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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Credit reports
Connecticut security freeze and security breach law
A comprehensive summary of Public Act 05-148 detailing the law as well as its affect on insurance professionals. 2 pages
New York credit freezes and personal record destruction
An overview of the Identity Theft and Mitigation Act, effective Nov. 1, 2006, which allows consumers to bar access to their credit data. 2 pages
New York law and regulations governing use of credit information in personal lines
Summarizes New York law and regulation governing insurers’ use of credit in underwriting and rating personal lines, including customer notices, recordkeeping, agent ’hold harmless’ and more. 20 pages
Summary of New Hampshire regulations on insurance scores
Discussion of rules regarding the conditions that are required to be met before insurers can use insurance scores for underwriting or rating for personal-lines policies. 3 pages
What insurers must tell consumers when using credit information in underwriting
An overview of the laws that require insurance producers to explain to insureds and prospective insureds how credit scoring will be used in their insurance underwriting. 2 pages
What’s the score?—insurance scores, MVRs, credit reports and their compliance issues
Extensive discussion on credit reports, agent responsibilities and privacy issues with insurance scoring. 12 pages
What’s the score?—insurance scores, MVRs, credit reports and their compliance issues
An in-depth report on insurance scoring, how models are developed, a discussion of the Fair Credit Reporting Act and agent responsibilities and concerns. 10 pages
What’s the score?—insurance scores, MVRs, credit reports and their compliance issues
Definition of insurance scoring and how it is legally used to aid insurers in underwriting acceptability as well as how to comply with the requirements of documentation and privacy issues. 11 pages
What’s the score?—insurance scores, MVRs, credit reports and their compliance issues
Extensive discussion on credit reports, agent responsibilities and privacy issues with insurance scoring. 9 pages
What’s the score?—insurance scores, MVRs, credit reports and their compliance issues
Extensive discussion on credit reports, agent responsibilities and privacy issues with insurance scoring. 9 pages