MO HB920

Expands the definition of "contract" to include all property and personal insurance policies (not just automobile insurance), while excluding mortgage and commercial insurance.

Prohibits insurers from taking adverse actions against new applicants based solely on credit reports or insurance credit scores without considering at least one non-credit underwriting factor.

Requires insurers to disclose at time of application that they may gather credit information, and prohibits adverse actions on renewal contracts based on credit information.

Prohibits insurers from using credit reports or insurance credit scores against persons currently insured under existing contracts with the insurer.

Establishes consumer protections including the right to request reunderwriting after credit report corrections, and requires insurers to provide clear notice of reasons for adverse actions within thirty days of request.