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2011 House Bill 4595: Restrict insurance company use of consumer credit scores

Public Act 207 of 2012

Introduced by Rep. Deb Shaughnessy (R) on April 28, 2011
To require insurance companies “to provide reasonable exceptions” to their use of credit scores to price policies if a person makes a request in writing based on having experienced personal or natural catastrophes, divorce, identity theft, job loss, etc.   Official Text and Analysis.
Referred to the House Insurance Committee on April 28, 2011
Reported in the House on September 15, 2011
Without amendment and with the recommendation that the bill pass.
Received in the Senate on October 18, 2011
Referred to the Senate Insurance Committee on October 18, 2011
Reported in the Senate on March 8, 2012
With the recommendation that the amendments be adopted and that the bill then pass.
Amendment offered in the Senate on May 1, 2012
To add "predatory lending resulting in foreclosure" in the list of proposed exceptiions.
The amendment passed by voice vote in the Senate on May 1, 2012
Received in the House on May 3, 2012
To concur with the Senate-passed version of the bill.
Signed by Gov. Rick Snyder on June 26, 2012

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