WA SB5589

Office of the Insurance Commissioner must study how insurers use credit history, credit-based insurance scores, and other rating factors that may disparately impact Washington residents by race, ethnicity, sex, socioeconomic status, and national origin

Personal insurance companies are required to provide requested data to the Insurance Commissioner for the study

Study must identify alternative rating factors that do not rely on credit history or disparately impact protected groups, and analyze impacts on consumer costs and insurance availability

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

Data collected for the study is confidential and exempt from public disclosure, though aggregate reports may be published; provision expires December 31, 2033