Detailed Instructions: In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
Problem:SECTION 1. SHORT TITLE; TABLE OF CONTENTS.

(a) Short Title.--This Act may be cited as the ''Insurance Claims
Privacy Protection Act''.
(b) Table of Contents.--The table of contents for this Act is as
follows:

Sec. 1. Short title; table of contents.
Sec. 2. Findings.
Sec. 3. Purposes.
Sec. 4. Definitions.
Sec. 5. Limitations on disclosure of claims information to law
enforcement agencies.
Sec. 6. Separation of the functions of a crime bureau from the
functions of an insurance data support
organization.
Sec. 7. Coordination with State law.
Sec. 8. Enforcement.

SEC. 2. FINDINGS.

The Congress finds that--
(1) property and casualty insurers annually collect
information pertaining to the claims filed by millions of
policyholders and other individuals;
(2) this information is generally provided to industry
organizations for the purpose of assisting insurers to quickly
pay a claim or, alternatively, to determine whether a pattern
of claim filings exists that warrants further investigation;
(3) there is a legitimate need for insurers to pool claims
information among themselves and to work with law enforcement
agencies in order to assure the integrity of the claims
decisionmaking process;
(4) while the insurance industry has historically taken
strong and effective measures to prevent the improper
disclosure of personal claims information to law enforcement
agencies, it is now preparing to eliminate those protections
and provide individual claims information on innocent
individuals, as well as their doctors and lawyers, to law
enforcement agencies;
(5) although insurance is generally regulated by the
individual States pursuant to the Act of March 9, 1945
(referred to as the ''McCarran-Ferguson Act''), and despite the
fact that the National Association of Insurance Commissioners
has proposed model privacy legislation which has been adopted
in certain States and addresses the provision of individual
information to law enforcement agencies, the Association's
model legislation has not been enacted in most of the States
and has not prevented the insurance industry from proceeding
with its current plans;
(6) the unfettered disclosure of personal claims
information by insurers to law enforcement agencies on innocent
individuals violates fundamental principles of individual
privacy and may result in intimidating individuals in
exercising their rights to file claims; and
(7) in the absence of effective State regulation, a uniform
rule, established through congressional enactment, is the only
method for assuring the protection of personal privacy rights.

SEC. 3. PURPOSES.

The purposes of this Act are--
(1) to protect the personal privacy rights of insurance
customers and claimants by making certain that property and
casualty insurers do not improperly provide personal
information about innocent insurance claimants to law
enforcement agencies;
(2) to establish clear rules for separating the operation
of an insurance crime bureau from the operation of an insurance
data support organization in order to prevent the inappropriate
use of insurance claims information; and
(3) to establish strong and effective remedies for
violations of this Act.

SEC. 4. DEFINITIONS.

As used in this Act:
(1) All claims database.--The term ''all claims database''
means any data collection system, electronic or manual, which
obtains information about property and casualty insurance
claims without regard to whether there is a reasonable belief
that any specific claimant has engaged in any illegal or
fraudulent act.
(2) Crime bureau.--The term ''crime bureau'' means any
nongovernmental organization which, in whole or in part, (A)
investigates potentially illegal or fraudulent acts with regard
to property and casualty insurance claims, or (B) shares information
about such claims with any law enforcement agency, absent a subpoena or
court order; except that the term does not include the activities of a
property and casualty insurer.
(3) Insurance claims data support organization.--The term
''insurance claims data support organization'' means any
nongovernmental organization which regularly engages, in whole
or in part, in the practice of assembling or collecting claims
information about persons for the primary purpose of providing
information to property and casualty insurers, self-insurers,
or the administrators of an insurance program; except that the
term does not include the activities of a property and casualty
insurer.
(4) Property and casualty insurance.--The term ''property
and casualty insurance'' means every line of insurance, except
life insurance and health insurance, and includes, but is not
limited to, automobile insurance, homeowners insurance, and
workers' compensation insurance.
(5) Property and casualty insurer.--The term ''property and
casualty insurer'' means any person engaged in the business of
insurance who provides property and casualty insurance, either
directly or through agents or brokers.

SEC. 5. LIMITATIONS ON DISCLOSURE OF CLAIMS INFORMATION TO LAW
ENFORCEMENT AGENCIES.

(a) Disclosure by Property and Casualty Insurer and Crime Bureau.--
No property and casualty insurer or crime bureau may disclose to a law
enforcement agency any information pertaining to a claim unless it is
doing so--
(1) to protect the interests of the insurer or crime bureau
in preventing or prosecuting the perpetuation of fraud upon it;
or
(2) if the insurer or crime bureau reasonably believes that
illegal activities have been conducted by the individual.
(b) Disclosure by Data Support Organization.--No insurance data
support organization may disclose to a law enforcement agency any
information pertaining to a claim unless it is doing so--
(1) to protect the interests of the organization in
preventing or prosecuting the perpetuation of fraud upon it; or
(2) to respond to a subpoena or court order.

SEC. 6. SEPARATION OF THE FUNCTIONS OF A CRIME BUREAU FROM THE
FUNCTIONS OF AN INSURANCE DATA SUPPORT ORGANIZATION.

(a) In General.--An insurance data support organization may
establish and operate an all claims data base and may establish a
system for providing claims information to a crime bureau for the
purpose of detecting fraudulent or other illegal activities pertaining
to specific claims or to specific categories of claims where fraudulent
or other illegal activities are reasonably believed to have occurred;
but an insurance data support organization may not engage in the
activities of a crime bureau.
(b) Crime Bureau.--A crime bureau may engage in activities designed
to prevent, suppress, and prosecute fraud, including, when otherwise
authorized by law, the conduct of appropriate investigations of
claimants and collaborative activities with law enforcement agencies;
but a crime bureau may not operate an all claims data base or collect
claims information, either directly or indirectly, that may result in
the establishment or operation of such a data base.

SEC. 7. COORDINATION WITH STATE LAW.

(a) In General.--Nothing in this Act shall be read as prohibiting
any State from enacting legislation establishing more stringent
protections than are provided in this Act for the privacy of
information contained in property and casualty insurance claims.
(b) State Certification.--Without regard to the provisions of
section 8, any State may certify to the Attorney General of the United
States that it has established, through law or regulation, the same
protections and enforcement procedures that are incorporated in this
Act. Upon approval of that certification by the Attorney General, and
publication of that certification in the Federal Register, enforcement
of this Act shall be solely pursuant to that certification. The
Attorney General may revoke a certification for any material breach of
its provisions.

SEC. 8. ENFORCEMENT.

(a) Injunction.--Any violation of this Act may be enjoined in any
Federal district court without regard to any jurisdictional amount
otherwise required. Such an injunctive action may be brought by the
Attorney General or by any private party.
(b) Civil Penalty.--Any violation of this Act may also be subject
to a civil penalty of not more than $10,000.
Solution:
Insurance Claims Privacy Protection Act - Specifies the circumstances in which disclosure of insurance claims information is allowed to law enforcement agencies by insurers and by nongovernmental crime bureaus (CBs) and insurance data support organizations (IDSOs). Regulates the activities in which CBs and IDSOs may engage. Provides for enforcement.