Bill > HR1270

This bill, the Prohibit Auto Insurance Discrimination Act (PAID Act), prohibits private passenger automobile insurers from using certain factors, such as gender, education level, occupation, employment status, home ownership status, credit score, and consumer report, to determine insurance rates and eligibility. The bill requires that all underwriting rules and rate filings be publicly available and not considered proprietary trade secret information. It also allows for enforcement by the Federal Trade Commission and provides for civil penalties and legal action by consumers and states against insurers that violate the Act.