HB 221

Did not advance

Motor Vehicle Insurance - Use of Credit History in Rating Policies

Sponsor: Veronica Turner (District 26)Committee: Economic MattersSubject: Insurance - Other than HealthStatus: Second Reading Passed (as of Dec 1, 2021)

What this bill does

Official synopsis

Requiring an insurer that uses credit information, with respect to private passenger motor vehicle insurance, to provide certain exceptions to the insurer's rates, ratings classifications, company or tier placement, and underwriting rules or guidelines to certain applicants and insureds on written request; applying the Act to all private passenger motor vehicle insurance policies issued, delivered, or renewed in the State on or after October 1, 2021; etc.

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Analysis reads the bill text, the fiscal note, and the witness list. It is generated by Claude and reviewed by nobody, so check the source documents before you rely on it.

Testimony (59)

MGA witness list

FAV 37FavorableUNF 20UnfavorableINFO 2Information only

Position	Witness	Organization	Testimony
FAV	Quigley, Tinnalobbyist	Allstate	Oral
FAV	Moore, Tonaeyalobbyist	CASH CAMPAIGN OF MARYLAND	Written (PDF)
FAV	Schneiderman, Franzlobbyist	Consumer Auto	Oral + Written (PDF)
FAV	DeLong, Michael	Consumer Federation of America	Oral + Written (PDF)
FAV	Straughn, Karen	Consumer Protection Division of the Office of the Attorney General	Written (PDF)
FAV	Straughn, Karen	Consumer Protection Division of the Office of the Attorney General	Written (PDF)
FAV	Johnson, Qiana	Life After Release	Oral + Written (PDF)
FAV	Edwards, Donna	Maryland State and DC AFL-CIO	Written (PDF)
FAV	Edwards, Donna	Maryland State and DC AFL-CIO	Written (PDF)
FAV	Jefferson , Staceylobbyist	Marylanders Against Poverty	Written (PDF)
FAV	Elliott, Richard DeShay	Prince George's County Young Democrats	Written (PDF)
FAV	Kleinman, Jan	SURJ	Oral + Written (PDF)
FAV	Murray, Kerriann	SURJ	Written (PDF)
FAV	Esposito, Lindsay	SURJ - Baltimore	Written (PDF)
FAV	Hauck, Barbara	SURJ Baltimore	Written (PDF)
FAV	Smeton, Jonathan	SURJ Baltimore	Written (PDF)
FAV	Powell, Holly	Showing Up for Racial Justice (SURJ)	Written (PDF)
FAV	Simmons, Christina	Showing Up for Racial Justice Baltimore	Written (PDF)
FAV	Keipper, Lindsay	Showing Up for Racial Justice- Baltimore	Written (PDF)
FAV	Beach, Jacqueline	Individual	Written (PDF)
FAV	Chan, Sam	Individual	Written (PDF)
FAV	Davis, Delegate Dereck	Individual	Written (PDF)
FAV	Delegate Turner, Delegate Turnerlegislator	Individual	Oral
FAV	Delegate Turner, Delegate Turnerlegislator	Individual	Oral
FAV	Dwyer, Maura	Individual	Written (PDF)
FAV	Egan, Nancylobbyist	Individual	Oral
FAV	Fertig, Benjamin	Individual	Written (PDF)
FAV	Law, Jonathan	Individual	Position only
FAV	Novak, Natalie	Individual	Written (PDF)
FAV	Pereschuk, Alicia	Individual	Written (PDF)
FAV	Rehr, Nathan	Individual	Written (PDF)
FAV	Rosenthal, Anne	Individual	Written (PDF)
FAV	Schmitz, Martha	Individual	Written (PDF)
FAV	Shillenn, Rebecca	Individual	Written (PDF)
FAV	Stern, Isadoralobbyist	Individual	Oral + Written (PDF)
FAV	Wilkins, Katherine	Individual	Written (PDF)
FAV	Yoder, Daryl	Individual	Written (PDF)
UNF	Popham, Brysonlobbyist	Bryson F. Popham, P.A.	Oral
UNF	DeLong, Michael	Consumer Federation of America	Written (PDF)
UNF	Johnson, Qiana	Life After Release	Oral + Written (PDF)
UNF	Enten, Robert	Maryland Building Industry Assoc	Oral
UNF	Kirkner, Andrew	National Association of Mutual Insurance Companies	Oral
UNF	Nickerson, Sherrylobbyist	Old Line Government Affairs	Written (PDF)
UNF	Mosley, Roosevelt	PINNACLE ACTUARIAL RESOURCES	Oral
UNF	Brown, Kerianne	SURJ	Written (PDF)
UNF	Hauck, Barbara	SURJ Baltimore	Written (PDF)
UNF	Palmisano, Erica	SURJ Baltimore	Written (PDF)
UNF	Smeton, Jonathan	SURJ Baltimore	Written (PDF)
UNF	Harting, Martalobbyist	Venable	Written (PDF)
UNF	Egan, Nancylobbyist	Individual	Written (PDF)
UNF	Fertig, Benjamin	Individual	Written (PDF)
UNF	Rehr, Nathan	Individual	Written (PDF)
UNF	Rochkind, Jonathan	Individual	Written (PDF)
UNF	Seel, Brian	Individual	Written (PDF)
UNF	Stern, Isadoralobbyist	Individual	Oral + Written (PDF)
UNF	Wilkins, Katherine	Individual	Written (PDF)
UNF	Yoder, Daryl	Individual	Written (PDF)
INFO	Paddy, Michaellobbyist	Maryland Insurance Administration	Written (PDF)
INFO	Paddy, Michaellobbyist	Maryland Insurance Administration	Written (PDF)

Organizations on record

AllstateFAV 1

Bryson F. Popham, P.A.UNF 1

CASH CAMPAIGN OF MARYLANDFAV 1

Consumer AutoFAV 1

Consumer Federation of AmericaFAV 1UNF 1

Consumer Protection Division of the Office of the Attorney GeneralFAV 2

Life After ReleaseFAV 1UNF 1

Maryland Building Industry AssocUNF 1

Maryland Insurance AdministrationINFO 2

Maryland State and DC AFL-CIOFAV 2

Marylanders Against PovertyFAV 1

National Association of Mutual Insurance CompaniesUNF 1

Old Line Government AffairsUNF 1

PINNACLE ACTUARIAL RESOURCESUNF 1

Prince George's County Young DemocratsFAV 1

Showing Up for Racial Justice (SURJ)FAV 1

Showing Up for Racial Justice BaltimoreFAV 1

Showing Up for Racial Justice- BaltimoreFAV 1

SURJFAV 2UNF 1

SURJ - BaltimoreFAV 1

SURJ BaltimoreFAV 2UNF 3

VenableUNF 1

Registered lobbyists who testified

FAVQuigley, TinnaAllstateRegistered for: Allstate Insurance Company

FAVMoore, TonaeyaCASH CAMPAIGN OF MARYLANDRegistered for: CASH Campaign of Maryland

FAVSchneiderman, FranzConsumer AutoRegistered for: Auto Consumer Alliance; Consumer Auto

FAVJefferson , StaceyMarylanders Against PovertyRegistered for: Behavioral Health System Baltimore

FAVEgan, NancyRegistered for: American Property Casualty Insurance Association

FAVStern, IsadoraRegistered for: Maryland Consumer Rights Coalition

UNFPopham, BrysonBryson F. Popham, P.A.Registered for: Agency Insurance Company of Maryland; Agency Services, Inc.; Army Alliance; Bryson F. Popham P.A.; Building Owners and Managers Association of Greater Baltimore (BOMA); CVS Health…

UNFNickerson, SherryOld Line Government AffairsRegistered for: Maryland Green Industry Council; Wireless Infrastructure Association; New Venture Fund; Maryland Association of Green Industries, Inc.; Goodwill Industries of the Chesapeake; FEi Systems…

UNFHarting, MartaVenableRegistered for: Abbott Laboratories; Annie E. Casey Foundation, Inc., The; Asurion Insurance Services, Inc.; Baltimore Community Foundation; Baltimore Gas and Electric Company; Baltimore Public Markets Corporation…

UNFEgan, NancyRegistered for: American Property Casualty Insurance Association

UNFStern, IsadoraRegistered for: Maryland Consumer Rights Coalition

INFOPaddy, MichaelMaryland Insurance AdministrationRegistered for: American Cancer Society Cancer Action Network; Campaign to Protect Patient Health d/b/a Value of Care Coalition; Chase Brexton Health System; Diabetes Patient Advocacy Coalition; Gaudenzia, Inc.; Gilead Sciences, Inc.…