OK HB4286

Prohibits insurers from using credit information or credit-based insurance scores to deny, cancel, non-renew personal insurance policies, or to set policy rates

Insurers may still use their own payment history information and insurance claims history reports for underwriting decisions

Removes "credit score fees" from the list of allowable fees that insurers can charge to consumers

Repeals existing Oklahoma statutes (36 O.S. 2021, Sections 953 and 953.1) that previously regulated how insurers could use credit information

Effective date: November 1, 2026