SAN ANTONIO, TEXAS–A national regulators' session to discussguidelines insurers use to rate customers as risks turned into adebate between consumer and industry representatives over redliningyesterday.

Redlining, the controversial practice of refusing coverage to ageographic area because of its ethnic and economic makeup, becamean issue at a hearing of the National Association of InsuranceCommissioners panel.

The session, conducted by the NAIC Market Conduct Committeeduring the NAIC annual winter meeting, was called to discusswhether a review of insurers' underwriting and risk classificationguidelines is needed.

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