MN HF1754

Prohibits automobile insurers from using sex, gender, residential or workplace location, or credit information as underwriting standards or rating factors for auto insurance policies in Minnesota.

Adds new prohibited discrimination categories to existing law: sex or gender (item 5), residential or workplace location (item 6), and credit information including credit scores or insurance scores (item 7).

Bans insurers from rejecting, canceling, or nonrenewing private passenger motor vehicle insurance policies based in whole or in part on a person's credit information.

Requires insurers using credit information in underwriting to disclose this use to consumers, exclude those with no credit history from credit-based decisions, and allow policyholders to request score reevaluations up to twice per calendar year.

Prohibits credit scoring methodologies that incorporate applicant gender, race, nationality, or religion, and requires insurers to file credit scoring methodologies with the commissioner.