I 
112TH CONGRESS 
2D SESSION 
H. R. 6129 
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 
JULY 13, 2012 
Mr. CLARKE of Michigan (for himself, Mr. CONYERS, and Mr. THOMPSON of 
Mississippi) introduced the following bill; which was referred to the Com-
mittee 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 Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Ban the Use of Credit 
Scores in Auto Insurance Act’’. 
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SEC. 2. USE OF CONSUMER REPORTS AND CONSUMER IN-
FORMATION FOR AUTO INSURANCE PUR-
POSES 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 BUSI-
NESS 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 connec-
tion with a transaction involving auto insurance. 
‘‘(2) 
INSURANCE
INFORMATION
NOT
IN-
CLUDED.—Information derived from the following 
databases shall not be treated as a consumer report 
or consumer information for purposes of paragraph 
(1): 
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‘‘(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 depart-
ments of motor vehicles. 
‘‘(3) DEFINITIONS.—For purposes of this sub-
section: 
‘‘(A) 
CONSUMER
INFORMATION.—The 
term ‘consumer information’ means any infor-
mation from the file of any consumer at a con-
sumer 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 ‘per-
sonal line of insurance’ means any personal 
automobile line of insurance, as defined in the 
Uniform Property and Casualty Product Coding 
Matrix established and maintained by the Na-
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tional Association of Insurance Commissioners 
or any successor document.’’. 
Æ 
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