---
title: SB 507. Underwriting and Rate Risking; use of credit information and credit scores in underwriting, rating risks, adverse actions, or certain other actions by insurance companies; prohibit
collection: bills
id: 2025-2026/sb507
cite_as: SB 507, 2025-2026 Regular Session (Ga.)
canonical_url: https://georgiacommons.org/bills/2025-2026/sb507
md_url: https://georgiacommons.org/bills/2025-2026/sb507.md
text_url: https://georgiacommons.org/bills/2025-2026/sb507/text
source_url: https://www.legis.ga.gov/legislation/73187
date: 2026-02-17
status: introduced
corpus_version: bills-2026-09-13
license: Public record of the Georgia General Assembly, via LegiScan; see about.md
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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omitted: votes and history
omitted_chars: 95
omitted_url: https://georgiacommons.org/bills/2025-2026/sb507.md?full=1
bill_number: SB 507
session: 2025-2026 Regular Session
session_slug: 2025-2026
chamber: Senate
bill_type: bill
status_date: 2026-02-12
last_action: Senate Read and Referred
sponsors:
  - Nabilah Islam Parkes
  - Nan Orrock
  - Harold Jones
  - Randal Mangham
  - Tonya Anderson
  - Nikki Merritt
  - RaShaun Kemp
  - Jaha Howard
  - Derek Mallow
text_version: Introduced
has_text: true
legiscan_url: https://legiscan.com/GA/bill/SB507/2025
upstream_id: 2116184
summaries_model: claude-sonnet-5
topic_tags:
  - insurance regulation
  - credit scores
  - auto insurance
  - homeowners insurance
  - consumer protection
---

# SB 507. Underwriting and Rate Risking; use of credit information and credit scores in underwriting, rating risks, adverse actions, or certain other actions by insurance companies; prohibit

## Text

Senate Bill 507
By: Senators Parkes of the 7th, Orrock of the 36th, Jones II of the 22nd, Mangham of the
55th, Anderson of the 43rd and others
A BILL TO BE ENTITLED
AN ACT
To amend Article 4 of Chapter 24 of Title 33 of the Official Code of Georgia Annotated,
relating to underwriting and rate risking, so as to prohibit the use of credit information and
credit scores in underwriting, rating risks, adverse actions, or certain other actions by
insurance companies; to prohibit adverse actions against consumers in certain circumstances;
to provide for related matters; to provide for an effective date and applicability; to repeal
conflicting laws; and for other purposes.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION 1.
Article 4 of Chapter 24 of Title 33 of the Official Code of Georgia Annotated, relating to
underwriting and rate risking, is amended by revising Code Section 33-24-90, relating to
definitions, as follows:
"33-24-90.
As used in this article, the term:
(1) 'Adverse action' shall mean a denial or cancellation of, an increase in any charge for,
or a reduction or other adverse or unfavorable change in the terms of coverage or amount
of any insurance, existing or applied for, in connection with the underwriting of personal
insurance.
<del>(2) 'Affiliate' shall mean any company that controls, is controlled by, or is under common
control with another company.
(3)(2)</del> 'Applicant' shall mean an individual who has applied to be covered by a personal
insurance policy with an insurer.
<del>(4)(3)</del> 'Consumer' shall mean an insured <del>whose credit information is used or whose
insurance score is calculated in the underwriting or rating</del> of a personal insurance policy
or an applicant for such a policy.
<del>(5)(4)</del> 'Consumer reporting agency' shall mean any person that, for monetary fees, dues,
or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice
of assembling or evaluating consumer credit information or other information on
consumers for the purpose of furnishing consumer reports to third parties.
<del>(6)(5)</del> 'Credit information' shall mean any credit related information derived from a credit
report or found on a credit report utilized by an insurer or used by an insurer to calculate
an insurance score for personal insurance. Information that is not credit related shall not
be considered credit information, regardless of whether it is contained in a credit report
or in an application, or is used to calculate an insurance score.
<del>(7)(6)</del> 'Credit report' shall mean any written, oral, or other communication of information
by a consumer reporting agency bearing on a consumer's credit worthiness, credit
standing, or credit capacity which is used or expected to be used or collected in whole or
in part for the purpose of serving as a factor to determine personal insurance premiums,
eligibility for coverage, or tier placement.
<del>(8)(7)</del> 'Insurance score' shall mean a number or rating that is derived from an algorithm,
computer application, model, or other process that is based in whole or in part on credit
information for the purposes of predicting the future insurance loss exposure of an
individual applicant or insured.
<del>(9)(8)</del> 'Personal insurance' shall mean private passenger automobile, homeowners,
motorcycle, mobile homeowners, and noncommercial dwelling fire insurance policies
and boat, personal watercraft, snowmobile, and recreational vehicle policies. Such
policies must be individually underwritten for personal, family, or household use. No
other type of insurance shall be included as personal insurance for the purpose of this
article."
SECTION 2.
Said article is further revised by repealing Code Section 33-24-91, relating to use of credit
information to underwrite or rate risks, in its entirety and enacting a new Code
Section 33-24-91 to read as follows:
<ins>"33-24-91.
(a) No insurer, agent, rating organization, or other entity in the insurance industry shall use
a credit report, insurance score, or other credit information from a consumer reporting
agency or other entity for any purpose related to:
(1) Underwriting;
(2) Eligibility for coverage;
(3) The categorization of an insured;
(4) Risk rating;
(5) Pricing;
(6) The application of surcharges or discounts;
(7) Policy cancellations or nonrenewals; or
(8) Any other practice that affects the premium or availability of personal insurance.
(b) No insurer shall take any adverse action against a consumer based in whole or in part
on:
(1) Credit information;
(2) Insurance score; or
</ins>
<ins>(3) The absence of a credit history.
(c) Insurers shall not use any variable, algorithm, or model that functions as a proxy for
credit information.
(d) Insurers shall not request or credit reports for purposes related to personal insurance."
</ins> SECTION 3.
Said article is further amended by repealing Code Sections 33-24-92 through 33-24-98.
SECTION 4.
This Act shall become effective July 1, 2026, and shall apply to all applicable policies,
contracts, and certificates executed, delivered, issued for delivery, or renewed in this state
on or after October 1, 2026.
SECTION 5.
All laws and parts of laws in conflict with this Act are repealed.

## Summaries written by Georgia Commons

The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary.

A Georgia Senate bill would ban insurance companies from using credit reports or credit-based insurance scores when setting rates, deciding coverage, or canceling personal insurance policies like auto and homeowners insurance.

### Plain-language summary

Georgia law currently allows insurers to use credit information and insurance scores (numbers derived from credit data) to help decide premiums, eligibility, and policy terms for personal insurance such as auto, homeowners, motorcycle, and boat policies. This bill would reverse that.
It rewrites the definitions section of the law (O.C.G.A. § 33-24-90) to trim references tied to credit-based scoring, then completely replaces the section that governs credit use (O.C.G.A. § 33-24-91). The new version bars insurers, agents, and rating organizations from using credit reports, insurance scores, or other credit information for underwriting, pricing, coverage eligibility, surcharges, discounts, cancellations, or nonrenewals of personal insurance. It also forbids penalizing a consumer for having no credit history and bans using any substitute variable or algorithm that functions as a stand-in for credit data. The bill repeals several related Code sections (33-24-92 through 33-24-98) and would take effect July 1, 2026, applying to policies issued or renewed on or after October 1, 2026.

### What it does

- Bans insurers, agents, and rating organizations from using credit reports or insurance scores to underwrite, price, or set eligibility for personal insurance policies.
- Prohibits adverse actions, such as coverage denial, cancellation, or premium increases, based on a consumer's credit information, insurance score, or lack of credit history.
- Bans use of any variable, algorithm, or model that acts as a proxy for credit information in personal insurance decisions.
- Prohibits insurers from requesting credit reports for personal insurance purposes at all.
- Repeals Code Sections 33-24-92 through 33-24-98, removing related existing rules on credit-based insurance scoring.
- Sets the law to take effect July 1, 2026, applying to policies issued or renewed on or after October 1, 2026.

### Who it affects

Insurance companies, agents, and rating organizations that sell personal insurance in Georgia, including auto, homeowners, motorcycle, mobile home, boat, and recreational vehicle insurers, as well as Georgia consumers who buy or renew these policies and whose credit history currently can affect their premiums or coverage.

### Why it matters

If enacted, Georgia drivers and homeowners with poor or no credit history could no longer see their auto or homeowners insurance premiums or coverage decisions influenced by that credit history, while insurers would lose a tool they currently use to help predict risk and set prices.

### Key provisions

- Section 1 revises the definitions in O.C.G.A. § 33-24-90, removing the 'affiliate' definition and narrowing the 'consumer' definition to drop references to credit-based scoring.
- Section 2 repeals and replaces O.C.G.A. § 33-24-91, listing eight prohibited uses of credit information in personal insurance, including underwriting, pricing, and cancellations.
- Section 2 also bars adverse actions based on credit information, insurance scores, or absence of credit history, and bans proxy variables or algorithms that substitute for credit data.
- Section 3 repeals Code Sections 33-24-92 through 33-24-98, which previously contained additional rules tied to credit-based insurance scoring.
- Section 4 sets the effective date as July 1, 2026, applying to policies executed, delivered, issued, or renewed on or after October 1, 2026.

## Status

- Status: Introduced (2026-02-12)
- Last action: Senate Read and Referred (2026-02-17)
- Sponsors: Nabilah Islam Parkes, Nan Orrock, Harold Jones, Randal Mangham, Tonya Anderson, Nikki Merritt, RaShaun Kemp, Jaha Howard, Derek Mallow
- Official page: https://www.legis.ga.gov/legislation/73187

> The history, votes, and amendments (95 characters) are at https://georgiacommons.org/bills/2025-2026/sb507.md?full=1