Skip to main content
HR 1473 108th Congress House

Insurance Credit Score Disclosure and Reporting Act

Official title: To amend the Fair Credit Reporting Act to provide disclosures of credit-based insurance scoring information by insurers and credit reporting agencies, and for other purposes.

Introduced: July 8, 2003 See on congress.gov
Finance and Financial Sector Administrative procedureAutomobile insuranceBusiness insuranceBusiness records
More subjectsShow fewer subjects
Casualty insuranceCivil Rights and Liberties, Minority IssuesCivil actions and liabilityCollection of accountsCommerceCongressCongressional reporting requirementsConsumer complaintsConsumer creditConsumer educationConsumer protectionDiscrimination in insuranceEmergency medicineFederal Trade CommissionFines (Penalties)Government Operations and PoliticsGovernment paperworkGovernmental investigationsHealthIndependent regulatory commissionsInjunctionsInsuranceInsurance agentsInsurance companiesInsurance premiumsLawLiability (Law)Mailing listsMedical feesProperty insuranceRestrictive trade practicesScience, Technology, CommunicationsSmall businessStatisticsTelephoneTransportation and Public Works
Sign in to write a letter Sign in to watch
This bill died when the 108th Congress ended
It never became law before the 108th Congress (2003–2004) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 10, 2003
Referred to the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises.
Mar 27, 2003
Referred to the House Committee on Financial Services.
Mar 27, 2003
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action April 10, 2003

Referred to the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises.

 Plain-English summary Congressional Research Service

Insurance Credit Score Disclosure and Reporting Act - Requires insurers who use consumer reports or insurance credit scores as a factor in underwriting insurance policies or renewals to disclose the effect of such practice upon the scope and cost of the insurance at the time of either insurance application or insurance renewal.

Prescribes disclosure requirements, including disclosure of the relationship between the use of insurance credit scores or other risk scores or predictors.

Directs the Federal Trade Commission to: (1) promulgate requirements for insurers to submit specified insurance credit score information to the Commission; and (2) investigate and report to Congress on the relationship between credit information and insurance credit scores and the race, income, geographic location, and age of insurance applicants and policyholders.

Sets forth civil penalties for violations of this Act.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 3
All 3 Democratic 2 Independent 1
D
McGovern, James P.
Massachusetts · Jul 8, 2003
 D
Clyburn, James E.
South Carolina · Jun 25, 2003
 I
Sanders, Bernard
Vermont · Jun 23, 2003
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1473: Insurance Credit Score Disclosure and Reporting Act. 108th Congress. Open America. https://openamerica.io/bill/108-HR-1473/
MLA
"H.R. 1473: Insurance Credit Score Disclosure and Reporting Act." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-1473/.
Bluebook (legal)
H.R. 1473, 108th Cong. (2026), https://openamerica.io/bill/108-HR-1473/.
Markdown link
[H.R. 1473: Insurance Credit Score Disclosure and Reporting Act](https://openamerica.io/bill/108-HR-1473/)
Report a problem