118th Congress Finance and Financial Sector
H.R. 3880: PAID Act
Introduced
- Introduced (completed)
- Passed House (not reached)
- Passed Senate (not reached)
- To the President (not reached)
- Became law (not reached)
Summary
This bill prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. These prohibited factors include
- gender,
- employment status,
- zip code,
- census tract,
- marital status, and
- credit score.
Automobile insurers must regularly submit to the Federal Trade Commission (FTC) information that demonstrates that the insurer's marketing, underwriting, rating, claims handling, and fraud investigations do not disparately impact customers on the basis of race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression. Further, automobile insurers must make underwriting rules and rate filings available to the public.
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The FTC may enforce a violation of these requirements as an unfair or deceptive act or practice.
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Cosponsors
- Mark Takano D-CAOriginal
- Rashida Tlaib D-MIOriginal
- Eleanor Norton D-DC
- Raúl Grijalva D-AZ
Who scored on this bill
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Other bills by Bonnie Watson Coleman
History
- Introduced in the House by Bonnie Watson Coleman.
Show the full action history (3 actions)
- Referred to the Subcommittee on Innovation, Data, and Commerce.
- Introduced in House
- Referred to the Committee on Financial Services, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.