See other bills
under the
same topic
                                                      PRINTER'S NO. 4796

THE GENERAL ASSEMBLY OF PENNSYLVANIA


HOUSE BILL

No. 3025 Session of 2006


        INTRODUCED BY WRIGHT, OCTOBER 17, 2006

        REFERRED TO COMMITTEE ON INSURANCE, OCTOBER 17, 2006

                                     AN ACT

     1  Amending the act of July 22, 1974 (P.L.589, No.205), entitled
     2     "An act relating to unfair insurance practices; prohibiting
     3     unfair methods of competition and unfair or deceptive acts
     4     and practices; and prescribing remedies and penalties,"
     5     further defining "unfair methods of competition" and "unfair
     6     or deceptive acts or practices."

     7     The General Assembly of the Commonwealth of Pennsylvania
     8  hereby enacts as follows:
     9     Section 1.  Section 5(a) of the act of July 22, 1974
    10  (P.L.589, No.205), known as the Unfair Insurance Practices Act,
    11  is amended by adding a paragraph to read:
    12     Section 5.  Unfair Methods of Competition and Unfair or
    13  Deceptive Acts or Practices Defined.--(a)  "Unfair methods of
    14  competition" and "unfair or deceptive acts or practices" in the
    15  business of insurance means:
    16     * * *
    17     (15)  With respect to the renewal of a policy of private
    18  passenger automobile or a policy covering owner-occupied private
    19  residential property or a policy covering personal property of


     1  individuals, using a change in the insured's credit history,
     2  credit rating or a credit scoring model to increase a premium,
     3  assess a premium surcharge or refuse to renew the policy. For
     4  purposes of this paragraph, "credit" means information from a
     5  consumer report of a consumer reporting agency as defined in the
     6  Fair Credit Reporting Act (Public Law 91-508, 15 U.S.C. § 1681
     7  et seq.).
     8     * * *
     9     Section 2.  This act shall take effect in 60 days.














    I28L40DMS/20060H3025B4796        - 2 -