H.R. 3880 · 118th Congress
PAID Act
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Never voted on. It didn't reach a floor vote before the 118th Congress ended, so it expired. A bill has to be introduced again to be considered in a new Congress.
D
Watson ColemanSponsor4 cosponsors · 4 D
2 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
This bill prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. These prohibited factors include
What it does: CRS summary · Introduced in House · Jun 6, 2023
Prohibit Auto Insurance Discrimination Act or the PAID Act
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.
The FTC may enforce a violation of these requirements as an unfair or deceptive act or practice.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: PAID Act
Also known as: Prohibit Auto Insurance Discrimination Act
Latest action (Jun 9, 2023): Referred to the Subcommittee on Innovation, Data, and Commerce.
Policy area: Finance and Financial Sector · Origin: House · Introduced: Jun 6, 2023
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.