The Impact Of Credit Based Insurance Scoring On The Availability And Affordability Of Insurance
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Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations |
Publisher | : |
Total Pages | : 364 |
Release | : 2008 |
Genre | : Business & Economics |
ISBN | : |
Author | : United States. Congress |
Publisher | : Createspace Independent Publishing Platform |
Total Pages | : 360 |
Release | : 2018-01-17 |
Genre | : |
ISBN | : 9781983937743 |
The impact of credit-based insurance scoring on the availability and affordability of insurance : hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, May 21, 2008.
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations |
Publisher | : |
Total Pages | : 256 |
Release | : 2008 |
Genre | : Credit ratings |
ISBN | : |
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations |
Publisher | : |
Total Pages | : 351 |
Release | : 2008 |
Genre | : Credit ratings |
ISBN | : |
Author | : Martin H. Tarlington |
Publisher | : Nova Science Pub Incorporated |
Total Pages | : 155 |
Release | : 2009 |
Genre | : Business & Economics |
ISBN | : 9781606929148 |
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).
Author | : United States. Federal Trade Commission |
Publisher | : |
Total Pages | : 8 |
Release | : 2008 |
Genre | : Consumer credit |
ISBN | : |
Author | : U. S. Government Printing Office (Gpo) |
Publisher | : BiblioGov |
Total Pages | : 362 |
Release | : 2013-10 |
Genre | : |
ISBN | : 9781289866860 |
The United States Government Printing Office (GPO) was created in June 1860, and is an agency of the U.S. federal government based in Washington D.C. The office prints documents produced by and for the federal government, including Congress, the Supreme Court, the Executive Office of the President and other executive departments, and independent agencies. A hearing is a meeting of the Senate, House, joint or certain Government committee that is open to the public so that they can listen in on the opinions of the legislation. Hearings can also be held to explore certain topics or a current issue. It typically takes between two months up to two years to be published. This is one of those hearings.
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises |
Publisher | : |
Total Pages | : 110 |
Release | : 2003 |
Genre | : Casualty insurance |
ISBN | : |
Author | : United States. Congress. House. Committee on Financial Services |
Publisher | : |
Total Pages | : |
Release | : 2009* |
Genre | : |
ISBN | : |
Author | : Christine Eibner |
Publisher | : Rand Corporation |
Total Pages | : 70 |
Release | : 2014-10-21 |
Genre | : Medical |
ISBN | : 0833091077 |
This report summarizes analysis in which the COMPARE microsimulation model was used to estimate how several potential changes to the Affordable Care Act, including eliminating the individual mandate and eliminating the law’s tax-credit subsidies, might affect 2015 individual market premiums and overall insurance coverage. The report also presents estimate how changes in young adult enrollment might affect 2015 individual market premiums.