This bill establishes a new legal framework regarding the responsibility of firearm owners to secure their firearms. Specifically, it allows individuals harmed by a criminal offense, committed with a firearm that was not properly secured by its owner, to file a civil lawsuit against that owner. The bill outlines that if a firearm is stolen and the owner reported the theft to law enforcement prior to the criminal act, this can serve as an affirmative defense for the owner in any resulting civil action. Additionally, the court may award the prevailing party court costs and reasonable attorney fees.

The provisions of this bill will take effect for causes of action arising on or after July 1, 2026. This legislation aims to enhance accountability among firearm owners and promote the secure storage of firearms to prevent unauthorized access and potential criminal use.