HR 3880 118th Congress House Finance and Financial Sector 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

PAID Act

Introduced: June 6, 2023 Introduced by: Watson Coleman, Bonnie Democratic · New Jersey See on congress.gov

Everywhere this bill has been 3 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Jun 9, 2023

Referred to the Subcommittee on Innovation, Data, and Commerce.

Jun 6, 2023

Referred 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.

Jun 6, 2023

Introduced in House

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Plain-English summary Congressional Research Service

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.

What's happening now June 9, 2023

Referred to the Subcommittee on Innovation, Data, and Commerce.

Bill text 1 version