WA People
BILL · 2005–06 SESSION · LATEST VERSION ESSB 5275

SB 5275: Consumer credit histories

Prohibiting the use of consumer credit histories for personal insurance renewal decisions. (REVISED FOR ENGROSSED: Limiting the use of consumer credit histories for personal insurance renewal decisions.)

Summary

  • Adds definitions of "prior credit history" and "updated credit history."
  • Prohibits an insurer from using a consumer's updated credit history at the time of renewal to determine premium if the updated credit history is less favorable than the prior credit history.
  • Allows an insurer to use the prior credit history or other factors to determine premium increases at renewal.
  • Delays the effective date until December 31, 2005.

From the Substitute House Bill Report (SSB 5275), written by the Legislature's nonpartisan staff. Read the full report ↗

Did not pass Did not pass · passed Senate, stalled in House
  1. IntroducedJan 19, 2005
  2. Out of committeeFeb 3, 2005
  3. Passed SenateMar 3, 2005
  4. Passed Housestopped here
  5. Governor
  6. Law
Prime sponsor
Darlene Fairley (D-32)
Introduced
January 19, 2005 in the Senate
Last action
January 9, 2006
Companion bill
HB 1928
Budget
Has a fiscal note
Versions
SB 5275, ESSB 5275

AN ACT Relating to prohibiting the use of consumer credit histories for personal insurance renewal decisions;

Sponsors

Prime sponsor: Darlene Fairley (D-32)

5 co-sponsors (3 Democrats, 2 Republicans)

Don Benton R-17Debbie Regala D-27Adam Kline D-37Rosa Franklin D-29Joyce Mulliken R-13

Votes

Senate · 3rd Reading & Final Passage

Passed March 3, 2005
Version voted on: ESSB 5275
38 Yea 11 Nay 0 Absent 0 Excused
PartyYeaNayAbsentExcused
Democrat26000
Republican121100
How each member voted
Permalink to this vote

History

  1. By resolution, reintroduced and retained in present status. (ESSB 5275)
  2. By resolution, returned to Senate Rules Committee for third reading. (ESSB 5275)
  3. Referred to Rules 2 Consideration. (ESSB 5275)
  4. Placed on second reading by Rules Committee. (ESSB 5275)
  5. Passed to Rules Committee for second reading. (ESSB 5275)
  6. Minority; do not pass. (ESSB 5275)
  7. FII - Majority; do pass. (ESSB 5275)
  8. FII - Executive action taken by committee. (ESSB 5275)
  9. First reading, referred to Financial Institutions & Insurance. (ESSB 5275)
  10. Third reading, passed; yeas, 38; nays, 11; absent, 0; excused, 0. (ESSB 5275)
  11. Rules suspended. Placed on Third Reading. (ESSB 5275)
  12. Floor amendment(s) adopted. (ESSB 5275)
  13. 1st substitute bill substituted. (ESSB 5275)
  14. 1st substitute bill substituted.
  15. Placed on second reading by Rules Committee. (ESSB 5275)
  16. Placed on second reading by Rules Committee.
  17. Made eligible to be placed on second reading. (ESSB 5275)
  18. Made eligible to be placed on second reading.
  19. FHC - Majority; 1st substitute bill be substituted, do pass. (ESSB 5275)
  20. Minority; without recommendation. (ESSB 5275)
  21. Passed to Rules Committee for second reading. (ESSB 5275)
  22. Passed to Rules Committee for second reading.
  23. Minority; without recommendation.
  24. FHC - Majority; 1st substitute bill be substituted, do pass.
  25. First reading, referred to Financial Institutions, Housing & Consumer Protection.

SB 5275 in other sessions

Bill numbers restart every two years, so the same number is a different bill in each session.

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