Legislation could impact fraud efforts. Some well-intended state laws could create unforeseen issues for insurance carriers and their efforts to reduce fraudulent claims. (Photo: Shutterstock)

More than 100 insurance-fraud bills are already in the hopper for state action. Three major state supreme court cases also could have a dramatic impact on combatting fraud. Privacy of consumer data — and how it affects fraud investigations — will figure big this year as well.

Privacy and cybersecurity. Data breaches and theft of personal information continue mounting as our nation moves deeper into electronic and digital communication. Medical ID theft remains a thriving insurance-fraud crime.

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