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[ clip Low credit raises cost of home insurance ]

12 document(s) related     Texas Bills & Amendments: 5     Reports: 6     Misc. items: 1

Texas Bills / Amendments Caption Clips
89th Regular Session
HB 2741 Relating to prohibiting the use of credit scoring in certain lines of personal insurance. 3
HB 5519 Relating to rates for residential property insurance and personal automobile insurance. 4
SB 1644 Relating to the use of a consumer's credit score in the underwriting or rating of certain personal lines property and casualty insurance policies. 1
78th Regular Session
HB 4 Relating to reform of certain procedures and remedies in civil actions. 777
SB 14 Relating to certain insurance rates, forms, and practices; providing penalties. 439
Reports
Clips
Penalized: The hidden cost of credit score in homeowners insurance premiums. (Link Type: Report)
See: https://consumerfed.org/reports/penalized/
By Consumer Federation of America
Publication Date: August 12, 2025
   
Price signals and credit penalties in the home insurance market. (Link Type: Report)
See: https://osf.io/preprints/%20socarxiv/uwx9q_v1
By Nick Graetz, Department of Sociology, University of Minnesota
Publication Date: Last edited August 9, 2025
   
Targeting by zip code: An analysis of the connection between car insurance pricing and related criminal justice consequences in Harris County. (Link Type: Report)
See: https://www.texasappleseed.org/sites/default/files/2025-02/targetingbyzipcodereport5_webfinal_feb4_2...
By Texas Appleseed
Publication Date: February 2025
   
Discriminatory effects of credit scoring on communities of color. (Link Type: Report)
See: https://nationalfairhousing.org/wp-content/uploads/2017/04/NFHA-credit-scoring-paper-for-Suffolk-NCL...
By Lisa Rice and Deidre Swesnik / National Fair Housing Alliance (NFHA)
Publication Date: June 6, 2012
   
Report to the 79th Legislature: use of credit information by insurers in Texas. (Link Type: Report)
See: https://www.tdi.texas.gov/reports/documents/creditrpt04.pdf
By Texas Department of Insurance
Publication Date: December 30, 2004
Library Location: I1100.8 US2 2004
  22
Insurance-based credit scores: Impact on minority and low income populations in Missouri. (Link Type: Report)
See: http://insurance.mo.gov/reports/credscore.pdf
By Missouri Department of Insurance
Publication Date: January 2004
  2
Laws & Rules
Clips
Texas Insurance Code ยง 559.052, Prohibited use of credit information (credit history, credit scoring). (Link Type: Texas Law)
See: http://www.statutes.legis.state.tx.us/Docs/IN/htm/IN.559.htm#559.052
By Texas Legislature
Library Location: LAW-TEX
  2