Sponsors (3)
Ask me what this bill is really trying to do.
This is not an official government website.
Copyright © 2026 PLEJ LC. All rights reserved.
States that a violation of this Act shall be treated as an unfair or deceptive act or practice proscribed under section 5 of the Federal Trade Commission Act and makes remedies/penalties under that provision applicable to violations of this Act; further provides that, notwithstanding the penalties in section 5, a civil penalty of not less than $2,500 per violation applies under this Act.
Provides that the Federal Trade Commission shall enforce this Act in the same manner, by the same means, and with the same jurisdiction, powers, and duties as though the terms and provisions of the Federal Trade Commission Act (15 U.S.C. 41 et seq.) were incorporated into and made a part of this Act; makes penalties and privileges under that Act applicable to violations of this Act.
Bans private passenger auto insurers from using a set of personal factors (like income proxies such as education, occupation, credit score, and ZIP code) to decide eligibility or premiums, requires public disclosure of underwriting and rate filings, and forces insurers to report whether their marketing, underwriting, claims or algorithms have unfair disparate impacts on protected groups to the Federal Trade Commission (FTC). The FTC gets enforcement authority (including rulemaking and minimum civil penalties), consumers may sue for willful or negligent violations, and State insurance and consumer‑privacy laws remain in effect except where directly inconsistent; the law takes effect one year after enactment.
Referred to the Committee on Financial Services, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced May 29, 2025 by Bonnie Watson Coleman · Last progress May 29, 2025