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H.R. 6129: Ban the Use of Credit Scores in Auto Insurance Act

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H.R. 6129: Ban the Use of Credit Scores in Auto Insurance Act

112th Congress · introduced 2012-07-13 · Finance and Financial Sector · Latest: Referred to the Subcommittee on Financial Institutions and Consumer Credit.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2012-07-13 · official record
  2. Who proposed it: Rep. Clarke, Hansen [D-MI-13] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the Subcommittee on Financial Institutions and Consumer Credit. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Ban the Use of Credit Scores in Auto Insurance Act

Plain summary

Ban the Use of Credit Scores in Auto Insurance Act - Amends the Fair Credit Reporting Act to prohibit: (1) a consumer reporting agency from furnishing a consumer report or consumer information to any person for use in making a decision to underwrite or rate auto insurance, and (2) any person from either using or obtaining a consumer report or consumer information in connection with the underwriting or rating of any consumer regarding an auto insurance transaction. Exempts from this ban property loss data regarding auto insurance as well as information on driver history, such as accidents or moving violations.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Ban the Use of Credit Scores in Auto Insurance Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Clarke, Hansen [D-MI-13] · 2 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Bennie G. Thompson (D-MS)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Record fed-us-cong112-hr6129 · catalog fed-us-congress-bills-cong112 · updated 2026-11-15 by psicol fed-bills-cong112