US HB3664

Prohibits private passenger auto insurers from using 12 factors to determine rates or eligibility: gender, education level, occupation, employment status, home ownership, ZIP code, census tract, marital status, credit score, consumer reports, previous insurer, and prior insurance purchase history

Requires insurers to submit documentation to the FTC within 1 year of enactment, and every 2 years thereafter, demonstrating their practices and algorithms do not disparately impact customers based on race, color, national origin, religion, sex, sexual orientation, disability, or gender identity

Establishes civil penalties of at least $2,500 per violation enforced by the FTC, with violations treated as unfair or deceptive practices under the Federal Trade Commission Act

Creates private right of action allowing consumers to sue for actual damages, punitive damages for willful violations, and attorneys' fees, with a statute of limitations of 2 years from discovery or 5 years from occurrence

Takes effect 1 year after enactment; auto insurance is currently mandated in 49 states (all except New Hampshire)