Senate committee substitute to the 1st edition makes the following changes. Amends prong three of new GS 58-63-16 authorizing insurers, insurance producers, and limited representatives to offer or provide products and services without or at a reduced fee (was, without or at a reduced fee regardless of whether the products or services are related to an insurance contract) if all of the following are met: their receipt is not contingent upon the purchase of insurance, they are offered on the same terms to all potential eligible customers (was, just all potential customers), and these such requirements are received by the recipient in writing. Makes clarifying changes, and no longer specifies that the provisions in new GS 58-63-16 (a) are notwithstanding GS 58-33-58 and GS 58-63-15. Enacts new GS 58-33-82(f) (commissions) capping commissions, fees or other valuable consideration for certain referral of insurance business by an unlicensed individual to a licensed insurance agent or broker at $50. Specifies that a violation of the new subsection can be punished by a fine not to exceed $2,000 for each violation. Exempts title insurance from $50 cap. Applies to any referral of insurance business made after October 1, 2023. Amends the act's long title.