Robert Detlefsen, “Disparate Impact” Theory Provides No Support For Banning Credit Scoring Insurance,” Washington Legal Foundation Legal Backgrounder, April 2005.
“The Legal Theory of Disparate Impact Does Not Apply to the Regulation of Credit-Based Insurance Scoring,” NAMIC Issue Analysis, July 2004.
Disparate Impact Theory [F/S]
NAMIC opposes all efforts by policymakers at both the state and federal to impose the disparate impact standard onto the provision of homeowners insurance. Doing so could undermine the risk-based underwriting process, while triggering a wave of frivolous litigation, and would also violate the jurisdiction of the states to regulate insurance under the McCarran-Ferguson Act.
Posted: Thursday, July 05, 2012 1:44:56 PM. Modified: Wednesday, July 25, 2012 4:39:00 PM.
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