,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hegf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,octob] #i1 #bjbj,ms4 
,tlaib 7= h]self1 ,mrs4 ,watson         
,coleman1 ,mr4 ,takano1 & ,mr4 ,g>ca (  
,ill9ois7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to require !      
,gov]nm5t ,acc\ntability ,(fice to      
conduct bi5nial /udies ( p]sonal private
 automobile insurance cov]age1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,prev5t ,auto ,insurance   
,discrim9ation ,/udy ,act ( #bjbj or !  
,,paid ,/udy ,act ( #bjbj4  #b4 ,bi5nial
 /udies ( p]sonal private automobile    
insurance  7a7 ,bi5nial /udies ,!       
,comptroll] ,g5]al ( ! ,unit$ ,/ates 79 
?is section ref]r$ to z ! ,comptroll]   
,g5]al7 %all1 n lat] ?an ! expiration ( 
! #b-ye> p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act & n less (t5 ?an e  
#b ye>s !reaft]1 conduct a /udy "u ?is  
section t-- 7#a7 id5tifies non-driv+    
relat$ und]writ+ factors us$ by private 

pass5g] automobile insur]s & ! ext5t to 
:i* ea* su* und]writ+ factor impacts !  
f9al rate = an insur$ & an insur$'s     
placem5t 9 an insur]'s v>i\s companies &
 rat+ ti]s2  7#b7 id5tifies exi/+       
controls & curr5t automobile insur]     
practices to prev5t discrim9atory pric+ 
( automobile insurance cov]age1 includ+ 
any controls to id5tify & prev5t        
discrim9ation ?r\gh ! use ( pric+       
algori?ms2  7#c7 evaluates ! pres5ce or 
abs5ce ( disp>ate impact 9 private      
pass5g] automobile insurance premiums1  
risk classifications1 & an insur]'s     
company or ti] placem5t bas$ on         
non-driv+ relat$ factors1 includ+ exam9+
 h[ su* premiums are impact$ by factors 
su* z zip code1 race1 religion1 national
 orig91 sexual ori5tation1 geographic   
area1 g5d]1 m>ital /atus1 occupation1   
occupation /atus1 level ( education1    
consum] cr$it score & hi/ory1 &         
home[n]%ip /atus2  7#d7 assesses ! ext5t
 to :i* ,/ates consi/5tly det]m9e :at is
 unfairly discrim9atory 9 private       

pass5g] automobile insurance pric+1 risk
 classifications1 & product (f]+s & :at 
/&>ds are us$ by ,/ate insurance        
regulators to make su* a det]m9ation =  
ov]sight & en=cem5t purposes2  7#e7     
det]m9es ! mann] & frequ5cy ) :i* ,/ate 
insurance regulators id5tify que/ionable
 und]writ+ & rat+ practices 9 !         
provision ( private pass5g] automobile  
insurance cov]age & take actions to     
address f9d+s ( noncompliance ) ,/ate   
law & ensure t rates are n excessive1   
inadequate1 or unfairly discrim9atory1  
includ+ analyz+ any problems &          
defici5cies id5tifi$ among ,/ate        
insurance regulators4  7b7 ,prelim9>y   
analysis ,n lat] ?an ! expiration ( !   
#ab-mon? p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act1 ! ,comptroll]      
,g5]al %all submit to ! ,congress       
prelim9>y analysis bas$ on ! /udy       
conduct$ pursuant to subsection 7a7 t1 =
 private pass5g] automobile insurance-- 
7#a7 comp>es premium rates = su* cov]age
 = simil> driv]s ) diff]5t non-driv+    

*>act]i/ics describ$ 9 subsection       
7a77#c7 & o!r su* *>act]i/ics z !       
,comptroll] ,g5]al consid]s appropriate2
  7#b7 evaluates ! use ( data relat$ to 
non-driv+ *>act]i/ics 9 und]writ+ &     
pric+ assi/ance & premium calculations2 
&  7#c7 det]m9es ! ext5t to :i* any ( ! 
rese>* indicates a disp>ate impact on   
protect$ classes ( p result+ f ! use (  
non-driv+ rat+ & und]writ+ factors4  7c7
 ,obta9+ insur] in=mation  7#a7 ,9 g5]al
 ,! ,comptroll] ,g5]al %all obta9 &     
utilize 9 ea* /udy "u ?is section-- 7,a7
 data f insur]s t id5tifies1 = ! prec$+ 
ye>-- 7i7 premiums *>g$ & premiums quot$
 = policyhold]s & applicants2  7ii7 base
 rates1 o!r rat+ factors1 & risk        
classifications us$ = und]writ+ & pric+ 
su* insurance1 :e!r 9 ! =m ( und]writ+  
guidel9es1 ti] placem5t factors1 rat+   
factors1 or o!r t]m9ology2  7iii7 !     
s\rces & uses ( insurance &             
non-insurance data us$ = risk           
classification & pric+2  7iv7 ! c5sus   
tract ( ! place g>ag+ ( ! insur$        

vehicle2 &  7v7 insur] rat+ algori?ms & 
non-/&>d data us$ by ! insur]s2 &  7,b7 
in=mation & data f ?ird p>ty v5dors     
provid+ pric+ assi/ance algori?ms & data
 to insur]s & ! insurance indu/ry4  7#b7
 ,au?ority2 limitations ,9 ! collection 
( data & in=mation pursuant to p>agraph 
7#a7-- 7,a7 ! provisions ( section      
#cac7;e7 ( title #ca1 ,unit$ ,/ates     
,code1 t are applicable to ! ,director (
 ! ,f$]al ,insurance ,(fice ( !         
,dep>tm5t ( ! ,treasury1 to ! ,f$]al    
,insurance ,(fice1 & to data & in=mation
 collect$ pursuant to su* section %all  
apply to ! ,comptroll] ,g5]al1 !        
,gov]nm5t ,acc\ntability ,(fice1 & to   
data & in=mation collect$ pursuant to   
p>agraph 7#a7 ( ?is subsection1         
respectively2 &  7,b7 any ,f$]al ag5cy1 
,/ate insurance regulator or regulatory 
ag5cy1 o!r publicly available s\rce1    
insur]1 or ?ird p>ty v5dor f :i* data & 
in=mation is reque/$ %all provide su*   
data & in=mation to ! ,comptroll] ,g5]al
 n lat] ?an ! expiration ( ! #ij-;day   

p]iod t beg9s ^u receipt ( su* reque/4  
7#c7 ,discretion ,p>agraph 7#a7 may n be
 con/ru$ to require ! ,comptroll] ,g5]al
 collect in=mation & data describ$ 9 su*
 p>agraph 9 compreh5sive mann] & !      
,comptroll] ,g5]al may1 9 ! sole        
discretion ( ! ,comptroll] ,g5]al       
collect z mu* in=mation z ! ,comptroll] 
,g5]al consid]s necess>y to obta9 an    
accurate sample ) respect to insur]s or 
areas t is suffici5t to comply ) !      
requirem5ts ( subsection 7a74  7d7      
,obta9+ o!r in=mation ,! ,comptroll]    
,g5]al %all obta9 & utilize 9 ea* /udy  
"u ?is section socioeconomic data f     
s\rces o!r ?an insur]s1 includ+ data f !
 ,bureau ( ! ,c5sus1 ,curr5t ,population
 ,survey & ,am]ican ,community ,survey1 
& data f any reviews ( automobile       
insurance premiums & rates conduct$ by  
,/ate insurance regulator or regulatory 
ag5cy1 appropriate to id5tify & analyze1
 = ! prec$+ ye>-- 7#a7 socioeconomic    
*>act]i/ics relat+ to risk              
classifications associat$ ) great] or   

less] premium *>ges2  7#b7 zip codes1   
geographic areas1 & communities         
associat$ ) great] or less] premium     
*>ges2  7#c7 zip codes1 geographic      
areas1 & communities hav+ m or few]     
*oices = /&>d & pref]r$ private pass5g] 
automobile insurance products &         
premiums2  7#d7 zip codes1 geographic   
areas1 & communities 9 :i* ! sale (     
non-/&>d insurance1 ! use ( automobile  
insurance premium f9anc+1 ! use (       
non-volunt>y automobile insurance1 !    
rates ( un9sur$ motori/s1 & civil &     
crim9al actions = failure to ma9ta9     
insurance are greate/2  7#e7 zip codes1 
geographic areas1 & communities hav+    
great] or few] insurance produc]        
locations t provide /&>d_/pref]r$       
options z comp>$ to non-/&>d options2 & 
7#f7 zip codes1 geographic areas1 &     
communities 9 :i* ! (f] ( & use (       
telematics & o!r new] data-driv5        
te*nologies is great] or less]4  7e7    
,evaluation ( in=mation ,9 conduct+ ea* 
/udy "u ?is section1 ! ,comptroll]      

,g5]al %all evaluate ! pres5ce or abs5ce
 ( disp>ate impact 9 private pass5g]    
automobile insurance pric+1 risk        
classifications1 & product (f]+s bas$ on
 race1 religion1 national orig91 g5d]1  
m>ital /atus1 sexual ori5tation1        
occupation1 occupation /atus1 level (   
education1 consum] cr$it score1 &       
home[n]%ip /atus1 & %all employ         
multi-v>iate /ati/ical analysis to      
conduct su* analysis4  7f7 ,limitation  
,9 conduct+ ea* /udy "u ?is section1 !  
,comptroll] ,g5]al may n engage 9 or    
include 9 ! /udy any analysis ( !       
reasonabl5ess ( premiums *>g$ to claims 
paid or incurr$4  7g7 ,bi5nial reports  
,= ea* /udy requir$ to be conduct$      
pursuant to subsection 7a71 !           
,comptroll] ,g5]al %all submit a report 
to ! ,congress describ+ ! /udy conduct$1
 ! analysis conduct$ "u ! /udy1 & any   
conclusions rea*$ pursuant to ! /udy &  
analysis4 ,! report = ea* su* /udy %all 
be submitt$ n lat] ?an ! deadl9e "u     
subsection 7a7 = completion ( ! /udy4   

7h7 ,availability ( in=mation ,^u       
submitt+ ea* report to ! ,congress      
pursuant to subsection 7g71 !           
,comptroll] ,g5]al %all make publicly   
available all in=mation collect$        
pursuant to ?is section = su* report &  
o!r in=mation us$ 9 conduct+ ! /udy "u  
?is section = su* report1 except t any  
in=mation made publicly available may n 
conta9 any p]sonally id5tifiable        
in=mation1 nor any in=mation t c\ld     
id5tify individual insur$s or           
applicants1 "u private pass5g]          
automobile insurance = :i* su* in=mation
 is collect$4  7i7 ,consid]ations 9     
approv+ premium rates ,ea* ,/ate        
insurance regulatory (fic] or ag5cy %all
 take into consid]ation ! reports       
submitt$ pursuant to subsection 7a7 9   
e/abli%+ & approv+ premium rates =      
private pass5g] automobile insurance    
cov]age4