Amends the persons subject to the $50 referral fee cap under GS 58-33-82(f) (pertaining to insurance commissions) so that the fee cap applies to referrals of insurance business by an unlicensed individual to a producer licensed under GS 58-33-26(c1)(6) (currently, fee cap applies to referrals by unlicensed individuals to licensed insurance agents or brokers). Removes exception for title insurance.  Applies to any referral of insurance business made on or after October 1, 2025.