I 

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. GARCI ́A 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. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Preventing Credit 

5 Score Discrimination in Auto Insurance Act’’. 


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1 SEC. 2. USE OF CONSUMER REPORTS AND CONSUMER IN2 FORMATION FOR AUTO INSURANCE PUR3 POSES PROHIBITED. 

4 (a) IN GENERAL.—Section 604(a)(3)(C) of the Fair 

5 Credit Reporting Act (15 U.S.C. 1681b(a)(3)(C)) is 

6 amended by inserting ‘‘, except auto insurance (as defined 

7 under subsection (h)(3))’’ before the semicolon. 

8 (b) RULE OF CONSTRUCTION.—Section 604 of the 

9 Fair Credit Reporting Act (15 U.S.C. 1681b) is amended 

10 by adding at the end the following new subsection: 

11 ‘‘(h) AUTO INSURANCE NOT AN AUTHORIZED BUSI12 NESS PURPOSE.— 

13 ‘‘(1) IN GENERAL.—No consumer reporting 

14 agency may furnish a consumer report or consumer 

15 information with respect to any consumer to any 

16 person for use in making any decision to underwrite 

17 or rate auto insurance, and no person shall use or 

18 obtain a consumer report or consumer information 

19 with respect to any consumer in connection with the 

20 underwriting or rating of any consumer in connec21 tion with a transaction involving auto insurance. 

22 ‘‘(2) INSURANCE INFORMATION NOT IN23 CLUDED.—Information derived from the following 

24 databases shall not be treated as a consumer report 

25 or consumer information for purposes of paragraph 

26 (1): 


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1 ‘‘(A) Databases that contain information 

2 on property loss data regarding auto insurance, 

3 such as the Comprehensive Loss Underwriting 

4 Exchange (CLUE) and Automobile Property 

5 Loss Underwriting System (A–PLUS). 

6 ‘‘(B) Databases that contain information 

7 on driver history, such as accidents or moving 

8 violations, typically maintained at State depart9 ments of motor vehicles. 

10 ‘‘(3) DEFINITIONS.—For purposes of this sub11 section: 

12 ‘‘(A) CONSUMER INFORMATION.—The 

13 term ‘consumer information’ means any infor14 mation from the file of any consumer at a con15 sumer reporting agency, or any product derived 

16 from any such information such as consumer 

17 credit reports or credit scores or any other risk 

18 score or predictor on any consumer. 

19 ‘‘(B) AUTO INSURANCE.—The term ‘auto 

20 insurance’ means any personal automobile line 

21 of insurance, as defined in the Uniform Prop22 erty and Casualty Product Coding Matrix es23 tablished and maintained by the National AssoVerDate Sep 11 2014 01:56 Mar 28, 2019 Jkt 089200 PO 00000 Frm 00003 Fmt 6652 Sfmt 6201 E:\BILLS\H1756.IH H1756

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1 ciation of Insurance Commissioners or any suc2 cessor document.’’. 

Æ 


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