DAR File No. 37600

This notice was published in the June 1, 2013, issue (Vol. 2013, No. 11) of the Utah State Bulletin.

Insurance, Administration

Rule R590-219

Credit Scoring

Five-Year Notice of Review and Statement of Continuation

DAR File No.: 37600
Filed: 05/07/2013 10:07:30 AM


Concise explanation of the particular statutory provisions under which the rule is enacted and how these provisions authorize or require the rule:

Subsection 31A-2-201(3)(a) authorizes the commissioner to make rules to implement the provisions of Title 31A. Subsection 31A-22-320(3) authorizes the commissioner to write rules to regulate the use of credit information. The rule sets minimum standards for property and casualty insurers doing private passenger automobile business in Utah that use credit history or an insurance score as part of their underwriting criteria or rating plans.

Summary of written comments received during and since the last five-year review of the rule from interested persons supporting or opposing the rule:

The department has received no written comments regarding this rule within the past five years.

Reasoned justification for continuation of the rule, including reasons why the agency disagrees with comments in opposition to the rule, if any:

This rule is needed to regulate automobile insurance companies in the way they use an insured's credit score. One of the main reasons for this rule and the law was to disallow insurers from using a credit score as the sole reason to cancel an insured. The law and rule require there to be risk-related factors before increasing an insured's premium or canceling them. Since the creation of this law and rule, the department has received fewer and fewer complaints related to misuse of credit scores. Therefore, this rule should be continued.

The full text of this rule may be inspected, during regular business hours, at the Division of Administrative Rules, or at:

SALT LAKE CITY, UT 84114-1201

Direct questions regarding this rule to:

  • Jilene Whitby at the above address, by phone at 801-538-3803, by FAX at 801-538-3829, or by Internet E-mail at jwhitby@utah.gov

Authorized by:

Todd Kiser, Commissioner



Additional Information

The Portable Document Format (PDF) version of the Bulletin is the official version. The PDF version of this issue is available at https://rules.utah.gov/publicat/bull-pdf/2013/b20130601.pdf. The HTML edition of the Bulletin is a convenience copy. Any discrepancy between the PDF version and HTML version is resolved in favor of the PDF version.

For questions regarding the content or application of this rule, please contact Jilene Whitby at the above address, by phone at 801-538-3803, by FAX at 801-538-3829, or by Internet E-mail at jwhitby@utah.gov.