,i #aafth ,,congress #b;d ,session ,h4 ,r4 #hegf ,,in ,,the ,,house ,,of ,,representatives ,october #i1 #bjbj,ms4 ,tlaib 7for herself1 ,mrs4 ,watson ,coleman1 ,mr4 ,takano1 and ,mr4 ,garca of ,illinois7 introduced the following bill2 which was referred to the ,committee on ,financial ,services ,a ,,bill ,to require the ,government ,accountability ,office to conduct biennial studies of personal private automobile insurance coverage1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,prevent ,auto ,insurance ,discrimination ,study ,act of #bjbj or the ,,paid ,study ,act of #bjbj4 #b4 ,biennial studies of personal private automobile insurance 7a7 ,biennial studies ,the ,comptroller ,general of the ,united ,states 7in this section referred to as the ,comptroller ,general7 shall1 not later than the expiration of the #b-year period beginning on the date of the enactment of this ,act and not less often than every #b years thereafter1 conduct a study under this section that-- 7#a7 identifies non-driving related underwriting factors used by private passenger automobile insurers and the extent to which each such underwriting factor impacts the final rate for an insured and an insured's placement in an insurer's various companies and rating tiers2 7#b7 identifies existing controls and current automobile insurer practices to prevent discriminatory pricing of automobile insurance coverage1 including any controls to identify and prevent discrimination through the use of pricing algorithms2 7#c7 evaluates the presence or absence of disparate impact in private passenger automobile insurance premiums1 risk classifications1 and an insurer's company or tier placement based on non-driving related factors1 including examining how such premiums are impacted by factors such as zip code1 race1 religion1 national origin1 sexual orientation1 geographic area1 gender1 marital status1 occupation1 occupation status1 level of education1 consumer credit score and history1 and homeownership status2 7#d7 assesses the extent to which ,states consistently determine what is unfairly discriminatory in private passenger automobile insurance pricing1 risk classifications1 and product offerings and what standards are used by ,state insurance regulators to make such a determination for oversight and enforcement purposes2 7#e7 determines the manner and frequency with which ,state insurance regulators identify questionable underwriting and rating practices in the provision of private passenger automobile insurance coverage and take actions to address findings of noncompliance with ,state law and ensure that rates are not excessive1 inadequate1 or unfairly discriminatory1 including analyzing any problems and deficiencies identified among ,state insurance regulators4 7b7 ,preliminary analysis ,not later than the expiration of the #ab-month period beginning on the date of the enactment of this ,act1 the ,comptroller ,general shall submit to the ,congress preliminary analysis based on the study conducted pursuant to subsection 7a7 that1 for private passenger automobile insurance-- 7#a7 compares premium rates for such coverage for similar drivers with different non-driving characteristics described in subsection 7a77#c7 and other such characteristics as the ,comptroller ,general considers appropriate2 7#b7 evaluates the use of data related to non-driving characteristics in underwriting and pricing assistance and premium calculations2 and 7#c7 determines the extent to which any of the research indicates a disparate impact on protected classes of people resulting from the use of non-driving rating and underwriting factors4 7c7 ,obtaining insurer information 7#a7 ,in general ,the ,comptroller ,general shall obtain and utilize in each study under this section-- 7,a7 data from insurers that identifies1 for the preceding year-- 7i7 premiums charged and premiums quoted for policyholders and applicants2 7ii7 base rates1 other rating factors1 and risk classifications used for underwriting and pricing such insurance1 whether in the form of underwriting guidelines1 tier placement factors1 rating factors1 or other terminology2 7iii7 the sources and uses of insurance and non-insurance data used for risk classification and pricing2 7iv7 the census tract of the place garaging of the insured vehicle2 and 7v7 insurer rating algorithms and non-standard data used by the insurers2 and 7,b7 information and data from third party vendors providing pricing assistance algorithms and data to insurers and the insurance industry4 7#b7 ,authority2 limitations ,in the collection of data and information pursuant to paragraph 7#a7-- 7,a7 the provisions of section #cac7;e7 of title #ca1 ,united ,states ,code1 that are applicable to the ,director of the ,federal ,insurance ,office of the ,department of the ,treasury1 to the ,federal ,insurance ,office1 and to data and information collected pursuant to such section shall apply to the ,comptroller ,general1 the ,government ,accountability ,office1 and to data and information collected pursuant to paragraph 7#a7 of this subsection1 respectively2 and 7,b7 any ,federal agency1 ,state insurance regulator or regulatory agency1 other publicly available source1 insurer1 or third party vendor from which data and information is requested shall provide such data and information to the ,comptroller ,general not later than the expiration of the #ij-;day period that begins upon receipt of such request4 7#c7 ,discretion ,paragraph 7#a7 may not be construed to require the ,comptroller ,general collect information and data described in such paragraph in comprehensive manner and the ,comptroller ,general may1 in the sole discretion of the ,comptroller ,general collect as much information as the ,comptroller ,general considers necessary to obtain an accurate sample with respect to insurers or areas that is sufficient to comply with the requirements of subsection 7a74 7d7 ,obtaining other information ,the ,comptroller ,general shall obtain and utilize in each study under this section socioeconomic data from sources other than insurers1 including data from the ,bureau of the ,census1 ,current ,population ,survey and ,american ,community ,survey1 and data from any reviews of automobile insurance premiums and rates conducted by ,state insurance regulator or regulatory agency1 appropriate to identify and analyze1 for the preceding year-- 7#a7 socioeconomic characteristics relating to risk classifications associated with greater or lesser premium charges2 7#b7 zip codes1 geographic areas1 and communities associated with greater or lesser premium charges2 7#c7 zip codes1 geographic areas1 and communities having more or fewer choices for standard and preferred private passenger automobile insurance products and premiums2 7#d7 zip codes1 geographic areas1 and communities in which the sale of non-standard insurance1 the use of automobile insurance premium financing1 the use of non-voluntary automobile insurance1 the rates of uninsured motorists1 and civil and criminal actions for failure to maintain insurance are greatest2 7#e7 zip codes1 geographic areas1 and communities having greater or fewer insurance producer locations that provide standard_/preferred options as compared to non-standard options2 and 7#f7 zip codes1 geographic areas1 and communities in which the offer of and use of telematics and other newer data-driven technologies is greater or lesser4 7e7 ,evaluation of information ,in conducting each study under this section1 the ,comptroller ,general shall evaluate the presence or absence of disparate impact in private passenger automobile insurance pricing1 risk classifications1 and product offerings based on race1 religion1 national origin1 gender1 marital status1 sexual orientation1 occupation1 occupation status1 level of education1 consumer credit score1 and homeownership status1 and shall employ multi-variate statistical analysis to conduct such analysis4 7f7 ,limitation ,in conducting each study under this section1 the ,comptroller ,general may not engage in or include in the study any analysis of the reasonableness of premiums charged to claims paid or incurred4 7g7 ,biennial reports ,for each study required to be conducted pursuant to subsection 7a71 the ,comptroller ,general shall submit a report to the ,congress describing the study conducted1 the analysis conducted under the study1 and any conclusions reached pursuant to the study and analysis4 ,the report for each such study shall be submitted not later than the deadline under subsection 7a7 for completion of the study4 7h7 ,availability of information ,upon submitting each report to the ,congress pursuant to subsection 7g71 the ,comptroller ,general shall make publicly available all information collected pursuant to this section for such report and other information used in conducting the study under this section for such report1 except that any information made publicly available may not contain any personally identifiable information1 nor any information that could identify individual insureds or applicants1 under private passenger automobile insurance for which such information is collected4 7i7 ,considerations in approving premium rates ,each ,state insurance regulatory officer or agency shall take into consideration the reports submitted pursuant to subsection 7a7 in establishing and approving premium rates for private passenger automobile insurance coverage4