Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Mar 13, 2008

Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from furnishing to any person, and any person from using or obtaining, a consumer report or consumer information for use in making any decision to underwrite or rate any personal lines of insurance for which the Federal Trade Commission (FTC) determines that such use: (1) results in racial or ethnic discrimination; or (2) represents a proxy or proxy effect for race or ethnicity.

Excludes from such proscription insurance information, including property loss data, driver history, and medical history, derived from specified data bases.

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People & committees

Who introduced it

Rep. Gutierrez, Luis V. [D-IL-4] · D–IL

Committees

Financial Services Committee

3 cosponsorship records, including any withdrawals

Legislative record

Actions

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Mar 13, 2008
Referred to the House Committee on Financial Services.
Mar 13, 2008
Introduced in House
Mar 13, 2008
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Mar 13, 2008 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

HR 6062 · Personal Lines of Insurance Fairness Act of 2008

Source last updated: Aug 14, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.5633 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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Discuss H.R.5633, 110th Congress: Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

Official record: https://www.congress.gov/bill/110th-congress/house-bill/5633

Text version to examine: Introduced in House · 2008-03-13.

Official full text: https://www.congress.gov/110/bills/hr5633/BILLS-110hr5633ih.htm

Imported record last updated by the source: 2025-08-14T18:10:26Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.5633 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.

Fairness and public impact

Progressive lens

Examine H.R.5633 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.

View full prompt & sources

Discuss H.R.5633, 110th Congress: Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

Official record: https://www.congress.gov/bill/110th-congress/house-bill/5633

Text version to examine: Introduced in House · 2008-03-13.

Official full text: https://www.congress.gov/110/bills/hr5633/BILLS-110hr5633ih.htm

Imported record last updated by the source: 2025-08-14T18:10:26Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.5633 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.

Institutions and government scope

Conservative lens

Examine H.R.5633 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.

View full prompt & sources

Discuss H.R.5633, 110th Congress: Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

Official record: https://www.congress.gov/bill/110th-congress/house-bill/5633

Text version to examine: Introduced in House · 2008-03-13.

Official full text: https://www.congress.gov/110/bills/hr5633/BILLS-110hr5633ih.htm

Imported record last updated by the source: 2025-08-14T18:10:26Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.5633 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.

Individual rights and government power

Liberty lens

Examine H.R.5633 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.

View full prompt & sources

Discuss H.R.5633, 110th Congress: Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

Official record: https://www.congress.gov/bill/110th-congress/house-bill/5633

Text version to examine: Introduced in House · 2008-03-13.

Official full text: https://www.congress.gov/110/bills/hr5633/BILLS-110hr5633ih.htm

Imported record last updated by the source: 2025-08-14T18:10:26Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.5633 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.