PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee Commerce, Trade, and Hazardous Materials.
Congressional Research Service
Version 00 · Introduced in House · Jan 4, 1995
Anti Redlining in Insurance Disclosure Act - Requires certain insurers to maintain and make available to the Secretary of Commerce 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. Mandates disclosure to insurance applicants of the reasons for rejection or nonrenewal. Directs the Secretary to issue regulations to ensure that the practices of insurers in terminating agents who handle property or casualty insurance do not result in: (1) an inappropriate effect on the availability or affordability of insurance from such insurers; and (2) unfair discrimination against agents as a result of their or their clients' geographic locations. Requires the Secretary to: (1) develop, or assist in the improvement of, methods of matching addresses and census tracts to facilitate compliance by insurers with this Act; (2) compile for each urban area aggregate data by census tract for all insurers; and (3) produce tables for each such area indicating aggregate insurance underwriting patterns for various categories of census tracts grouped according to location, age of property, income level, and racial characteristics. Requires such data and tables to be made public. Establishes civil penalties for violations of this Act.
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.
Referred to the Subcommittee Commerce, Trade, and Hazardous Materials.
Referred to the House Committee on Commerce.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We currently store references to these documents.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 21, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Analyze H.R.182 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.
Examine H.R.182 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine H.R.182 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine H.R.182 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.