CRDT INFO-PERSONAL INSURANCE House SponsorsRep. Deborah L. Graham 1/13/2009HouseSession Sine Die 215 ILCS 157/20215 ILCS 157/22215 ILCS 157/25215 ILCS 157/30 Amends the Credit Information in Personal Insurance Act. Provides that an insurer that uses credit information to underwrite risks shall not (i) take an adverse action against a consumer solely because he or she does not have a credit card account; (ii) take an adverse action against a consumer based on credit information, unless and until the insurer satisfies certain conditions, and (iii) use certain credit information as a negative factor in any insurance scoring methodology or in reviewing credit information for the purpose of underwriting or rating a policy of personal insurance. Provides that an insurer authorized to do business in this State may not take adverse action against a consumer who has tendered notice of an extraordinary life event unless and until the insurer has reviewed the consumer's notification and provided the consumer with a written explanation for its decision. Provides that if the insured has overpaid premium due to incorrect or incomplete credit information, the insurer shall refund to the insured the amount of overpayment calculated back to the shorter of either the last 12 months of coverage or the actual policy period. Provides that the insurer must provide the disclosure statement required under the provision each time the insurer obtains the consumer's credit report. Makes other changes. Effective immediately. 2/15/2008HouseFiled with the Clerk by Rep. Deborah L. Graham 2/15/2008HouseFirst Reading 2/15/2008HouseReferred to Rules Committee 2/26/2008HouseAssigned to Consumer Protection Committee 3/11/2008HouseDo Pass / Standard Debate Consumer Protection Committee; 007-003-002 3/12/2008HousePlaced on Calendar 2nd Reading - Standard Debate 4/18/2008HouseFinal Action Deadline Extended-9(b) May 9, 2008 5/9/2008HouseFinal Action Deadline Extended-9(b) May 23, 2008 5/23/2008HouseFinal Action Deadline Extended-9(b) May 31, 2008 5/29/2008HouseSecond Reading - Standard Debate 5/29/2008HouseHeld on Calendar Order of Second Reading - Standard Debate 5/31/2008HouseRule 19(a) / Re-referred to Rules Committee 1/13/2009HouseSession Sine Die