H.R. 3503

119th CONGRESS 1st Session

To prohibit life insurance providers from discriminating based on a person’s status as a living kidney donor, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES · May 19, 2025 · Sponsor: Mr. Van Drew · Committee: Committee on Financial Services

Table of contents

• H.R. 3503
  • SEC. 1. Short title
  • SEC. 2. Discrimination based on living kidney donor status

SEC. 1. Short title

• This Act may be cited as the Kidney Donation Anti-Discrimination Act.

SEC. 2. Discrimination based on living kidney donor status

• (a) In general
  • It shall be unlawful to discriminate against a living kidney donor, in the offering, issuance, cancellation, price or conditions of a life insurance policy, or in the amount of coverage provided under a life insurance policy, based solely on the status of such person as a living kidney donor, without evidence of additional actuarial risks, unrelated to their donation.
• (b) Private right of action
  • A person who suffers harm as a result of a violation of subsection (a) may bring an individual action against the entity who discriminated against such person in the appropriate district court of the United States for damages and attorney’s fees.
• (c) Rule of construction
  • Nothing in this section may be construed to preempt any State or local law that provides greater protection to living kidney donors with respect to life insurance than this section does.
• (d) Definitions
  • In this section:
    • The term life insurance policy means a contract under which an entity promises to pay a designated beneficiary a sum of money upon the death of the insured.
    • The term living kidney donor means an individual who has donated a kidney and is not deceased.