PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Commerce, Consumer Protection and Competitiveness.
Congressional Research Service
Version 00 · Introduced in House · Sep 22, 1994
Insurance Sales and Underwriting Consumer Protection Act of 1994 - Prohibits selling or soliciting the purchase of insurance without qualifying under and complying with all insurance regulatory requirements applicable in the State in which the sale or solicitation of insurance takes place (including qualifying for and maintaining a license to sell or solicit the purchase of insurance if such license is required by the State insurance regulatory authority and complying with all State consumer protection requirements that apply to the marketing of insurance). Prohibits underwriting insurance without complying with all insurance regulatory requirements applicable in the State in which the insurance is underwritten (including qualifying for and maintaining a license to underwrite insurance if such license is required by the State insurance regulatory authority and complying with all State consumer protection requirements that apply to underwriting insurance and, if a license is not required by such authority, otherwise meeting any applicable financial or other requirements imposed by such State). Specifies that the sales, solicitations, and underwriting covered includes any insurance sold, solicited, underwritten, or reinsured by an entity that operates in interstate commerce or is part of an entity any part of which operates in interstate commerce. Specifies that this Act does not alter or affect the provisions of the Liability Risk Retention Act of 1986. Authorizes the Department of Justice (DOJ) to file a civil action if the appropriate State does not take action against a violation of this Act. Specifies that: (1) the determination of whether an act constitutes a violation shall be made pursuant to the insurance laws and regulations of the applicable State; and (2) in such an action, DOJ may ask for either an order prohibiting that person from engaging in the prohibited conduct, a civil fine of up to $1,000 for each violation, or both.
People & committees
Rep. Dingell, John D. [D-MI-16] · D–MI
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
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 E1914)
Introduced in House
Introduced in House
Primary sources
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Source last updated: Aug 26, 2025. Consult Congress.gov for the current record.
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