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HOUSE 3880118th CongressReferred to the Subcommittee on Innovation, Data, and Commerce.

PAID Act

Last Action
6/9/2023

Actions

  • 2023-06-09Referred to the Subcommittee on Innovation, Data, and Commerce.
  • 2023-06-06Referred 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.
  • 2023-06-06Referred 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.
  • 2023-06-06Introduced in House
  • 2023-06-06Introduced in House

CRS Summary

As of 2023-06-06 (00)

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.

Cosponsors (4)

  • Rashida Tlaib (D-MI)
  • Mark Takano (D-CA)
  • ELEANOR NORTON (D-DC)
  • Raúl Grijalva (D-AZ)

Subjects

  • Administrative law and regulatory procedures
  • Civil actions and liability
  • Federal district courts
  • Fraud offenses and financial crimes
  • Legal fees and court costs
  • Life, casualty, property insurance
  • Motor vehicles
  • State and local courts
  • State and local government operations
Read on Congress.gov

Sourced from Congress.gov (public domain).

This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.