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H.R. 1247 104th Congress House

Insurance Disclosure Act of 1995

Official title: To require property and casualty insurers to provide written notification to insurance applicants and policyholders of decisions to refuse to issue or to cancel or refuse to renew an insurance policy.

Introduced: March 15, 1995 Introduced by: Cleo Fields Democratic · Louisiana See on congress.gov
Commerce Administrative procedureAutomobile insuranceCasualty insuranceCivil Rights and Liberties, Minority Issues
More subjectsShow fewer subjects
Consumer educationDepartment of Housing and Urban DevelopmentDiscrimination in insuranceFederal preemptionFinance and Financial SectorFines (Penalties)Government Operations and PoliticsGovernment paperworkInjunctionsInsurance agentsInsurance companiesLawLiability (Law)MinoritiesProperty insuranceRacial discriminationState lawsTransportation and Public Works
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) 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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 10, 1995
Referred to the Subcommittee on Commerce, Trade, and Hazardous Materials.
Mar 24, 1995
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 15, 1995
Referred to the Committee on Commerce, and in addition to the Committee on Banking and Financial Services, 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.
Mar 15, 1995
Introduced in House
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 Latest action April 10, 1995

Referred to the Subcommittee on Commerce, Trade, and Hazardous Materials.

 Plain-English summary Congressional Research Service

Insurance Disclosure Act of 1995 - Instructs the Secretary of Housing and Urban Development to require insurers to provide written disclosures to applicants and policyholders, stating the reasons for: (1) declining a written application; or (2) cancelling or refusing to renew an existing policy.

Authorizes the Secretary to provide immunity to insurers, agents, and brokers regarding their communication of a cancellation, denial, or nonrenewal of insurance.

Prescribes guidelines under which the Secretary shall designate certain lines of insurance.

Sets forth enforcement guidelines, including civil penalties and injunctive relief.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
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APA
U.S. Congress. (2026). H.R. 1247: Insurance Disclosure Act of 1995. 104th Congress. Open America. https://openamerica.io/bill/104-HR-1247/
MLA
"H.R. 1247: Insurance Disclosure Act of 1995." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-1247/.
Bluebook (legal)
H.R. 1247, 104th Cong. (2026), https://openamerica.io/bill/104-HR-1247/.
Markdown link
[H.R. 1247: Insurance Disclosure Act of 1995](https://openamerica.io/bill/104-HR-1247/)
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