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Disparate Impact Theory [F/S]

Our Position


The Department of Housing and Urban Development is seeking to impose a burdensome rule that could force insurers in the competitive homeowners marketplace to defend virtually any underwriting metric from litigation if it is found to have a negative effect on a protected class. The rule does not consider that discrimination was not intended and that insurers do not collect demographic information that would enable them to know if a disparate impact has occurred. NAMIC has challenged the rule, but if it is allowed to stand insurers will have to adjust rates to meet this added risk of litigation.

Posted: Thursday, July 05, 2012 1:44:56 PM. Modified: Friday, May 15, 2015 2:22:45 PM.

317.875.5250 - Indianapolis  |  202.628.1558 - Washington, D.C.

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