The Impact Of Credit Based Insurance Scoring On The Availability And Affordability Of Insurance
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The Impact of Credit-based Insurance Scoring on the Availability and Affordability of Insurance by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations Pdf
Credit-based Insurance Scores by Martin H. Tarlington Pdf
Section 215 of the FACT Act (FACTA)1 requires the Federal Trade Commission (FTC or the Commission) and the Federal Reserve Board (FRB), in consultation with the Department of Housing and Urban Development, to study whether credit scores and credit-based insurance scores affect the availability and affordability of consumer credit, as well as automobile and homeowners insurance. FACTA also directs the agencies to assess and report on how these scores are calculated and used; their effects on consumers, specifically their impact on certain groups of consumers, such as low-income consumers, racial and ethnic minority consumers, etc.; and whether alternative scoring models could be developed that would predict risk in a manner comparable to current models but have smaller differences in scores between different groups of consumers. The Commission issues this report to address credit-based insurance scores primarily in the context of automobile insurance. Credit-based insurance scores, like credit scores, are numerical summaries of consumers' credit histories. Credit-based insurance scores typically are calculated using information about past delinquencies or information on the public record (eg: bankruptcies); debt ratios (i.e., how close a consumer is to his or her credit limit); evidence of seeking new credit (e.g., inquiries and new accounts); the length and age of credit history; and the use of certain types of credit (e.g., automobile loans).
Report on the Activity of the Committee on Financial Services for the One Hundred Tenth Congress by United States. Congress. House. Committee on Financial Services Pdf
Keeping Score on Credit Scores by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Pdf
Congressional Record by United States. Congress Pdf
The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)
Author : United States. Congress Publisher : Unknown Page : 712 pages File Size : 44,6 Mb Release : 2008 Category : United States ISBN : UCLA:L0104348081
United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : Unknown Page : 132 pages File Size : 52,6 Mb Release : 2010 Category : Law ISBN : PURD:32754081266847
