PSI Sci
New here? Follow the money and the votes · Not sure of your district? Find your U.S. House member · Find your state legislators

H.R. 1270: PAID Act

Before you vote › Federal bills

H.R. 1270: PAID Act

117th Congress · introduced 2021-02-23 · Finance and Financial Sector · Latest: Referred to the Subcommittee on Consumer Protection and Commerce.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2021-02-23 · official record
  2. Who proposed it: Rep. Watson Coleman, Bonnie [D-NJ-12] · 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 Consumer Protection and Commerce. 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

PAID Act

Plain summary

Prohibit Auto Insurance Discrimination Act or the PAID Act This bill prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility. These prohibited factors include gender, employment status, zip code, census tract, marital status, and credit score. Automobile insurers must make underwriting rules and rate filings available to the public. The Federal Trade Commission may enforce a violation of these requirements as an unfair or deceptive act or practice.

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

PAID Act

Source: Congressional Research Service summary (Introduced in House)

AI explanation – may be wrong, check the official text

No AI explanation yet. It takes up to a minute to write and is then saved for everyone.

Limited to a few requests an hour per person.

The strongest published arguments

Arguments for (supporters)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Arguments against (opponents)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

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

Officials and money

Sponsor: Rep. Watson Coleman, Bonnie [D-NJ-12] · 12 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Rashida Tlaib (D-MI), Mark Takano (D-CA), Bennie G. Thompson (D-MS), Jahana Hayes (D-CT), Alexandria Ocasio-Cortez (D-NY), Jesús G. "Chuy" García (D-IL), Eleanor Holmes Norton (D-DC), Sanford D. Bishop, Jr. (D-GA), Ilhan Omar (D-MN)

Sponsor's campaign money: Rep. Watson Coleman, Bonnie [D-NJ-12] reported raising $955,740 (2023–2024). Details. Shown for context only; it does not mean any donor supported this bill.

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.

Words on this page, explained (2)
Bill
A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).
Rulemaking
The process agencies use to write regulations that carry out laws passed by Congress or a legislature. Usually an agency publishes a proposed rule, takes public comments, then publishes a final rule.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong117-hr1270 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117