WA HB1748

Office of the Insurance Commissioner must conduct a study on insurers' use of credit history, credit-based insurance scores, and other rate factors that may disparately impact Washington residents in setting personal insurance premiums, rates, and eligibility

Study must analyze impacts on people of various races, ethnicities, sexes, socioeconomic status, and national origins, and identify alternative rate factors that do not rely on credit history or create disparate impacts

Insurers transacting personal insurance are required to provide requested information to the commissioner; data collected is confidential and exempt from public disclosure

Preliminary report due to legislature by December 31, 2025; final report with findings, policy options, and recommendations due by September 15, 2026

Section expires December 31, 2033