SLS 19RS-313 ORIGINAL
2019 Regular Session
SENATE BILL NO. 89
BY SENATOR LUNEAU
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE RATES. Prohibits insurance providers from using credit reports and gender
as basis for rate setting. (8/1/19)
1 AN ACT
2 To amend and reenact R.S. 22:1454(A), relative to rating standards and methods; to prohibit
3 the use of credit scores or gender to classify risks; and to provide for related matters.
4 Be it enacted by the Legislature of Louisiana:
5 Section 1. R.S. 22:1454(A) is hereby amended and reenacted to read as follows:
6 ยง1454. Rating standards and methods
7 A. Rates shall not be inadequate or unfairly discriminatory in a competitive
8 market. Rates shall not be excessive, inadequate, or unfairly discriminatory in a
9 noncompetitive market. Risks may be classified using any criteria except that no
10 risk shall be classified on the basis of race, color, creed, or national origin, gender,
11 or credit score.
12 * * *
Page 1 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions. SB NO. 89
SLS 19RS-313 ORIGINAL
The original instrument and the following digest, which constitutes no part
of the legislative instrument, were prepared by Cheryl Cooper.
DIGEST
SB 89 Original 2019 Regular Session Luneau
Present law prohibits rates from being inadequate or unfairly discriminatory in a competitive
market. Further prohibits rates from being excessive, inadequate, or unfairly discriminatory
in a noncompetitive market. Provides that no risk shall be classified on the basis of race,
color, creed, or national origin.
Proposed law retains present law and prohibits risks from being classified on the basis of
gender or credit score.
Effective August 1, 2019.
(Amends R.S. 22:1454(A))
Page 2 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.