To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
This bill, To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility., changes federal law or congressional policy affecting schools, students, and education providers. The main policy domain is Education, Finance, Transportation.
Who Benefits and How
schools, students, and education providers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.
Who Bears the Burden and How
federal implementing agencies, schools, students, and education providers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.
Key Provisions
- Section HA4FF049473E04766BF160C73C1AD9F1C: 1. Short title This Act may be cited as the Prohibit Auto Insurance Discrimination Act or the PAID Act.
- Section H691E593657424EC288BB2B3A9B6C1C50: 2. Findings Congress finds the following: Private passenger automobile insurance companies are institutions which help spread risk of loss over a collective...
- Section HDC321F41A7D7473699A9ACEDFDD6A48F: 3. Requirements for private passenger automobile insurers It shall be unlawful for a private passenger automobile insurer, or any of its affiliate insurers, to...
- Section HBBECB333E9124F6AA54B4BF7B346E6A6: 4. Enforcement A violation of this Act shall be treated as an unfair and deceptive act or practice proscribed under section 5 of the Federal Trade Commission...
- Section HC40192CB44D342E7B8233B8DDF5280FE: 5. Relation to State law This Act does not annul, alter, affect, or exempt any person subject to the provisions of this Act from complying with the laws of any...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
This bill, To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility., changes federal law or congressional policy affecting schools, students, and education providers.
Key Policy Areas
Education, Finance, Transportation
Primary Purpose
This bill, To prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility., changes federal law or congressional policy affecting schools, students, and education providers.
Policy Domains
Whole bill
Identified Gains
- schools, students, and education providers
Identified Costs
- federal implementing agencies
- schools, students, and education providers
Sponsors
Legislative Progress
IntroducedMrs. Watson Coleman (for herself, Ms. Tlaib, and Mr. Takano) …
Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "the_commission"
- → The commission identified in the operative section
Key Definitions
Terms defined in this bill
the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of the entity, whether— through the ownership of voting securities
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology