HB1582: prohibiting the use of credit information in underwriting and rating personal automobile and homeowners insurance policies and prohibiting certain surveillance practices by insurers.

Related law links

RSA references from bill data

• 359-B:3 · reference

  clining to issue a policy of personal automobile insurance or homeowners insurance. II. For the purposes of this section: (a) "Consumer report" shall have the same meaning as in RSA 359-B:3, IV. (b) "Credit history" or "credit score" means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's creditworthiness, credit standing, or credit capacit

• 412 · amend

  of property owners. The purpose of this act is to prohibit such uses and practices to protect New Hampshire consumers. 2 New Section; Use of Credit Information Prohibited. Amend RSA 412 by inserting after section 15 the following new section: 412:15-a Use of Credit Information Prohibited. I. Notwithstanding any other provision of law, no insurer or insurance producer may use an applicant's or insured

• 412:15 · repeal

  violation of this section shall be deemed an unfair method of competition and an unfair and deceptive act or practice in the business of insurance under RSA 417:4. 5 Repeal. RSA 412:15, III, relative to the use of credit reports, credit histories, and credit scoring models for purposes of underwriting and rate setting for automobile and homeowner insurance policies, is repealed. 6 Effective Date.

• 417 · amend

  nal automobile insurance or homeowners insurance. 4 New Sections; Unfair Insurance Trade Practices; Surveillance by Drones, Satellites, and Commercial Imagery Prohibited. Amend RSA 417 by inserting after section 4 the following new section: 417:4-a Use of Drone Surveillance Prohibited. I. No insurer or insurance producer shall use any unmanned aerial vehicle or drone to conduct surveillance, i

• 417:4 · amend

  y for insurance. III. Any violation of this section shall be deemed an unfair method of competition and an unfair and deceptive act or practice in the business of insurance under RSA 417:4. 3 Unfair Insurance Trade Practices. Amend RSA 417:4, VIII(g) to read as follows: (g) [Charging a higher premium for private passenger automobile or homeowner insurance solely on the basis of information obtained

RSAs mentioned by this document

• RSA 359-B · CONSUMER CREDIT REPORTING
• RSA 412 · REGULATION OF FORMS AND RATES FOR PROPERTY AND CASUALTY INSURANCE
• RSA 417 · UNFAIR INSURANCE TRADE PRACTICES
• RSA 359-B:3 · Definitions and Rules of Construction
• RSA 412:15 · Rate Standards
• RSA 417:4 · Unfair Methods, Acts, and Practices Defined