HB1132: Housing, employment, and insurance; prohibit misuse of consumer reports; provisions

Legislative Summary

A BILL to be entitled an Act to amend Titles 8, 10, 33, and 34 of the Official Code of Georgia Annotated, relating to buildings and housing, commerce and trade, insurance, and labor and industrial relations, respectively, so as to prohibit the misuse of consumer reports for housing, employment, and insurance purposes; to require an insurer to disclose that it may obtain credit information from a consumer report for an insurance renewal; to require an insurer to notify an applicant or insured prior to taking an adverse action based on credit information in a consumer report; to provide an opportunity for an applicant or insured to inform the insurer of extenuating circumstances; to require an insurer to address any response from an applicant or insured regarding extenuating circumstances; to provide for a public awareness campaign; to provide for a complaint procedure and information sharing; to provide for related matters; to repeal conflicting laws; and for other purposes.