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HR 1188 103th Congress House

Anti-Redlining in Insurance Disclosure Act

Official title: To provide for disclosures for insurance in interstate commerce.

Introduced: July 14, 1993 See on congress.gov
Commerce Administrative feesAdministrative procedureAutomobile insuranceBusiness insurance
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This bill died when the 103rd Congress ended
It never became law before the 103rd Congress (1993–1994) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 28 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 21, 1994
Received in the Senate and read twice and referred to the Committee on Commerce.
Jul 20, 1994
Motion to reconsider laid on the table Agreed to without objection.
Jul 20, 1994
On passage Passed by voice vote.
Jul 20, 1994
Passed/agreed to in House: On passage Passed by voice vote.
Jul 20, 1994
The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.
Jul 20, 1994
The previous question was ordered pursuant to the rule.
Jul 20, 1994
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1188.
Jul 20, 1994
DEBATE - By unanimous consent, debate on the Fields amendment and all amendments thereto will be limited to not to exceed 20 minutes, equally divided and controlled.
Jul 20, 1994
GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate.
Jul 20, 1994
The Speaker designated the Honorable Rosa L. DeLauro to act as Chairwoman of the Committee.
Jul 20, 1994
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 475 and Rule XXIII.
Jul 20, 1994
Rule provides for consideration of H.R. 1188 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Energy and Commerce now printed in the bill. Measure will be considered read. Bill is open to amendments.
Jul 20, 1994
Considered under the provisions of rule H. Res. 475. (consideration: CR H5895-5925)
Jul 20, 1994
Rule H. Res. 475 passed House.
Jul 12, 1994
Rules Committee Resolution H. Res. 475 Reported to House. Rule provides for consideration of H.R. 1188 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Energy and Commerce now printed in the bill. Measure will be considered read. Bill is open to amendments.
Sep 29, 1993
Placed on the Union Calendar, Calendar No. 150.
Sep 29, 1993
Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 103-270.
Sep 14, 1993
Ordered to be Reported (Amended) by Voice Vote.
Sep 14, 1993
Committee Consideration and Mark-up Session Held.
Jul 28, 1993
Forwarded by Subcommittee to Full Committee.
Jul 28, 1993
Subcommittee Consideration and Mark-up Session Held.
Apr 26, 1993
Subcommittee Hearings Held.
Apr 20, 1993
Sponsor introductory remarks on measure. (CR H1928)
Mar 16, 1993
Hearings Held by the Subcommittee on Commerce, Consumer Protection, and Competitiveness Prior to Referral (Mar 3, 93).
Mar 16, 1993
Referred to the Subcommittee on Commerce, Consumer Protection and Competitiveness.
Mar 3, 1993
Referred to the House Committee on Energy and Commerce.
Mar 3, 1993
Sponsor introductory remarks on measure. (CR H998)
Mar 3, 1993
Introduced in House
 Amendments to this bill 3

Amendments propose changes to this bill. Members vote on amendments separately before the final bill vote. An agreed amendment becomes part of the bill; a failed amendment does not.

3 failed

AmendmentSponsorPurposeStatusLatest action
HAMDT 770 Fields, Cleo An amendment to require insurance companies to explain their reasons for denying policies. Failed Jul 20, 1994
HAMDT 769 – An amendment consisting of the elements of H.R. 1257. The amendment would increase the number of cities for w… Failed Jul 20, 1994
HAMDT 768 – An amendment to grant jurisdiction for carrying out the studies called for in the bill to the Department of H… Failed Jul 20, 1994
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 Latest action July 21, 1994

Received in the Senate and read twice and referred to the Committee on Commerce.

 Plain-English summary Congressional Research Service

Anti-Redlining in Insurance Disclosure Act - Requires certain insurers to maintain and make available to the Secretary of Commerce (Secretary) and the public specified information on their practices and activities with respect to property and casualty insurance sold in urban areas, such as the number of policies sold by census tract, itemized by demographic characteristics.

Directs the Secretary to: (1) study and report to certain congressional committees on the availability of commercial insurance for small businesses; and (2) develop and submit to certain congressional committees a proposed data collection pilot project in certain metropolitan statistical areas (MSAs) to ascertain the need for additional data to evaluate the availability of insurance coverage for small businesses.

Directs the Secretary to: (1) exempt insurers operating under State disclosure requirements or laws similar to those under this Act; and (2) implement a public information central depository in each designated MSA to disseminate the information required under this Act. Prescribes data collection parameters for designated MSAs and insurers, including: (1) private passenger automobile insurance; (2) homeowners insurance; and (3) dwelling fire and allied lines of insurance.

Requires the Secretary to establish a task force on insurance agency appointments to review and report to certain congressional committees on: (1) the status of insurance agency appointments for inner city and minority agents; (2) the practices of insurers in terminating agents; and (3) recommendations to improve the ability of inner city and minority agents to market property and casualty insurance.

Permits the Secretary to use data collection contractors and statistical agents.

Requires the Secretary to compile data annually for each MSA for all insurers either subject to or exempt from this Act.

Provides civil penalties for violations of this Act.

Directs the Secretary to study and report to certain congressional committees on: (1) the feasibility and utility of collecting information on specified characteristics of insurance applicants and the reasons for their rejection; and (2) actions by insurers to meet the property and casualty insurance needs of low- and moderate-income and minority neighborhoods, and the small businesses located in such neighborhoods.

 Related & companion bills 1
  • HRES 475 Procedurally related Providing for consideration of the bill (H.R. 1188) to provide for disclosures for insurance in interstate commerce.
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 4
All 4 Democratic 3
D
Markey, Edward J.
Massachusetts · Jul 14, 1993
 D
Norton, Eleanor Holmes
District of Columbia · Jul 14, 1993
 D
Mfume, Kweisi
Maryland · Jun 9, 1993
FROST, MARTIN
· Apr 28, 1993
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1188: Anti-Redlining in Insurance Disclosure Act. 103rd Congress. Open America. https://openamerica.io/bill/103-HR-1188/
MLA
"H.R. 1188: Anti-Redlining in Insurance Disclosure Act." 103rd Congress, 2026, Open America, https://openamerica.io/bill/103-HR-1188/.
Bluebook (legal)
H.R. 1188, 103rd Cong. (2026), https://openamerica.io/bill/103-HR-1188/.
Markdown link
[H.R. 1188: Anti-Redlining in Insurance Disclosure Act](https://openamerica.io/bill/103-HR-1188/)
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