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Comment on WSR 21-13-131, possible rule making on the temporary prohibition on use of credit history

Comment on WSR 21-13-131, possible rule making on the temporary prohibition on use of credit history
rstreet.org - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from rstreet.org Daily Mail and Mail on Sunday newspapers.

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In OPPOSITION to H 2043, "Relating to information permitted for insurer's decisions concerning motor vehicle liability insurance; prescribing an effective date."

Feb 24, 2021
In OPPOSITION to H 2043, “Relating to information permitted for insurer’s decisions concerning motor vehicle liability insurance; prescribing an effective date.”
Chairman and members of the committee,
My name is Marc Hyden, and I am the director of state government affairs for the R Street Institute, which is a nonprofit, nonpartisan, public policy research organization. Our mission is to engage in policy research and outreach to promote free markets and limited, effective government in many areas, including the regulation of property and casualty insurance. That is why H 2043 is of special interest to us.
H 2043 aims to prohibit the use of credit history to determine “eligibility, premiums or rates for a motor vehicle liability insurance policy.” However, as part of our work since we opened our doors, we have supported the use of credit scoring and a variety of other non-claims-related variables as major contributors to better, lower and fai ....

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In opposition to House Bill 168 and House Bill 221.

Chairman Davis, Vice Chair Dumais and members of the House Economic Affairs Committee, my name is Alan Smith, and I am a senior fellow and Midwest Director at the R Street Institute, which is a nonprofit, nonpartisan, public policy research organization.
Our mission is to engage in policy research and outreach to promote free markets and limited, effective government in many areas. In this case, we want to protect underwriting tools that promote fairness in insurance pricing and access to the broader market, which is why HB 168 and HB 221 are of particular interest to us. We have engaged on insurance regulatory issues since our founding nine years ago and part of my testimony was previously submitted by my colleague Ray Lehmann in the last session regarding Senate Bill 17. ....

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