in this Act shall be construed to prevent an attorney 
general, official, or agency of a State from exercising 
the powers conferred on the attorney general, offi-
cial, or agency by the laws of such State to conduct 
investigations, administer oaths and affirmations, or 
compel the attendance of witnesses or the production 
of documentary and other evidence. 
SEC. 5. RELATION TO STATE LAW. 
This Act does not annul, alter, affect, or exempt any 
person subject to the provisions of this Act from complying 
with the laws of any State with respect to the collection, 
distribution, or use of any information on consumers, the 
prevention or mitigation of identity theft, or the regulation 
of the business of insurance, except to the extent that 
those laws are inconsistent with any provision of this Act, 
and then only to the extent of the inconsistency. 
SEC. 6. DEFINITIONS. 
For the purposes of this Act, the following definitions 
apply: 
(1) AFFILIATE.—The term ‘‘affiliate’’ means an 
entity that, directly or indirectly, through one or 
more intermediaries, controls, is controlled by, or is 
under common control with another entity. For pur-
poses of this paragraph, the term ‘‘control’’ means 
the possession, directly or indirectly, of the power to 
VerDate Sep 11 2014 
18:26 Jun 02, 2025
Jkt 059200
PO 00000
Frm 00012
Fmt 6652
Sfmt 6201
E:\BILLS\H3664.IH
H3664
ssavage on LAPJG3WLY3PROD with BILLS
direct or cause the direction of the management and 
policies of the entity, whether— 
(A) through the ownership of voting securi-
ties; 
(B) by contract other than a commercial 
contract for goods or non-management services; 
(C) by contract for goods or non-manage-
ment services where the volume of activity re-
sults in a reliance relationship; or 
(D) by common management. 
Control shall be presumed to exist if an entity and 
its affiliates directly or indirectly own, control, hold 
with the power to vote, or hold proxies representing 
10 percent or more of the voting interests of an enti-
ty. 
(2) AUTOMOBILE INSURER.—The term ‘‘auto-
mobile insurer’’ means an insurer authorized to 
transact or transacting automobile insurance, motor 
vehicle insurance, automobile or motor vehicle liabil-
ity insurance, or any similar insurance business in 
the United States. 
(3) CENSUS TRACT.—The term ‘‘census tract’’ 
means any small, relatively permanent statistical 
subdivision of a county, as used by the United 
States Census Bureau. 
VerDate Sep 11 2014 
18:26 Jun 02, 2025
Jkt 059200
PO 00000
Frm 00013
Fmt 6652
Sfmt 6201
E:\BILLS\H3664.IH
H3664
ssavage on LAPJG3WLY3PROD with BILLS
(4) CONSUMER REPORT.—The term ‘‘consumer 
report’’ has the meaning given such term in section 
603 of the Fair Credit Reporting Act (15 U.S.C. 
1681a), except that such term does not include any 
communication to the extent such communication re-
lates to the driving history or place of residence of 
a consumer. 
(5) CREDIT-BASED
INSURANCE
SCORE.—The 
term ‘‘credit-based insurance score’’ means a rating 
based in whole or in part on a consumer’s credit in-
formation used in underwriting and rating of con-
sumers that takes into account certain elements of 
an individual’s credit history to predict how likely 
such individual is to have an insurance loss. 
(6) CREDIT SCORE.—The term ‘‘credit score’’ 
has the meaning given such term in section 
609(f)(2) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(f)(2)). 
(7) EMPLOYMENT STATUS.—The term ‘‘employ-
ment status’’ means a consumer’s status as a cur-
rent full-time employee, part-time employee, em-
ployed, unemployed, underemployed, or any other 
such designation which indicates a consumer’s work 
status. 
VerDate Sep 11 2014 
18:26 Jun 02, 2025
Jkt 059200
PO 00000
Frm 00014
Fmt 6652
Sfmt 6201
E:\BILLS\H3664.IH
H3664
ssavage on LAPJG3WLY3PROD with BILLS
(8) HOME
OWNERSHIP
STATUS.—The term 
‘‘home ownership status’’ refers to whether a con-
sumer currently owns any real property which may 
be used as a residence. 
(9) LEVEL OF EDUCATION.—The term ‘‘level of 
education’’ refers to the highest grade level com-
pleted in a secondary school or trade school, a pro-
fessional licensure or certification, or the highest un-
dergraduate or graduate college degree obtained. 
Such term does not include the completion of a traf-
fic safety course or scholastic achievement while en-
rolled in a school, college, or university. 
(10) OCCUPATION.—The term ‘‘occupation’’ 
means a consumer’s current lawful employment posi-
tion in a career or identifiable trade category. 
(11) PRIVATE PASSENGER AUTOMOBILE.—The 
term ‘‘private passenger automobile’’ means a 4- 
wheel motor vehicle, whether owned or leased to an 
individual or individuals, and that is of a private 
passenger or station wagon type, or that is a motor 
vehicle with a pickup body, a delivery sedan, a pas-
senger van, a sports utility vehicle, or a panel truck 
or a camper type vehicle, and that— 
(A) is not used as a public or livery con-
veyance for passengers; 
VerDate Sep 11 2014 
18:26 Jun 02, 2025
Jkt 059200
PO 00000
Frm 00015
Fmt 6652
Sfmt 6201
E:\BILLS\H3664.IH
H3664
ssavage on LAPJG3WLY3PROD with BILLS
(B) is not rented to others; 
(C) has a gross vehicle weight of less than 
15,000 pounds; and 
(D) is not primarily used in the course of 
an occupation, profession, or business of a per-
son other than farming or ranching. 
Such term includes a motor vehicle owned by a farm 
family co-partnership or farm family corporation, 
which is principally garaged on a farm or ranch and 
otherwise meets the definition contained in this 
paragraph. 
SEC. 7. EFFECTIVE DATE. 
This Act shall take effect 1 year after the date of 
enactment of this Act. 
Æ 
VerDate Sep 11 2014 
18:26 Jun 02, 2025
Jkt 059200
PO 00000
Frm 00016
Fmt 6652
Sfmt 6301
E:\BILLS\H3664.IH
H3664
ssavage on LAPJG3WLY3PROD with BILLS