,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #bfhd  ,,in ,,the ,,house ,,of  
,,representatives  ,may #aj1 #bjai,mr4  
,takano introduced the following bill2  
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
require the ,federal ,insurance ,office 
of the ,department of the ,treasury to  
conduct a study to identify disparities 
between communities in auto insurance   
costs and payout amounts based on the   
predominant racial makeup of such       
communities1 and for other purposes4    
#a4 ,short title ,this ,act may be cited
 as the ,fair ,auto ,insurance          
,ratemaking ,reporting to ,allow a      
,transparent ,evaluation of ,statistics 
,act of #bjai or the ,,fair ,,rates ,act
 of #bjai4  #b4 ,data call  7a7 ,in     
general ,pursuant to the authority under
 section #cac7;e7 of title #ca1 ,united 
,states ,code1 the ,director of the     
,federal ,insurance ,office shall       
collect from covered automobile         
insurers1 aggregated on a census tract  

level basis based on the place of       
garaging of the insured vehicle1        
information for each of the three       
accident or calendar years1 as          
applicable1 most recently completed as  
of the date of the enactment of this    
,act1 regarding private passenger       
automobile insurance as the ,director   
considers necessary to prepare the      
report required under section #c1 which 
shall include the following information 
for each such year3  7#a7 ,company name 
,the name of the insurance coverage for 
the vehicle4  7#b7 ,experience year ,the
 experience year for premiums and       
exposures4  7#c7 ,census tract ,the     
census tract of the place of garaging of
 the insured vehicle4  7#d7 ,paid loss  
adjustment expenses ,total paid loss    
adjustment expenses1 reported by        
accident year4  7#e7 ,incurred loss     
adjustment expenses ,total incurred loss
 adjustment expenses plus case reserves1
 reported by accident year4  7#f7 ,count
 of claims recorded ,the number of      

claims reported for each coverage or    
type of loss1 including claims that     
included payment and claims that did not
 include payment4  7#g7 ,count of claims
 closed ,the number of claims closed for
 each coverage or type of loss1         
including claims that were closed that  
included payment and claims that were   
closed that did not include payment4    
7#h7 ,coverage type ,the type of        
coverage provided1 including liability1 
personal injury protection1 collision1  
comprehensive1 and uninsured motorist   
bodily injury4  7#i7 ,premium ,written  
,total premium written1 reported by     
coverage type4  7#aj7 ,premium earned   
,total premium earned1 reported by      
coverage type4  7#aa7 ,exposure written 
,total exposures written1 reported by   
coverage type4  7#ab7 ,exposure earned  
,total exposures earned1 reported by    
coverage type4  7b7 ,method and timing  
of collection  7#a7 ,from ,federal or   
state agency ,not later than the        
expiration of the #f-month period       

beginning on the date of the enactment  
of this ,act1 the ,director shall       
determine whether all of the information
 required to be collected under         
subsection 7a7 can be obtained in the   
manner provided under the first sentence
 of section #cac7;e77#d7 of title #ca1  
,united ,states ,code1 in a timely      
manner4 ,if the ,director determines    
that all such information is available1 
and may be obtained by such manner in a 
timely manner1 the ,director shall so   
obtain all such information4  7#b7 ,from
 intermediary ,if the ,director         
determines under paragraph 7#a7 that all
 of the information required to be      
collected under subsection 7a7 cannot be
 obtained in the manner provided under  
the first sentence of section           
#cac7;e77#d7 of title #ca1 ,united      
,states ,code1 and in a timely manner1  
the ,director shall provide that covered
 automobile insurers shall submit any   
such information that is not so         
obtainable through--  7,a7 an           

appropriate intermediary1 including the 
,national ,association of ,insurance    
,commissioners2 or  7,b7 other          
appropriate intermediaries1 including   
advisory organizations and statistical  
agents licensed by ,state insurance     
regulatory authorities4  7#c7 ,from     
covered automobile insurers ,if the     
,director has not received all of the   
information required to be collected    
under subsection 7a7 before the         
expiration of the #ab-month period      
beginning on the date of the enactment  
of this ,act1 before the expiration of  
the #ah-month period beginning upon such
 date of enactment1 the ,director shall 
collect from covered automobile         
insurers1 in accordance with the        
penultimate sentence of section         
#cac7;e77#d7 of title #ca1 ,united      
,states ,code1 any such information not 
so received4  #c4 ,study  7a7 ,in       
general ,the ,director shall conduct a  
study1 using the information collected  
pursuant to section #b and any other    

appropriate information available1 to   
compare private passenger automobile    
insurance premium costs and claims      
payment amounts to identify any         
disparities in such premium costs and   
claims payment amounts between coverage 
for automobiles garaged in census tracts
 and areas having a majority of         
residents who are racial minorities and 
coverage for automobiles garaged in     
census tracts and areas having a        
majority of residents who are not racial
 minorities4 ,not later than the        
expiration of the #bd-month period      
beginning on the date of the enactment  
of this ,act1 the ,director shall submit
 to the ,congress a report containing   
the analysis1 findings1 and conclusions 
of the study under this section4  7b7   
,availability of information ,upon      
submitting the report to the ,congress  
pursuant to subsection 7a71 the         
,director shall make publicly available 
all information collected pursuant to   
section #b and all other information    

used in the conducting the study under  
this section1 except that any           
information made publicly available may 
not contain any personally identifiable 
information regarding insureds under    
private passenger automobile insurance  
for which such information is collected4
  #d4 ,definitions ,for purposes of this
 ,act1 the following definitions shall  
apply3  7#a7 ,covered automobile insurer
 ,the term covered automobile insurer   
means an insurer that-- 7,a7 has a      
statutory surplus attributable to       
private passenger automobile insurance  
coverage1 as of ,december #ca1 #bjag1 in
 an amount that exceeds #ejj1jjj1jjj2   
and  7,b7 annually collects more than   
#ejj1jjj1jjj in premiums for private    
passenger automobile insurance coverage4
  7#b7 ,director ,the term ,director    
means the ,director of the ,federal     
,insurance ,office of the ,department of
 the ,treasury4