Credit Scoring Debated At NAIC Meeting Insurance regulators reviewing the use of credit scores in the underwriting and rating process continue to face conflicting opinions from industry groups and consumer advocates.

Currently, the National Association of Insurance Commissioners Credit Scoring Working Group is mulling an independent study to be conducted or coordinated by the association. The study, if it were to be undertaken, would focus on credit scoring issues, including whether the insurer use of credit scores may have a “disparate impact” on certain minority and low-income groups.

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