PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises.
Congressional Research Service
Version 00 · Introduced in House · Mar 27, 2003
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.
People & committees
Rep. Gutierrez, Luis V. [D-IL-4] · D–IL
Legislative record
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Referred to the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 18, 2025. Consult Congress.gov for the current record.
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Analyze H.R.1473 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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