{"database": "press", "table": "releases", "rows": [["https://pressley.house.gov/2026/08/04/news-pressley-warren-lawmakers-probe-insurance-companies-on-usage-of-credit-based-insurance-scores-as-costs-rise/", "NEWS: Pressley, Warren, Lawmakers Probe Insurance Companies on Usage of Credit-Based Insurance Scores as Costs Rise", "2026-08-04", "2026", "2026-08", "Democrat", "House", "MA", "Ayanna Pressley", "P000617", "pressley.house.gov", "pressley", "https://pressley.house.gov/news/", "scraper", "\u201cInsurers should not charge consumers higher premiums simply because of their personal credit history, which could have been impacted by job loss, a surprise medical bill, predatory lending, or simply inaccurate information, rather than the actual risk associated with a home.\u201d\n\nLetter to USAA | Letter to State Farm | Letter to Progressive | Letter to Liberty Mutual | Letter to Farmers | Letter to Allstate\n\nWASHINGTON \u2013 Today, Congresswoman Ayanna Pressley (MA-07), a member of the House Financial Services Committee, and Senator Elizabeth Warren (D-MA), Ranking Member of the Senate Banking, Housing and Urban Affairs Committee, led 18 members of Congress in a set of letters to USAA, State Farm, Progressive, Liberty Mutual, Farmers, and Allstate requesting information on the usage of credit-based insurance scores in homeowners insurance underwriting and pricing.\n\nIn the letters, the lawmakers underscored concerns that insurance companies are unfairly jacking up rates based on customer credit history:\n\n\u201cProperty and casualty insurance products price the risk of loss due to damage to a property and its contents; and unlike debt, these products do not hinge on a customer\u2019s ability to repay or carry the risk of defaulting on a loan. Despite this, recent reporting indicates that Americans with weaker credit history pay significantly more for homeowners insurance, all other characteristics of the policyholder and property held equal.\u201d\n\n\u201cInsurers have cited increasing climate-related disasters \u2013 along with rising building and reinsurance costs \u2013 as the key sources behind rising homeowners insurance premiums. Yet recent research shows that credit scores impact homeowners insurance premiums as much, if not more than, disaster risk in many parts of the country,\u201d continued the lawmakers.\n\n\u201cInsurers should not charge consumers higher premiums simply because of their personal credit history, which could have been impacted by job loss, a surprise medical bill, predatory lending, or simply inaccurate information, rather than an actual risk associated with a home,\u201d the lawmakers wrote.\n\nThe lawmakers called on the insurance companies to provide information on how they use credit-based scoring when offering or pricing homeowners insurance policies, requesting responses from the companies by August 13.\n\nThe letters are cosigned by Representatives Andr\u00e9 Carson (D-Ind.), Sean Casten (D-Ill.), Sylvia Garcia (D-Tex.), Al Green (D-Tex.), Pramila Jayapal (D-Wash.), Jim McGovern (D-Mass.), Alexandria Ocasio-Cortez (D-NY), Ilhan Omar (D-Minn.), Shri Thanedar (D-Mich.), Rashida Tlaib (D-Mich.), Bonnie Watson Coleman (D-NJ), Nikema Williams (D-Geo.), and SenatorsRichard Blumenthal (D-Conn.), Tammy Duckworth (D-Ill.), Ruben Gallego (D-Ariz.), Adam Schiff (D-Calif.), Chris Van Hollen (D-Mary.), and Ron Wyden (D-Ore.).\n\n###", 1, "2026-08-05T07:37:37Z", "2026-08-05T07:38:44Z"]], "columns": ["url", "title", "date", "year", "month", "party", "chamber", "state", "member_name", "bioguide_id", "domain", "scraper", "source", "date_source", "text", "has_text", "collected_at", "updated_at"], "primary_keys": ["url"], "primary_key_values": ["https://pressley.house.gov/2026/08/04/news-pressley-warren-lawmakers-probe-insurance-companies-on-usage-of-credit-based-insurance-scores-as-costs-rise/"], "units": {}, "query_ms": 0.6891798693686724, "source": "dwillis/congress-press", "source_url": "https://github.com/dwillis/congress-press", "license": "MIT", "license_url": "https://github.com/dwillis/congress-press/blob/main/LICENSE"}