PlainBillCongress, translated.Legislation. Context. Public interest.Received in the Senate and read twice and referred to the Committee on Commerce.
Congressional Research Service
Version 36 · Passed House amended · Jul 20, 1994
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.
People & committees
Rep. Collins, Cardiss [D-IL-7] · D–IL
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Received in the Senate and read twice and referred to the Committee on Commerce.
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by voice vote.
Passed/agreed to in House: On passage Passed by voice vote.
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.
The previous question was ordered pursuant to the rule.
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1188.
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.
GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate.
The Speaker designated the Honorable Rosa L. DeLauro to act as Chairwoman of the Committee.
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 475 and Rule XXIII.
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.
Considered under the provisions of rule H. Res. 475. (consideration: CR H5895-5925)
Rule H. Res. 475 passed House.
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.
Placed on the Union Calendar, Calendar No. 150.
Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 103-270.
Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 103-270.
Ordered to be Reported (Amended) by Voice Vote.
Committee Consideration and Mark-up Session Held.
Forwarded by Subcommittee to Full Committee.
Subcommittee Consideration and Mark-up Session Held.
Subcommittee Hearings Held.
Sponsor introductory remarks on measure. (CR H1928)
Hearings Held by the Subcommittee on Commerce, Consumer Protection, and Competitiveness Prior to Referral (Mar 3, 93).
Referred to the Subcommittee on Commerce, Consumer Protection and Competitiveness.
Referred to the House Committee on Energy and Commerce.
Sponsor introductory remarks on measure. (CR H998)
Introduced in House
Introduced in House
Primary sources
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Source last updated: Sep 8, 2026. Consult Congress.gov for the current record.
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Analyze H.R.1188 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
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