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.














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