STOP INSURANCE REDLINING: SUPPORT H.R. 1257 Insurance discrimination and +quot;redlining,+
STOP INSURANCE REDLINING: SUPPORT H.R. 1257
Insurance discrimination and "redlining," the practice of
denying or providing inferior insurance to whole neighborhoods, is
a significant barrier to the creation of affordable housing and
often has a discriminatory impact based on race and ethnicity. The
Insurance Consumer Protection Act, H.R. 1188, will require major
insurance companies to report to the Dept. of Housing and Urban
Development information regarding the availability of insurance in
neighborhoods of different racial and income profiles.
Unfortunately, the bill as it is currently written is quite weak.
It does not require insurance companies to report the race and
ethnic background of applicants. it requires companies to submit
data by zip code, and not census track, making the data more
difficult to interpret for purposes of attacking race
discrimination. Finally, it does not require the reporting of loss
data which is necessary to counter arguments by insurance companies
that certain neighborhoods have higher losses and therefore should
have higher rates. Efforts will be made to strengthen this bill
when it is voted on by the full House of Representatives.
Write or call your Members of Congress. Ask your
Representative to pass meaningful insurance redlining legislation
by supporting amendments to strengthen H.R. 118. Ask your Senators
to support legislation to ban insurance redlining when it reaches
the Senate. All Americans have a right to fair, non-discriminatory
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