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2011 House Bill 4594: Restrict insurance company use of consumer credit scores

Public Act 206 of 2012

Introduced by Rep. Paul Opsommer R-Dewitt on April 28, 2011
To prohibit insurers from using “credit information” (under a broad definition of that term contained in the bill) to deny cancel or choose to not renew a policy. Also, to impose restrictions, plus requirements for credit-status confirmation, disclosures and more, on an insurer using credit or credit-based “insurance scores” to determine the price at which it will issue an insurance policy.   Official Text and Analysis.
Referred to the House Insurance Committee on April 28, 2011
Reported in the House on September 15, 2011
With the recommendation that the substitute (H-1) be adopted and that the bill then pass.
Substitute offered in the House on October 12, 2011
To replace the previous version of the bill with one that revises details but does not change the substance as previously described.
The substitute passed by voice vote in the House on October 12, 2011
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 substitute (S-1) be adopted and that the bill then pass.
Substitute offered in the Senate on May 1, 2012
Substitute (S-1)..
The substitute passed by voice vote in the Senate on May 1, 2012
Received in the House on May 3, 2012
Amendment offered by Rep. Paul Opsommer R-Dewitt on June 7, 2012
To establish a new date on which the bill will go into effect if passed.
The amendment passed by voice vote in the House on June 7, 2012
To concur with the Senate-passed version of the bill, except for one amendment changing the effective date.
Received in the Senate on June 12, 2012
To concur with the Senate-passed version of the bill.
Signed by Gov. Rick Snyder on June 26, 2012

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