exemptions or other rights.
 deleted text end

deleted text begin PENALTIES
 deleted text end

deleted text begin (1) Be advised that even if you claim an exemption, a garnishment summons may still
be served on your employer. If your earnings are garnished after you claim an exemption,
you may petition the court for a determination of your exemption. If the court finds that
the creditor disregarded your claim of exemption in bad faith, you will be entitled to
costs, reasonable attorney fees, actual damages, and an amount not to exceed $100.
 deleted text end

deleted text begin (2) HOWEVER, BE WARNED if you claim an exemption, the creditor can also petition
the court for a determination of your exemption, and if the court finds that you claimed
an exemption in bad faith, you will be assessed costs and reasonable attorney's fees plus
an amount not to exceed $100.
 deleted text end

deleted text begin (3) If after receipt of this notice, you in bad faith take action to frustrate the garnishment,
thus requiring the creditor to petition the court to resolve the problem, you will be liable
to the creditor for costs and reasonable attorney's fees plus an amount not to exceed
$100.
 deleted text end

deleted text begin Dated: .
deleted text end 		deleted text begin .
deleted text end
deleted text begin (Attorney for) Creditor
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Telephone
 deleted text end

new text begin Warnings and Fines
 new text end

new text begin (1) Even if you claim an exemption, a levy may still be served on your employer. If they
take money from you after you claim an exemption, you may ask the court to review your
exemption. If the court finds that the creditor ignored your claim of exemption in bad faith,
you are entitled to costs, reasonable lawyer fees, actual damages, and a fine up to $100. Bad
faith is when someone does something wrong on purpose.
 new text end

new text begin (2) BUT if you claim an exemption, the creditor can also ask the court to review your
exemption. If the court finds that you claimed an exemption in bad faith, you are charged
costs and reasonable lawyer fees, and a fine up to $100.
 new text end

new text begin (3) If you get this notice, then do something in bad faith to try to block or stop the levy
and the creditor has to take you to court because of it, you will have to pay the creditor's
costs, and reasonable lawyer's fees, and a fine up to $100.
 new text end

new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end

DEBTOR'S EXEMPTION CLAIM NOTICE

new text begin State of Minnesota
 new text end 		new text begin District Court
 new text end
new text begin County of: .
new text end 		new text begin Judicial District: .
new text end
new text begin Court File Number: .
new text end
new text begin Case Type: .
new text end
new text begin Creditor's full name
 new text end
new text begin .
new text end 		new text begin Debtor's Exemption
 new text end
new text begin and
 new text end 		new text begin Claim Notice
 new text end
new text begin Debtor's full name
 new text end
new text begin .
new text end
new text begin and
 new text end
new text begin Third Party (bank, employer, or other)
 new text end
new text begin .
new text end

I deleted text begin herebydeleted text end claim that my earnings are exempt from new text begin this new text end garnishment because:new text begin (check all
that apply)
new text end

deleted text begin (1) I am presently a recipient of relief based on need. (Specify the program, case number,
and the county from which relief is being received.)
 deleted text end

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end

deleted text begin (2) I am not now receiving relief based on need, but I have received relief based on need
within the last six months. (Specify the program, case number, and the county from
which relief has been received.)
 deleted text end

deleted text begin .
deleted text end 		deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Program
 deleted text end 		deleted text begin Case Number (if known)
 deleted text end 		deleted text begin County
 deleted text end

deleted text begin (3) I have been an inmate of a correctional institution within the last six months. (Specify
the correctional institution and location.)
 deleted text end

deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Correctional Institution
 deleted text end 		deleted text begin Location
 deleted text end

deleted text begin I hereby authorize any agency that has distributed relief to me or any correctional
institution in which I was an inmate to disclose to the above-named creditor or the creditor's
attorney only whether or not I am or have been a recipient of relief based on need or an
inmate of a correctional institution within the last six months. I have mailed or delivered a
copy of this form to the creditor or creditor's attorney.
 deleted text end

deleted text begin .
deleted text end 		deleted text begin .
deleted text end
deleted text begin Date
 deleted text end 		deleted text begin Debtor
 deleted text end
deleted text begin .
deleted text end
deleted text begin Address
 deleted text end
deleted text begin .
deleted text end
deleted text begin Debtor Telephone Number
 deleted text end
deleted text begin STATE OF MINNESOTA
 deleted text end 		deleted text begin DISTRICT COURT
 deleted text end
deleted text begin COUNTY OF .
deleted text end 		deleted text begin . JUDICIAL DISTRICT
deleted text end
deleted text begin . (Creditor)
deleted text end
deleted text begin . (Debtor)
deleted text end
deleted text begin . (Financial institution)
deleted text end

new text begin ... I am getting government assistance based on need. (State the program, case number
if you know it, and the county you got it from.)
 new text end

new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

new text begin ... I am not getting assistance based on need right now, but I did get government assistance
based on need within the last 6 months. (State the program, case number if you know it,
and the county you got it from.)
 new text end

new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end
new text begin Program: .
new text end 		new text begin Case #: .
new text end 		new text begin County: .
new text end

new text begin ... I was an inmate of a correctional institution within the last 6 months. (State the
correctional institution and location.)
 new text end

new text begin Correctional Institution .
new text end 		new text begin Location .
new text end

new text begin I give my permission to any agency listed above to give information about my benefits
to the creditor named above, or to the creditor's lawyer. The information will ONLY be if
I get assistance, or if I have gotten assistance in the past 6 months. If I was an inmate in the
last 6 months, I give my permission to the correctional institution to tell the creditor named
above or the creditor's lawyer that I was an inmate there.
 new text end

new text begin Sign and send this form back to the creditor or the creditor's lawyer.
 new text end

new text begin Fill in the blanks below.
 new text end

new text begin I mailed or delivered a copy of this form to the creditor or to the creditor's lawyer if they
have one, at the address listed below.
 new text end

new text begin Date: .
new text end
new text begin Creditor's Signature: .
new text end
new text begin (or creditor's lawyer's signature)
 new text end
new text begin Creditor's Name: .
new text end
new text begin (or creditor's lawyer's name)
 new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end 		new text begin Fax: .
new text end
new text begin Email: .
new text end
new text begin Date: .
new text end
new text begin Debtor's Signature: .
new text end
new text begin Debtor's Name: .
new text end
new text begin Street Address: .
new text end
new text begin City/State/Zip: .
new text end
new text begin Phone: .
new text end
new text begin Email: .
new text end

Sec. 19.

Minnesota Statutes 2024, section 571.931, subdivision 6, is amended to read:


Subd. 6.

Notice.

The debtor shall be served with a copy of the prejudgment garnishment
order issued pursuant to this section together with a copy of all pleadings and other documents
not previously served, including any affidavits upon which the claimant intends to rely at
the subsequent hearing and a transcript of any oral testimony given at the prejudgment
garnishment hearing upon which the creditor intends to rely and a notice of hearing. Service
must be in the manner prescribed for personal service of a summons unless that service is
impracticable or would be ineffective and the court prescribes an alternative method of
service calculated to provide actual notice to the debtor.

The notice of hearing served upon the debtor must be signed by the creditor or the
attorney for the creditor and must be accompanied by an exemption notice. The notice of
hearing must be accompanied by an exemption notice, and both notices must provide, at a
minimum, the following information in substantially the following language:

deleted text begin NOTICE OF HEARING
 deleted text end

new text begin Hearing Notice
 new text end

TO: new text begin .
new text end

deleted text begin (the debtor) deleted text end new text begin (debtor's full name)
 new text end

The (insert the name of court) Court has ordered the prejudgment garnishment of some
of your property deleted text begin in the possession or control of a third partydeleted text end . new text begin This is about property that a
third party has or controls. new text end Some of your property may be exempt deleted text begin from seizuredeleted text end new text begin and can't
be takennew text end . See the exemption notice below.

The Court issued this Order deleted text begin based upon the claim ofdeleted text end new text begin becausenew text end (insert name of creditor)
deleted text begin that (insert name of creditor) isdeleted text end new text begin claims they arenew text end entitled to deleted text begin a court order for garnishmentdeleted text end new text begin
take somenew text end of your property deleted text begin to secure your payment of any money judgment that (insert
name of creditor) may later be obtained against you and that immediate action was necessarydeleted text end new text begin .
They do this to make sure you pay any money they might win in a future case against you.
They felt immediate action was needednew text end .

You have the legal right to challenge (insert name of creditor) claims at a court hearing
before a judge.

new text begin The hearing will be at:
 new text end
new text begin Place: .
new text end 		new text begin Date: .
new text end 		new text begin Time: .
new text end

deleted text begin The hearing will be held at the (insert place) on (insert date) at (insert time).deleted text end You deleted text begin may
attenddeleted text end new text begin can go tonew text end the court hearing alone or with deleted text begin an attorneydeleted text end new text begin a lawyernew text end . deleted text begin After you have
presented your side of the matter, the court will decidedeleted text end new text begin You get to tell the court your side
of the issue. Then the court decidesnew text end what should be done with your property until the lawsuit
against you is finally decided.

If you deleted text begin do not attenddeleted text end new text begin don't go tonew text end this hearing, the court may order garnishment of
your property.

Exemption Notice

Some of your property may be exempt and deleted text begin cannot be garnisheddeleted text end new text begin can't be takennew text end . new text begin 'Exempt'
means protected. new text end The following is a list of some deleted text begin of the moredeleted text end common exemptions. It is not
new text begin a new text end complete deleted text begin and is subject todeleted text end new text begin list. For full details and dollar amounts set by law seenew text end section
550.37deleted text begin , and other state and federal lawsdeleted text end new text begin of the Minnesota Statutesnew text end . If you have questions
about an exemption, deleted text begin you should obtain competentdeleted text end new text begin contact a lawyer fornew text end legal advice.

new text begin These things you or your family might have are protected:
 new text end

(1) deleted text begin a homestead or the proceeds from the sale of a homestead.deleted text end new text begin equity in your home, or
money from recently selling your home - up to $510,000 totalnew text end ;

(2)new text begin (i) all clothing, one watch, utensils, and foodstuffs;
new text end

new text begin (ii)new text end household furniture, new text begin household new text end appliances, deleted text begin phonographs,deleted text end radios, deleted text begin anddeleted text end new text begin computers,
tablets,new text end televisions deleted text begin up to a total current value of $4,500 at the time of attachment.deleted text end new text begin , printers,
cell phones, smart phones, and other consumer electronics up to $12,150 in all; and
new text end

new text begin (iii) jewelry - total value can't be more than $3,308;
 new text end

(3) a manufactured (mobile) home deleted text begin used as your home.deleted text end new text begin you live innew text end ;

(4) one motor vehicle deleted text begin currently worth less than $2,000 after deducting any security
interest.deleted text end new text begin , counting only the amount you have paid off:
new text end

new text begin (i) $10,000;
 new text end

new text begin (ii) $12,500 if it is necessary for your business, trade, or profession;
 new text end

new text begin (iii) $25,000 if used by or to help someone with a disability that makes it hard to walk;
or
 new text end

new text begin (iv) $100,000 if designed or modified for someone with a disability that makes it hard
to walk;
 new text end

(5) farm machinery deleted text begin used by someone principally engaged in farming, ordeleted text end new text begin if your main
business is farming.new text end Tools, machines, or office furniture used in your business deleted text begin or trade. This
exemption is limited to $10,000.deleted text end new text begin - the total value can't be more than $13,000;
new text end

(6) relief based on need. This includes deleted text begin thedeleted text end new text begin :
new text end

new text begin (i) MFIP -new text end Minnesota Family Investment Program deleted text begin (MFIP), Emergency Assistance (EA),
Work First Program, Medical Assistance (MA),deleted text end new text begin ;
new text end

new text begin (ii) DWP - MFIP Diversionary Work Program;
 new text end

new text begin (iii) SNAP - Supplemental Nutrition Assistance Program;
 new text end

new text begin (iv) GA -new text end General Assistance deleted text begin (GA),deleted text end new text begin ;
new text end

new text begin (v) EGA -new text end Emergency General Assistance deleted text begin (EGA),deleted text end new text begin ;
new text end

new text begin (vi) MSA -new text end Minnesota Supplemental Aid deleted text begin (MSA),deleted text end new text begin ;
new text end

new text begin (vii) MSA-EA - new text end MSA Emergency Assistance deleted text begin (MSA-EA), Supplemental Security Income
(SSI), and Energy Assistance.deleted text end new text begin ;
new text end

new text begin (viii) EA - Emergency Assistance;
 new text end

new text begin (ix) Energy or Fuel Assistance;
 new text end

new text begin (x) Work Participation Cash Benefit;
 new text end

new text begin (xi) MA - Medical Assistance;
 new text end

new text begin (xii) MinnesotaCare;
 new text end

new text begin (xiii) Medicare Part B - Premium Payments help;
 new text end

new text begin (xiv) Medicare Part D - Extra;
 new text end

new text begin (xv) SSI - Supplemental Security Income;
 new text end

new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit; and
 new text end

new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit);
 new text end

new text begin (7) wages. 100% is protected if you get government assistance based on need. Otherwise,
between 75-100% is protected depending on how much you earn;
 new text end

new text begin (8) retirement benefits - the total interest under all plans and contracts can't be more than
$81,000;
 new text end

deleted text begin (7)deleted text end new text begin (9)new text end Social Security benefitsdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (8)deleted text end new text begin (10)new text end unemployment benefits, workers' compensation, or veterans' benefitsdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (9) An accident, disability or retirementdeleted text end new text begin (11) a retirement, disability, or accidentnew text end pension
or annuitydeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (10)deleted text end new text begin (12)new text end life insurance proceedsdeleted text begin .deleted text end new text begin that are not more than $54,000;
new text end

deleted text begin (11) Thedeleted text end new text begin (13)new text end earnings of your minor childdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (12)deleted text end new text begin (14)new text end money from a claim for damage or destruction of exempt property deleted text begin (such asdeleted text end new text begin -
likenew text end household goods, farm tools, business equipment, a manufactured (mobile) home, or
a deleted text begin car).deleted text end new text begin car;
new text end

new text begin (15) sacred possessions - like the Bible, Torah, Qur'an, prayer rug, and other religious
items. Total value can't be more than $2,000;
 new text end

new text begin (16) personal library - total value can't be more than $750;
 new text end

new text begin (17) musical instruments - total value can't be more than $2,000;
 new text end

new text begin (18) family pets - current value can't be more than $1,000;
 new text end

new text begin (19) a seat or pew in any house or place of public worship and a lot in any burial ground;
 new text end

new text begin (20) tools you need to work in your business or profession - the total value can't be more
than $13,500;
 new text end

new text begin (21) household tools and equipment - things like hand and power tools, snow removal
equipment, lawnmowers, and more. Total value can't be more than $3,000; and
 new text end

new text begin (22) health savings accounts, medical savings accounts - the total value can't be more
than $25,000.
 new text end

Sec. 20.

Minnesota Statutes 2024, section 571.932, subdivision 2, is amended to read:


Subd. 2.

Service.

The creditor's motion to obtain an order of garnishment together with
the creditor's affidavit and notice of hearing must be served in the manner prescribed for
service of a summons in a civil action in district court unless that service is impracticable
or would be ineffective and the court prescribes an alternative method of service calculated
to provide actual notice to the debtor. If the debtor has already appeared in the action, the
motion must be served in the manner prescribed for service of pleadings subsequent to the
summons. The date of the hearing must be fixed in accordance with rule 6 of the Minnesota
Rules of Civil Procedure for the District Courts, unless a different date is fixed by order of
the court.

The notice of hearing served upon the debtor shall be signed by the creditor or the
attorney for the creditor and shall provide, at a minimum, the following information in
substantially the following language:

deleted text begin NOTICE OF HEARING
 deleted text end

new text begin Hearing Notice
 new text end

TO: new text begin .
new text end

deleted text begin (the debtor) deleted text end new text begin (debtor's full name)
 new text end

deleted text begin A hearing will be held (insert place) on (insert date) at (insert time) to determine whether
nonexempt property belonging to you will be garnished to secure a judgment that may be
entered against you.
 deleted text end

new text begin There will be a hearing to decide if your nonexempt property will be garnished to help
pay a judgment that may be entered against you.
 new text end

new text begin The hearing will be at:
 new text end
new text begin Place: .
new text end 		new text begin Date: .
new text end 		new text begin Time: .
new text end

You deleted text begin may attenddeleted text end new text begin can go tonew text end the court hearing alone or with deleted text begin an attorneydeleted text end new text begin a lawyernew text end . deleted text begin After
you have presented your side of the matter, the court will decide whetherdeleted text end new text begin You get to tell
the court your side of the issue. Then the court decides ifnew text end your property should be garnished
until the lawsuit deleted text begin which has been commenceddeleted text end against you is finally decided.

If the court deleted text begin directs the issuance ofdeleted text end new text begin issuesnew text end a garnishment summons deleted text begin whiledeleted text end new text begin duringnew text end the
lawsuit deleted text begin is pendingdeleted text end , you deleted text begin may stilldeleted text end new text begin cannew text end keep the property until the lawsuit is decided if you
file a bond deleted text begin in an amountdeleted text end new text begin . The amount of the bond isnew text end set by the court.

If you deleted text begin DO NOT ATTEND THIS deleted text end new text begin don't go to thisnew text end hearing, the court may order
new text begin garnishment of new text end your nonexempt property deleted text begin TO BE GARNISHED deleted text end .

Exemption Notice

Some of your property may be exempt and deleted text begin cannotdeleted text end new text begin can'tnew text end be deleted text begin garnisheddeleted text end new text begin takennew text end . new text begin 'Exempt'
means protected. new text end The following is a list of some deleted text begin of the moredeleted text end common exemptions. It is not
new text begin a new text end complete deleted text begin and is subject todeleted text end new text begin list. For full details and dollar amounts set by law seenew text end section
550.37deleted text begin , and other state and federal lawsdeleted text end new text begin of the Minnesota Statutesnew text end . deleted text begin The dollar amounts
contained in this list are subject to the provisions of section 550.37, subdivision 4a, at the
time of the garnishment.deleted text end If you have questions about an exemption, deleted text begin you should obtain
competentdeleted text end new text begin contact a lawyer fornew text end legal advice.

new text begin These things you or your family might have are protected:
 new text end

(1) deleted text begin A homestead or the proceeds from the sale of a homestead.deleted text end new text begin equity in your home, or
money from recently selling your home - up to $510,000 total;
new text end

(2)new text begin (i) all clothing, one watch, utensils, and foodstuffs;
new text end

new text begin (ii)new text end household furniture, new text begin household new text end appliances, deleted text begin phonographs,deleted text end radios, deleted text begin anddeleted text end new text begin computers,
tablets,new text end televisions deleted text begin up to a total current value of $5,850.deleted text end new text begin , printers, cell phones, smart phones,
and other consumer electronics up to $12,150 in all; and
new text end

new text begin (iii) jewelry - total value can't be more than $3,308;
 new text end

(3) a manufactured (mobile) home deleted text begin used as your home.deleted text end new text begin you live in;
new text end

(4) one motor vehicle deleted text begin currently worth less than $2,600 after deducting any security
interests.deleted text end new text begin , counting only the amount you have paid off:
new text end

new text begin (i) $10,000;
 new text end

new text begin (ii) $12,500 if it is necessary for your business, trade, or profession;
 new text end

new text begin (iii) $25,000 if used by or to help someone with a disability that makes it hard to walk;
or
 new text end

new text begin (iv) $100,000 if designed or modified for someone with a disability that makes it hard
to walk;
 new text end

(5) farm machinery deleted text begin used by an individual principally engaged in farming, ordeleted text end new text begin if your
main business is farming.new text end Tools, machines, or office furniture used in your business deleted text begin or trade.
This exemption is limited todeleted text end new text begin - the total value can't be more thannew text end $13,000deleted text begin .deleted text end new text begin ;
new text end

(6) relief based on need. This includes deleted text begin thedeleted text end new text begin :
new text end

new text begin (i) MFIP -new text end Minnesota Family Investment Program deleted text begin (MFIP), Emergency Assistance (EA),
Work First Program, Medical Assistance (MA),deleted text end new text begin ;
new text end

new text begin (ii) DWP - MFIP Diversionary Work Program;
 new text end

new text begin (iii) SNAP - Supplemental Nutrition Assistance Program;
 new text end

new text begin (iv) GA -new text end General Assistance deleted text begin (GA),deleted text end new text begin ;
new text end

new text begin (v) EGA -new text end Emergency General Assistance deleted text begin (EGA),deleted text end new text begin ;
new text end

new text begin (vi) MSA -new text end Minnesota Supplemental Aid deleted text begin (MSA),deleted text end new text begin ;
new text end

new text begin (vii) MSA-EA - new text end MSA Emergency Assistance deleted text begin (MSA-EA), Supplemental Security Income
(SSI), and Energy Assistance.deleted text end new text begin ;
new text end

new text begin (viii) EA - Emergency Assistance;
 new text end

new text begin (ix) Energy or Fuel Assistance;
 new text end

new text begin (x) Work Participation Cash Benefit;
 new text end

new text begin (xi) MA - Medical Assistance;
 new text end

new text begin (xii) MinnesotaCare;
 new text end

new text begin (xiii) Medicare Part B - Premium Payments help;
 new text end

new text begin (xiv) Medicare Part D - Extra;
 new text end

new text begin (xv) SSI - Supplemental Security Income;
 new text end

new text begin (xvi) Tax Credits - federal Earned Income Tax Credit (EITC), Minnesota Working
Family Credit; and
 new text end

new text begin (xvii) Renter's Refund (also called Renter's Property Tax Credit);
 new text end

new text begin (7) wages. 100% is protected if you get government assistance based on need. Otherwise,
between 75-100% is protected depending on how much you earn;
 new text end

new text begin (8) retirement benefits - the total interest under all plans and contracts can't be more than
$81,000;
 new text end

deleted text begin (7)deleted text end new text begin (9)new text end Social Security benefitsdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (8)deleted text end new text begin (10)new text end unemployment benefits, workers' compensation, or veterans' benefitsdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (9) An accident, disability or retirementdeleted text end new text begin (11) a retirement, disability, or accidentnew text end pension
or annuitydeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (10)deleted text end new text begin (12)new text end life insurance proceedsdeleted text begin .deleted text end new text begin that are not more than $54,000;
new text end

deleted text begin (11) Thedeleted text end new text begin (13)new text end earnings of your minor childdeleted text begin .deleted text end new text begin ;
new text end

deleted text begin (12)deleted text end new text begin (14)new text end money from a claim for damage or destruction of exempt property deleted text begin (such asdeleted text end new text begin -
likenew text end household goods, farm tools, business equipment, a manufactured (mobile) home, or
a deleted text begin car).deleted text end new text begin car;
new text end

new text begin (15) sacred possessions - like the Bible, Torah, Qur'an, prayer rug, and other religious
items. Total value can't be more than $2,000;
 new text end

new text begin (16) personal library - total value can't be more than $750;
 new text end

new text begin (17) musical instruments - total value can't be more than $2,000;
 new text end

new text begin (18) family pets - current value can't be more than $1,000;
 new text end

new text begin (19) a seat or pew in any house or place of public worship and a lot in any burial ground;
 new text end

new text begin (20) tools you need to work in your business or profession - the total value can't be more
than $13,500;
 new text end

new text begin (21) household tools and equipment - things like hand and power tools, snow removal
equipment, lawnmowers, and more. Total value can't be more than $3,000; and
 new text end

new text begin (22) health savings accounts, medical savings accounts - the total value can't be more
than $25,000.
 new text end

Sec. 21.

Laws 2024, chapter 114, article 3, section 101, the effective date, is amended to
read:


EFFECTIVE DATE.

This section is effective deleted text begin Aprildeleted text end new text begin Junenew text end 1, 2025, and applies to causes
of action commenced on or after that date.

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective retroactively from March 1, 2025.
 new text end

Sec. 22. new text begin CONSTRUCTION AND APPLICATION.
new text end

new text begin The forms in sections 1 to 20 must be made available on the state court website on or
before June 1, 2025. The failure to use the forms as amended by sections 1 to 20 before
June 1, 2025, is not a basis for a complaint or violation of a federal statute, Minnesota
Statutes, or the Minnesota Rules of Professional Conduct.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective the day following final enactment.
 new text end

Sec. 23. new text begin EFFECTIVE DATE.
new text end

new text begin Sections 1 to 20 are effective June 1, 2025.
 new text end

ARTICLE 8

MISCELLANEOUS COMMERCE PROVISIONS

Section 1.

Minnesota Statutes 2024, section 41A.09, subdivision 2a, is amended to read:


Subd. 2a.

Definitions.

For the purposes of this section, the terms defined in this
subdivision have the meanings given them.

(a) "Ethanol" means fermentation ethyl alcohol derived from agricultural products,
including potatoes, cereal grains, cheese whey, and sugar beets; forest products; or other
renewable resources, including residue and waste generated from the production, processing,
and marketing of agricultural products, forest products, and other renewable resources, that:

(1) meets all of the specifications in ASTM specification deleted text begin D4806-04adeleted text end new text begin D4806-21anew text end ; and

(2) is denatured as specified in Code of Federal Regulations, title 27, parts 20 and 21.

(b) "Ethanol plant" means a plant at which ethanol is produced.

(c) "Commissioner" means the commissioner of agriculture.

(d) "Rural economic infrastructure" means the development of activities that will enhance
the value of agricultural crop or livestock commodities or by-products or waste from farming
operations through new and improved value-added conversion processes and technologies,
the development of more timely and efficient infrastructure delivery systems, and the
enhancement of marketing opportunities. "Rural economic infrastructure" also means land,
buildings, structures, fixtures, and improvements located or to be located in Minnesota and
used or operated primarily for the processing or the support of production of marketable
products from agricultural commodities or wind energy produced in Minnesota.

Sec. 2.

Minnesota Statutes 2024, section 45.027, subdivision 1, is amended to read:


Subdivision 1.

General powers.

new text begin (a) new text end In connection with the duties and responsibilities
entrusted to the commissioner, and Laws 1993, chapter 361, section 2, the commissioner
of commerce may:

(1) make public or private investigations within or without this state as the commissioner
considers necessary to determine whether any person has violated or is about to violate any
law, rule, or order related to the duties and responsibilities entrusted to the commissioner;

(2) require or permit any person to file a statement in writing, under oath or otherwise
as the commissioner determines, as to all the facts and circumstances concerning the matter
being investigated;

(3) hold hearings, upon reasonable notice, in respect to any matter arising out of the
duties and responsibilities entrusted to the commissioner;

(4) conduct investigations and hold hearings for the purpose of compiling information
related to the duties and responsibilities entrusted to the commissioner;

(5) examine the books, accounts, records, and files of every licensee, and of every person
who is engaged in any activity regulated; the commissioner or a designated representative
shall have free access during normal business hours to the offices and places of business of
the person, and to all books, accounts, papers, records, files, safes, and vaults maintained
in the place of business;

(6) publish information which is contained in any order issued by the commissioner;

(7) require any person subject to duties and responsibilities entrusted to the commissioner,
to report all sales or transactions that are regulated. The reports must be made within ten
days after the commissioner has ordered the report. The report is accessible only to the
respondent and other governmental agencies unless otherwise ordered by a court of competent
jurisdiction; deleted text begin and
deleted text end

(8) assess a natural person or entity subject to the jurisdiction of the commissioner the
necessary expenses of the investigation performed by the department when an investigation
is made by order of the commissioner. The cost of the investigation shall be determined by
the commissioner and is based on the salary cost of investigators or assistants and at an
average rate per day or fraction thereof so as to provide for the total cost of the investigation.
All money collected must be deposited into the general fund. A natural person or entity
licensed under chapter 60K, 82, or 82B shall not be charged costs of an investigation if the
investigation results in no finding of a violation. This clause does not apply to a natural
person or entity already subject to the assessment provisions of sections 60A.03 and
60A.031deleted text begin .deleted text end new text begin ; and
new text end

new text begin (9) issue data calls.
 new text end

new text begin (b) For purposes of this section, "data call" means a written request from the
commissioner to two or more natural persons or entities subject to the commissioner's
jurisdiction to provide data or other information within a reasonable time period
commensurate with the volume and nature of the data required to be collected in the data
call for a specific, targeted regulatory oversight purpose. A data call is not market analysis,
as defined under section 60A.031, subdivision 4, paragraph (f), and is not subject to section
60A.033.
 new text end

Sec. 3.

Minnesota Statutes 2024, section 45.027, is amended by adding a subdivision to
read:


new text begin Subd. 1b. new text end

new text begin Data calls. new text end

new text begin (a) Information provided in response to a data call issued by the
commissioner: (1) must be treated as nonpublic data, as defined under section 13.02,
subdivision 9; and (2) is not subject to subpoena. If the commissioner performs a data call,
the commissioner may make the results available for public inspection in an aggregated
format and in such a manner as to not disclose the identity of a specific natural person or
entity, including the name of any natural person or entity who responded to the data call.
Prior to making the aggregated results of a data call available for public inspection, the
commissioner must provide all natural persons and entities that responded to the data call
15 days' notice of the information to be publicly released. Nothing in this subdivision requires
the commissioner to publicly release aggregated results from a data call. The results of a
data call that requests data for the National Association of Insurance Commissioners' Market
Conduct Annual Statement is subject to confidential treatment as provided under section
60A.031, subdivision 4, paragraph (f).
 new text end

new text begin (b) The commissioner may grant access to data submitted by insurers in response to a
data call issued by the commissioner with other state, federal, and international regulatory
agencies; with the National Association of Insurance Commissioners and its affiliates and
subsidiaries; and with state, federal, and international law enforcement authorities, provided
that the recipient agrees in writing to maintain the data as nonpublic data and has the legal
authority to maintain the data as nonpublic data.
 new text end

Sec. 4.

Minnesota Statutes 2024, section 45.027, subdivision 2, is amended to read:


Subd. 2.

Power to compel production of evidence.

For the purpose of any investigation,
hearing, proceeding, or inquiry related to the duties and responsibilities entrusted to the
commissioner, the commissioner or a designated representative maynew text begin issue data calls,new text end
administer oaths and affirmations, subpoena witnesses, compel their attendance, take
evidence, and require the production of books, papers, correspondence, memoranda,
agreements, or other documents or records that the commissioner considers relevant or
material to the inquiry.

A subpoena issued pursuant to this subdivision must state that the person to whom the
subpoena is directed may not disclose the fact that the subpoena was issued or the fact that
the requested records have been given to law enforcement personnel except:

(1) insofar as the disclosure is necessary to find and disclose the records; or

(2) pursuant to court order.

Sec. 5.

Minnesota Statutes 2024, section 45.24, is amended to read:


45.24 LICENSE TECHNOLOGY FEES.

(a) The commissioner may establish and maintain an electronic licensing database system
for license origination, renewal, and tracking the completion of continuing education
requirements by individual licensees who have continuing education requirements, and
other related purposes.

(b) The commissioner shall pay for the cost of operating and maintaining the electronic
database system described in paragraph (a) through a technology surcharge imposed upon
the fee for license origination and renewal, for individual licenses that require continuing
education.

(c) The surcharge permitted under paragraph (b) shall be up to $40 for each two-year
licensing period, except as otherwise provided in paragraph (f), and shall be payable at the
time of license origination and renewal.

(d) The Commerce Department technology account is hereby created as an account in
the special revenue fund.

(e) The commissioner shall deposit the surcharge permitted under this section in the
account created in paragraph (d), and funds in the account are appropriated to the
commissioner in the amounts needed for purposes of this section. The commissioner of
management and budget shall transfer an amount determined by the commissioner of
commerce from the account to the statewide electronic licensing system account under
section 16E.22 for the costs of the statewide licensing system attributable to the inclusion
of licenses subject to this section.

(f) The commissioner deleted text begin shalldeleted text end new text begin maynew text end temporarily reduce or suspend the surcharge as necessary
if the balance in the account created in paragraph (d) exceeds $2,000,000 as of the end ofnew text begin
June innew text end any calendar year and deleted text begin shalldeleted text end new text begin must annually review the anticipated costs under
paragraph (b) to determine the amount tonew text end increase or decrease the surcharge deleted text begin as necessarydeleted text end
to keep the fund balance at an adequate level but not in excess of $2,000,000.

Sec. 6.

Minnesota Statutes 2024, section 80A.66, is amended to read:


80A.66 SECTION 411; POSTREGISTRATION REQUIREMENTS.

(a) Financial requirements. Subject to Section 15(h) of the Securities Exchange Act
of 1934 (15 U.S.C. Section 78o(h)) or Section 222 of the Investment Advisers Act of 1940
(15 U.S.C. Section 80b-22), a rule adopted or order issued under this chapter may establish
minimum financial requirements for broker-dealers registered or required to be registered
under this chapter and investment advisers registered or required to be registered under this
chapter.

(b) Financial reports. Subject to Section 15(h) of the Securities Exchange Act of 1934
(15 U.S.C. Section 78o(h)) or Section 222(b) of the Investment Advisers Act of 1940 (15
U.S.C. Section 80b-22), a broker-dealer registered or required to be registered under this
chapter and an investment adviser registered or required to be registered under this chapter
shall file such financial reports as are required by a rule adopted or order issued under this
chapter. If the information contained in a record filed under this subsection is or becomes
inaccurate or incomplete in a material respect, the registrant shall promptly file a correcting
amendment.

(c) Record keeping. Subject to Section 15(h) of the Securities Exchange Act of 1934
(15 U.S.C. Section 78o(h)) or Section 222 of the Investment Advisers Act of 1940 (15
U.S.C. Section 80b-22):

(1) a broker-dealer registered or required to be registered under this chapter and an
investment adviser registered or required to be registered under this chapter shall make and
maintain the accounts, correspondence, memoranda, papers, books, and other records
required by rule adopted or order issued under this chapter;

(2) broker-dealer records required to be maintained under paragraph (1) may be
maintained in any form of data storage acceptable under Section 17(a) of the Securities
Exchange Act of 1934 (15 U.S.C. Section 78q(a)) if they are readily accessible to the
administrator; and

(3) investment adviser records required to be maintained under paragraph (d)(1) may
be maintained in any form of data storage required by rule adopted or order issued under
this chapter.

(d) Records and reports of private funds.

(1) In general. An investment adviser to a private fund shall maintain such records of,
and file with the administrator such reports and amendments thereto, that an exempt reporting
adviser is required to file with the Securities and Exchange Commission pursuant to SEC
Rule 204-4, Code of Federal Regulations, title 17, section 275.204-4.

(2) Treatment of records. The records and reports of any private fund to which an
investment adviser provides investment advice shall be deemed to be the records and reports
of the investment adviser.

(3) Required information. The records and reports required to be maintained by an
investment adviser, which are subject to inspection by a representative of the administrator
at any time, shall include for each private fund advised by the investment adviser, a
description of:

(A) the amount of assets under management;

(B) the use of leverage, including off-balance-sheet leverage, as to the assets under
management;

(C) counterparty credit risk exposure;

(D) trading and investment positions;

(E) valuation policies and practices of the fund;

(F) types of assets held;

(G) side arrangements or side letters, whereby certain investors in a fund obtain more
favorable rights or entitlements than other investors;

(H) trading practices; and

(I) such other information as the administrator determines is necessary and appropriate
in the public interest and for the protection of investors, which may include the establishment
of different reporting requirements for different classes of fund advisers, based on the type
or size of the private fund being advised.

(4) Filing of records. A rule or order under this chapter may require each investment
adviser to a private fund to file reports containing such information as the administrator
deems necessary and appropriate in the public interest and for the protection of investors.

(e) Audits or inspections. The records of a broker-dealer registered or required to be
registered under this chapter and of an investment adviser registered or required to be
registered under this chapter, including the records of a private fund described in paragraph
(d) and the records of investment advisers to private funds, are subject to such reasonable
periodic, special, or other audits or inspections by a representative of the administrator,
within or without this state, as the administrator considers necessary or appropriate in the
public interest and for the protection of investors. An audit or inspection may be made at
any time and without prior notice. The administrator may copy, and remove for audit or
inspection copies of, all records the administrator reasonably considers necessary or
appropriate to conduct the audit or inspection. The administrator may assess a reasonable
charge for conducting an audit or inspection under this subsection.

(f) Custody and discretionary authority bond or insurance. Subject to Section 15(h)
of the Securities Exchange Act of 1934 (15 U.S.C. Section 78o(h)) or Section 222 of the
Investment Advisers Act of 1940 (15 U.S.C. Section 80b-22), a rule adopted or order issued
under this chapter may require a broker-dealer or investment adviser that has custody of or
discretionary authority over funds or securities of a customer or client to obtain insurance
or post a bond or other satisfactory form of security in an amount of at least $25,000, but
not to exceed $100,000. The administrator may determine the requirements of the insurance,
bond, or other satisfactory form of security. Insurance or a bond or other satisfactory form
of security may not be required of a broker-dealer registered under this chapter whose net
capital exceeds, or of an investment adviser registered under this chapter whose minimum
financial requirements exceed, the amounts required by rule or order under this chapter.
The insurance, bond, or other satisfactory form of security must permit an action by a person
to enforce any liability on the insurance, bond, or other satisfactory form of security if
instituted within the time limitations in section 80A.76(j)(2).

(g) Requirements for custody. Subject to Section 15(h) of the Securities Exchange Act
of 1934 (15 U.S.C. Section 78o(h)) or Section 222 of the Investment Advisers Act of 1940
(15 U.S.C. Section 80b-22), an agent may not have custody of funds or securities of a
customer except under the supervision of a broker-dealer and an investment adviser
representative may not have custody of funds or securities of a client except under the
supervision of an investment adviser or a federal covered investment adviser. A rule adopted
or order issued under this chapter may prohibit, limit, or impose conditions on a broker-dealer
regarding custody of funds or securities of a customer and on an investment adviser regarding
custody of securities or funds of a client.

(h) Investment adviser brochure rule. With respect to an investment adviser registered
or required to be registered under this chapter, a rule adopted or order issued under this
chapter may require that information or other record be furnished or disseminated to clients
or prospective clients in this state as necessary or appropriate in the public interest and for
the protection of investors and advisory clients.

(i) Continuing education. A rule adopted or order issued under this chapter may require
an individual registered under section 80A.57 or 80A.58 to participate in a continuing
education program approved by the Securities and Exchange Commission and administered
by a self-regulatory organizationnew text begin , the North American Securities Administrators Association,
or the commissionernew text end .

Sec. 7.

Minnesota Statutes 2024, section 80E.12, is amended to read:


80E.12 UNLAWFUL ACTS BY MANUFACTURERS, DISTRIBUTORS, OR
FACTORY BRANCHES.

It shall be unlawful for any manufacturer, distributor, or factory branch to require a new
motor vehicle dealer to do any of the following:

(a) order or accept delivery of any new motor vehicle, part or accessory thereof,
equipment, or any other commodity not required by law which has not been voluntarily
ordered by the new motor vehicle dealer, provided that this paragraph does not modify or
supersede reasonable provisions of the franchise requiring the dealer to market a
representative line of the new motor vehicles the manufacturer or distributor is publicly
advertising;

(b) order or accept delivery of any new motor vehicle, part or accessory thereof,
equipment, or any other commodity not required by law in order for the dealer to obtain
delivery of any other motor vehicle ordered by the dealer;

(c) order or accept delivery of any new motor vehicle with special features, accessories,
or equipment not included in the list price of the motor vehicles as publicly advertised by
the manufacturer or distributor;

(d) participate monetarily in an advertising campaign or contest, or to purchase any
promotional materials, showroom, or other display decorations or materials at the expense
of the new motor vehicle dealer;

(e) enter into any agreement with the manufacturer or to do any other act prejudicial to
the new motor vehicle dealer by threatening to cancel a franchise or any contractual
agreement existing between the dealer and the manufacturer. Notice in good faith to any
dealer of the dealer's violation of any terms of the franchise agreement shall not constitute
a violation of sections 80E.01 to 80E.17;

(f) change the capital structure of the new motor vehicle dealer or the means by or
through which the dealer finances the operation of the dealership; provided, that the new
motor vehicle dealer at all times meets any reasonable capital standards agreed to by the
dealer; and also provided, that no change in the capital structure shall cause a change in the
principal management or have the effect of a sale of the franchise without the consent of
the manufacturer or distributor as provided in section 80E.13, paragraph (j);

(g) prevent or attempt to prevent, by contract or otherwise, any motor vehicle dealer
from changing the executive management control of the new motor vehicle dealer unless
the franchisor proves that the change of executive management will result in executive
management control by a person who is not of good moral character or who does not meet
the franchisor's existing reasonable capital standards and, with consideration given to the
volume of sales and services of the new motor vehicle dealer, uniformly applied minimum
business experience standards in the market area; provided, that where the manufacturer,
distributor, or factory branch rejects a proposed change in executive management control,
the manufacturer, distributor, or factory branch shall give written notice of its reasons to
the dealer;

(h) refrain from participation in the management of, investment in, or the acquisition
of, any other line of new motor vehicle or related products or establishment of another make
or line of new motor vehicles in the same dealership facilities as those of the manufacturer;
provided, however, that this clause does not apply unless the new motor vehicle dealer
maintains a reasonable line of credit for each make or line of new motor vehicle, and that
the new motor vehicle dealer remains in substantial compliance with the terms and conditions
of the franchise and with any reasonable facilities requirements of the manufacturer and
that the acquisition or addition is not unreasonable in light of all existing circumstances;
provided further that if a manufacturer determines to deny a dealer's request for a change
described in this paragraph, such denial must be in writing, must offer an analysis of the
grounds for the denial addressing the criteria contained in this paragraph, and must be
delivered to the new motor vehicle dealer within 60 days after the manufacturer receives
the completed application or documents customarily used by the manufacturer for dealer
actions described in this paragraph. If a denial that meets the requirements of this paragraph
is not sent within this period, the manufacturer shall be deemed to have given its consent
to the proposed change.

For purposes of this section and sections 80E.07, subdivision 1, paragraph (c), and 80E.14,
subdivision 4, reasonable facilities requirements shall not include a requirement that a dealer
establish or maintain exclusive facilities for the manufacturer of a line make unless
determined to be reasonable in light of all existing circumstances or the dealer and the
manufacturer voluntarily agree to such a requirement and separate and adequate consideration
was offered and accepted;

(i) during the course of the agreement, change the location of the new motor vehicle
dealership or make any substantial alterations to the dealership premises during the course
of the agreement, when to do so would be unreasonable or if the manufacturer fails to
provide the dealer 180 days' prior written notice of a required change in location or substantial
premises alteration; deleted text begin or
deleted text end

(j) prospectively assent to a release, assignment, novation, waiver, or estoppel whereby
a dealer relinquishes any rights under sections 80E.01 to 80E.17, or which would relieve
any person from liability imposed by sections 80E.01 to 80E.17 or to require any controversy
between a new motor vehicle dealer and a manufacturer, distributor, or factory branch to
be referred to any person or tribunal other than the duly constituted courts of this state or
the United States, if the referral would be binding upon the new motor vehicle dealerdeleted text begin .deleted text end new text begin ; or
new text end

new text begin (k) refrain from participation in an auto show described in section 168.27, subdivision
10a.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective the day following final enactment.
 new text end

Sec. 8.

Minnesota Statutes 2024, section 82B.19, subdivision 5, is amended to read:


Subd. 5.

Out-of-state continuing education credit.

(a) For purposes of this subdivision,
the following terms have the meanings given:

(1) "asynchronous educational offering" has the meaning given in the most recent version
of the Real Property Appraiser Qualification Criteria, as established by the Appraiser
Qualifications Board; and

(2) "synchronous educational offering" has the meaning given in the most recent version
of the Real Property Appraiser Qualification Criteria, as established by the Appraiser
Qualifications Board, and includes an educational process based on live or real-time
instruction where there is no geographic separation of instructor and student.

(b) Notwithstanding section 45.30, subdivisions 1 and 6, a real estate appraisernew text begin or course
providernew text end may submit, in a form prescribed by the commissioner, an application for continuing
education credit for a synchronous educational offering that has not been submitted for prior
approval in Minnesota. The commissioner must grant a real estate appraiser continuing
education credit if:

(1) the application is submitted on or before August 1 of the year in which the real estate
appraiser license is due for renewal;

(2) the synchronous educational offering has been approved for continuing education
credit by the regulator of real estate appraisers in at least one other state or United States
territory; and

(3) an application is submitted by the real estate appraisernew text begin or course providernew text end to the
commissioner within deleted text begin 30deleted text end new text begin 60new text end days of successful completion of the synchronous educational
offering.

(c) The application must include a certificate of successful completion from the
synchronous educational offering provider. The commissioner must grant a real estate
appraiser the same number of continuing education credits for the successful completion
of the synchronous educational offering as was approved for the offering by the out-of-state
real estate appraiser regulatory authority. The commissioner must grant a real estate appraiser
continuing education credit within 60 days of the submission of the completed application
for out-of-state continuing education credit.

(d) The commissioner may charge a fee to a real estate appraiser, in an amount to be
determined by the commissioner, to submit an application under this subdivision.

(e) This subdivision does not apply to asynchronous educational offerings.

Sec. 9.

Minnesota Statutes 2024, section 168.27, is amended by adding a subdivision to
read:


new text begin Subd. 10a. new text end

new text begin Participation in auto shows. new text end

new text begin (a) A new motor vehicle dealer may participate
in an auto show outside the county where the dealer maintains the dealer's licensed location
to sell new vehicles without obtaining an additional license if:
 new text end

new text begin (1) the dealer participates in an auto show that takes place in a county other than the
county where the dealer maintains a licensed location not more than four times during any
calendar year;
 new text end

new text begin (2) the auto show is held at a location in a city of the first class or a city immediately
adjacent to a city of the first class;
 new text end

new text begin (3) the auto show is not held at a licensed location of any participating dealer;
 new text end

new text begin (4) there are ten or more dealers participating in the auto show;
 new text end

new text begin (5) the auto show is of a duration of no more than 12 consecutive days;
 new text end

new text begin (6) the auto show is conducted by a trade association exempt from federal taxes under
United States Code, title 26, section 501(c)(6); and
 new text end

new text begin (7) the auto show expressly prohibits:
 new text end

new text begin (i) the sale or lease of vehicles at the show;
 new text end

new text begin (ii) labeling or marking vehicles as "For Sale" or "Sold";
 new text end

new text begin (iii) labeling or marking a vehicle with a price other than the manufacturer's retail price
label;
 new text end

new text begin (iv) using printed posters, cards, and other printed materials that contain special dealership
pricing; and
 new text end

new text begin (v) appraisal of trade-in vehicles and quoting a trade-in price for a particular vehicle.
 new text end

new text begin (b) The auto show may permit:
 new text end

new text begin (1) exhibitor staff to distribute business cards, coupons, vehicle promotional materials,
and factory-approved rebates;
 new text end

new text begin (2) exhibitor staff to make appointments for potential customers to visit the dealership,
collect names of customer leads for later contact, and discuss the suggested retail price of
a vehicle and the availability of particular lines of vehicles; and
 new text end

new text begin (3) test rides or test drives of new vehicles but only under a program conducted by the
auto show.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective the day following final enactment.
 new text end

Sec. 10.

Minnesota Statutes 2024, section 239.761, subdivision 3, is amended to read:


Subd. 3.

Gasoline.

(a) Gasoline that is not blended with biofuel must not be contaminated
with water or other impurities and must comply with ASTM specification deleted text begin D4814-11bdeleted text end new text begin
D4814-24anew text end . Gasoline that is not blended with biofuel must also comply with the volatility
requirements in Code of Federal Regulations, title 40, part 1090.

(b) After gasoline is sold, transferred, or otherwise removed from a refinery or terminal,
a person responsible for the product:

(1) may blend the gasoline with agriculturally derived ethanol as provided in subdivision
4;

(2) shall not blend the gasoline with any oxygenate other than biofuel;

(3) shall not blend the gasoline with other petroleum products that are not gasoline or
biofuel;

(4) shall not blend the gasoline with products commonly and commercially known as
casinghead gasoline, absorption gasoline, condensation gasoline, drip gasoline, or natural
gasoline; and

(5) may blend the gasoline with a detergent additive, an antiknock additive, or an additive
designed to replace tetra-ethyl lead, that is registered by the EPA.

Sec. 11.

Minnesota Statutes 2024, section 239.761, subdivision 4, is amended to read:


Subd. 4.

Gasoline blended with ethanol; general.

(a) Gasoline may be blended with
agriculturally derived, denatured ethanol that complies with the requirements of subdivision
5.

(b) A gasoline-ethanol blend must:

(1) comply with the volatility requirements in Code of Federal Regulations, title 40, part
1090;

(2) comply with ASTM specification deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end , or the gasoline base stock
from which a gasoline-ethanol blend was produced must comply with ASTM specification
deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end ; and

(3) not be blended with casinghead gasoline, absorption gasoline, condensation gasoline,
drip gasoline, or natural gasoline after the gasoline-ethanol blend has been sold, transferred,
or otherwise removed from a refinery or terminal.

Sec. 12.

Minnesota Statutes 2024, section 239.761, subdivision 5, is amended to read:


Subd. 5.

Denatured ethanol.

Denatured ethanol that is to be blended with gasoline must
be agriculturally derived and must comply with ASTM specification deleted text begin D4806-11adeleted text end new text begin D4806-21anew text end .
This includes the requirement that ethanol may be denatured only as specified in Code of
Federal Regulations, title 27, parts 20 and 21.

Sec. 13.

Minnesota Statutes 2024, section 239.761, subdivision 6, is amended to read:


Subd. 6.

Gasoline blended with nonethanol oxygenate.

(a) A person responsible for
the product shall comply with the following requirements:

(1) after July 1, 2000, gasoline containing in excess of one-third of one percent, in total,
of nonethanol oxygenates listed in paragraph (b) must not be sold or offered for sale at any
time in this state; and

(2) after July 1, 2005, gasoline containing any of the nonethanol oxygenates listed in
paragraph (b) must not be sold or offered for sale in this state.

(b) The oxygenates prohibited under paragraph (a) are:

(1) methyl tertiary butyl ether, as defined in section 296A.01, subdivision 34;

(2) ethyl tertiary butyl ether, as defined in section 296A.01, subdivision 18; or

(3) tertiary amyl methyl ether.

(c) Gasoline that is blended with a nonethanol oxygenate must comply with ASTM
specification deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end . Nonethanol oxygenates must not be blended into
gasoline after the gasoline has been sold, transferred, or otherwise removed from a refinery
or terminal.

Sec. 14.

Minnesota Statutes 2024, section 239.791, subdivision 11, is amended to read:


Subd. 11.

Exemption for motor sports racing.

new text begin (a) new text end A person responsible for the product
may offer for sale, sell, or dispense at a public or private racecoursenew text begin or a retail gasoline
stationnew text end , gasoline that is not oxygenated in accordance with subdivision 1 if the gasoline is
intended to be used exclusively as a fuel for off-highway motor sports racing events.

new text begin (b) No more than one storage tank on the premises of a retail gasoline station may be
used for the storage of nonoxygenated motor sports racing gasoline that is offered for sale,
sold, or dispensed at the station. The pump stand at the station must be posted with a
permanent, conspicuously placed notice in full view of consumers stating: "FOR USE IN
OFF-HIGHWAY MOTOR SPORTS ENGINES ONLY."
 new text end

Sec. 15.

Minnesota Statutes 2024, section 296A.01, subdivision 20, is amended to read:


Subd. 20.

Ethanol, denatured.

"Ethanol, denatured" means ethanol that is to be blended
with gasoline, has been agriculturally derived, and complies with ASTM specification
deleted text begin D4806-11adeleted text end new text begin D4806-21anew text end . This includes the requirement that ethanol may be denatured only
as specified in Code of Federal Regulations, title 27, parts 20 and 21.

Sec. 16.

Minnesota Statutes 2024, section 296A.01, subdivision 23, is amended to read:


Subd. 23.

Gasoline.

(a) "Gasoline" means:

(1) all products commonly or commercially known or sold as gasoline regardless of
their classification or uses, except casinghead gasoline, absorption gasoline, condensation
gasoline, drip gasoline, or natural gasoline that under the requirements of section 239.761,
subdivision 3, must not be blended with gasoline that has been sold, transferred, or otherwise
removed from a refinery or terminal; and

(2) any liquid prepared, advertised, offered for sale or sold for use as, or commonly and
commercially used as, a fuel in spark-ignition, internal combustion engines, and that when
tested by the Weights and Measures Division meets the specifications in ASTM specification
deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end .

(b) Gasoline that is not blended with ethanol must not be contaminated with water or
other impurities and must comply with both ASTM specification deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end
and the volatility requirements in Code of Federal Regulations, title 40, part 1090.

(c) After gasoline is sold, transferred, or otherwise removed from a refinery or terminal,
a person responsible for the product:

(1) may blend the gasoline with agriculturally derived ethanol, as provided in subdivision
24;

(2) must not blend the gasoline with any oxygenate other than denatured, agriculturally
derived ethanol;

(3) must not blend the gasoline with other petroleum products that are not gasoline or
denatured, agriculturally derived ethanol;

(4) must not blend the gasoline with products commonly and commercially known as
casinghead gasoline, absorption gasoline, condensation gasoline, drip gasoline, or natural
gasoline; and

(5) may blend the gasoline with a detergent additive, an antiknock additive, or an additive
designed to replace tetra-ethyl lead, that is registered by the EPA.

Sec. 17.

Minnesota Statutes 2024, section 296A.01, subdivision 24, is amended to read:


Subd. 24.

Gasoline blended with nonethanol oxygenate.

"Gasoline blended with
nonethanol oxygenate" means gasoline blended with ETBE, MTBE, or other alcohol or
ether, except denatured ethanol, that is approved as an oxygenate by the EPA, and that
complies with ASTM specification deleted text begin D4814-11bdeleted text end new text begin D4814-24anew text end . Oxygenates, other than denatured
ethanol, must not be blended into gasoline after the gasoline has been sold, transferred, or
otherwise removed from a refinery or terminal.

Sec. 18.

new text begin [325F.677] AVAILABILITY OF WATER AT PLACES OF
ENTERTAINMENT.
 new text end

new text begin Subdivision 1. new text end

new text begin Definition. new text end

new text begin For purposes of this section, "place of entertainment" has the
meaning given in section 325F.676, subdivision 1, paragraph (h).
 new text end

new text begin Subd. 2. new text end

new text begin Available water requirement. new text end

new text begin When occupancy exceeds 100 attendees and
when an attendee must have a ticket in order to access the place of entertainment, a place
of entertainment must provide attendees with access to potable water by:
 new text end

new text begin (1) providing water at no cost to the attendees;
 new text end

new text begin (2) allowing attendees to bring factory-sealed bottled water into the place of
entertainment; or
 new text end

new text begin (3) allowing attendees to bring an empty water bottle to the place of entertainment and
providing attendees with access to potable water to fill the bottle. A place of entertainment
may prohibit certain types and sizes of water bottles in order to protect the safety of others.
 new text end

new text begin Subd. 3. new text end

new text begin Exceptions. new text end

new text begin A museum exhibit gallery or presentation space where beverages
are prohibited is not required to allow water into the museum exhibit gallery or presentation
space if water is available at no cost in an accessible location outside of the museum exhibit
gallery or presentation space.
 new text end

Sec. 19. new text begin SECURITIES BROKER-DEALER CONDUCT; EXPEDITED
RULEMAKING.
new text end

new text begin The commissioner of commerce must adopt rules amending Minnesota Rules, part
2876.5021, to reflect that NASD is now referred to as FINRA and to comply with FINRA's
new securities broker-dealer conduct rules. The commissioner of commerce may use the
expedited rulemaking process under Minnesota Statutes, section 14.389, to amend Minnesota
Rules, part 2876.5021, under this section.
 new text end

Sec. 20. new text begin REPEALER.
new text end

new text begin Minnesota Statutes 2024, sections 325F.02; 325F.03; 325F.04; 325F.05; 325F.06; and
325F.07, new text end new text begin are repealed.
 new text end

APPENDIX

Repealed Minnesota Statutes: H2403-1

62A.3099 DEFINITIONS.

Subd. 18b.

Open enrollment period.

"Open enrollment period" means the time period described in Code of Federal Regulations, title 42, section 422.62, paragraph (a), clauses (2) to (4), as amended.

62A.31 MEDICARE SUPPLEMENT BENEFITS; MINIMUM STANDARDS.

Subd. 1w.

Open enrollment.

A medicare supplement policy or certificate must not be sold or issued to an eligible individual outside of the time periods described in subdivision 1u.

65B.10 ELIGIBILITY.

Subd. 3.

Review of insureds.

At least annually, every member shall review every private passenger nonfleet applicant which it insures through the facility and determine whether or not such applicant is acceptable for voluntary insurance at a rate lower than the facility rate. If such applicant is acceptable, the member shall make an offer to insure the applicant under voluntary coverage at such lower rate.

325F.02 MANUFACTURE, STORAGE, OR SALE OF MATCHES.

Subdivision 1.

Safety matches.

No person, association, or corporation shall manufacture, store, offer for sale, sell, or otherwise dispose of, or distribute, white phosphorus, single-dipped, strike-anywhere matches of the type popularly known as "parlor matches", or any type of double-dipped matches, unless the bulb or first dip of such match is composed of a so-called safety or inert composition, nonignitable on an abrasive surface. No person, association, or corporation shall manufacture, store, sell, offer for sale, or otherwise dispose of, or distribute, matches which will ignite in a laboratory oven at a temperature of less than 200 degrees Fahrenheit when subjected in such laboratory oven to a gradually increasing heat and maintained at the before stated continuous temperature for a period of not less than eight hours, or blazer or so-called wind matches, whether of the so-called safety or strike-anywhere type.

Subd. 2.

Brands and trademarks.

No person, association, or corporation shall offer for sale, sell or otherwise dispose of, or distribute, any matches, unless the package or container in which such matches are packed bears, plainly marked on the outside thereof, the name of the manufacturer and the brand or trademark under which such matches are sold, disposed of, or distributed.

Subd. 3.

How kept in retail stores.

Not more than one case of each brand of matches of any type or manufacture shall be opened at any one time in any retail store where matches are sold or otherwise disposed of; nor shall loose boxes, or paper-wrapped packages, of matches be kept on shelves or stored in retail stores at a height exceeding five feet from the floor.

Subd. 4.

Storage in warehouses.

All matches stored in warehouses, excepting manufacturer's warehouse at place of manufacture, which contain automatic sprinkler equipment, must be kept only in properly secured cases, and not piled to a height exceeding ten feet from the floor; nor be stored within a horizontal distance of ten feet from any boiler, furnace, stove, or other like heating apparatus, nor within a horizontal distance of 25 feet from any explosive material kept or stored on the same floor.

Subd. 5.

Boxes, how made.

All matches shall be packed in boxes or suitable packages, containing not more than 700 matches in any one box or package; provided, that when more than 300 matches are packed in any one box or package, the matches shall be arranged in two nearly equal portions, the heads of the matches in the two portions shall be placed in opposite directions; and all boxes containing 350 or more matches shall have placed over the matches a center holding or protecting strip, made of chipboard, not less than 1-1/4 inches wide, which shall be flanged down to hold the matches in position when the box is nested into the shuck or withdrawn from it.

Subd. 6.

Containers or cases; number of boxes or packages; how marked.

All match boxes or packages shall be packed in strong shipping containers or cases; maximum number of match boxes or packages contained in any one shipping container or case shall not exceed the following number:

Number of boxes Numerical number ofmatches per box
1/2 gross . 700
1 gross . 500
2 gross . 400
3 gross . 300
5 gross . 200
12 gross . 100
20 gross . Over 50 and under 100
25 gross . Under 50

No shipping container or case constructed of fiberboard, corrugated fiberboard, or wood, nailed or wire-bound, containing matches, shall have a weight, including its contents, exceeding 75 pounds; and no lock-cornered wood case containing matches shall have a weight, including its contents, exceeding 85 pounds; nor shall any other article or commodity be packed with matches in any container or case; and all shipping containers or cases containing strike-anywhere matches shall have plainly marked on the outside thereof the words "strike-anywhere matches," and all shipping containers or cases containing "strike on box" matches shall have plainly marked on the outside thereof the words "strike on box matches."

Subd. 7.

Violations; penalties.

Any person, association, or corporation violating any of the provisions of this section shall be fined, for the first offense, not less than $5 nor more than $25 and for each subsequent violation, not less than $25.

325F.03 FLAME RESISTANT PUBLIC ASSEMBLY TENTS.

No person, firm or corporation shall establish, maintain or operate any circus, side show, carnival, tent show, theater, skating rink, dance hall, or a similar exhibition, production, engagement or offering or other place of assemblage in or under which 15 or more persons may gather for any lawful purpose in any tent, awning or other fabric enclosure unless such tent, awning or other fabric enclosure, and all auxiliary tents, curtains, drops, awnings and all decorative materials, are made from a nonflammable material or are treated and maintained in a flame resistant condition. This section does not apply to tents designed or manufactured for camping, backpacking, mountaineering, or children's play; tents used to conduct committal services on the grounds of a cemetery; nor to tents, awnings or other fabric enclosures erected and used within a sound stage, or other similar structural enclosure which is equipped with an overhead automatic sprinkler system.

325F.04 FLAME RESISTANT TENTS.

No person, firm, or corporation may sell or offer for sale or manufacture for sale in this state any tent subject to section 325F.03 unless all fabrics or pliable materials in the tent are durably flame resistant. Tents subject to section 325F.03 shall be conspicuously labeled as being durably flame resistant.

325F.05 RULES.

The commissioner of public safety shall act so as to have effective rules concerning standards for durably flame resistant materials and for labeling requirements under sections 325F.03 and 325F.04. In order to comply with sections 325F.03 and 325F.04, all materials and labels must comply with the rules adopted by the commissioner. The commissioner has general rulemaking power to otherwise implement sections 325F.03 to 325F.07.

325F.06 CIVIL PENALTIES.

Any firm or corporation who violates sections 325F.03 to 325F.05 shall be strictly liable for any damage which occurs to any person as a result of such violation. In addition, any seller shall refund the full purchase price of any item sold in violation of section 325F.04 upon return of the item by the buyer.

325F.07 CRIMINAL PENALTY.

Any person, firm or corporation which violates sections 325F.03 to 325F.05 is guilty of a misdemeanor.

Repealed Minnesota Session Laws: H2403-1

Laws 2023, chapter 57, article 2, section 66

Sec. 66. new text begin REPEALER.new text end

new text begin Minnesota Statutes 2022, section 62A.31, subdivisions 1b and 1i, new text end new text begin are repealed. new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2025, and applies to policies offered, issued, or renewed on or after that date. new text end