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House Bill 1756
116th Congress(2019-2020)
Preventing Credit Score Discrimination in Auto Insurance Act
Introduced
Introduced
Introduced in House on Mar 14, 2019
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Introduced in House 
Mar 14, 2019
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Introduced in House(Mar 14, 2019)
Mar 14, 2019
Not Scanned for Linkage
About Linkage
Multiple bills can contain the same text. This could be an identical bill in the opposite chamber or a smaller bill with a section embedded in a larger bill.
Bill Sponsor regularly scans bill texts to find sections that are contained in other bill texts. When a matching section is found, the bills containing that section can be viewed by clicking "View Bills" within the bill text section.
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H. R. 1756 (Introduced-in-House)


116th CONGRESS
1st Session
H. R. 1756


To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES

March 14, 2019

Ms. Tlaib (for herself, Mrs. Dingell, Mr. Cohen, Mr. Lawson of Florida, Ms. Plaskett, Ms. Clarke of New York, Mr. Richmond, Ms. Wilson of Florida, Mrs. Lawrence, Mr. Butterfield, Ms. Jackson Lee, Ms. Ocasio-Cortez, Ms. Norton, Ms. Pressley, Ms. Omar, Ms. Hill of California, Ms. Lee of California, Ms. Escobar, Ms. Johnson of Texas, Mr. Green of Texas, Mr. Khanna, Mr. García of Illinois, Mr. McGovern, Ms. Jayapal, and Ms. Shalala) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Fair Credit Reporting Act to prohibit the use of consumer reports and consumer information in making any determination involving auto insurance with respect to a consumer, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. Short title.

This Act may be cited as the “Preventing Credit Score Discrimination in Auto Insurance Act”.

SEC. 2. Use of consumer reports and consumer information for auto insurance purposes prohibited.

(a) In general.—Section 604(a)(3)(C) of the Fair Credit Reporting Act (15 U.S.C. 1681b(a)(3)(C)) is amended by inserting “, except auto insurance (as defined under subsection (h)(3))” before the semicolon.

(b) Rule of construction.—Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) is amended by adding at the end the following new subsection:

“(h) Auto insurance not an authorized business purpose.—

“(1) IN GENERAL.—No consumer reporting agency may furnish a consumer report or consumer information with respect to any consumer to any person for use in making any decision to underwrite or rate auto insurance, and no person shall use or obtain a consumer report or consumer information with respect to any consumer in connection with the underwriting or rating of any consumer in connection with a transaction involving auto insurance.

“(2) INSURANCE INFORMATION NOT INCLUDED.—Information derived from the following databases shall not be treated as a consumer report or consumer information for purposes of paragraph (1):

“(A) Databases that contain information on property loss data regarding auto insurance, such as the Comprehensive Loss Underwriting Exchange (CLUE) and Automobile Property Loss Underwriting System (A–PLUS).

“(B) Databases that contain information on driver history, such as accidents or moving violations, typically maintained at State departments of motor vehicles.

“(3) DEFINITIONS.—For purposes of this subsection:

“(A) CONSUMER INFORMATION.—The term ‘consumer information’ means any information from the file of any consumer at a consumer reporting agency, or any product derived from any such information such as consumer credit reports or credit scores or any other risk score or predictor on any consumer.

“(B) AUTO INSURANCE.—The term ‘auto insurance’ means any personal automobile line of insurance, as defined in the Uniform Property and Casualty Product Coding Matrix established and maintained by the National Association of Insurance Commissioners or any successor document.”.