# 119-hr-3664: PAID Act

119-hr-3664, PAID Act, is a 119th Congress bill sponsored by Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3664
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3664
- Congress: 119
- Title: PAID Act
- Status: introduced
- Introduced: 2025-05-29
- Sponsor: Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Ban on discriminatory proxies in auto insurance pricing.** This bill would prohibit private passenger auto insurers and their affiliates from using income proxies and many demographic or location-based factors when deciding eligibility or rates, while requiring transparency and reporting to the Federal Trade Commission. - Drivers and families: Consumers could not be charged differently or denied discounts or coverage based on factors like gender, education, occupation, home ownership, ZIP Code, census tract, credit score, prior insurer, or prior purchases from that insurer. - Insurers and models: Insurers and affiliates would have to submit information to the FTC not later than 1 year after enactment and then every 2 years showing their marketing, underwriting, rating, claims handling, and any algorithms do not disparately impact protected groups. All underwriting rules and rate filings must be publicly available and may not be treated as trade secrets. - Enforcement and remedies: The FTC would enforce violations as unfair or deceptive acts with civil penalties of at least $2,500 per violation. Consumers could sue for willful or negligent violations and states could bring parens patriae actions on behalf of residents.

## Cosponsors (2)

- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-05-29T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2025-05-29T00:00:00.000Z

## Provisions PRIA read

- No car insurance rates by credit or ZIP: benefit, medium. This bill would bar auto insurers and their affiliates from using gender, education, job, employment status, home ownership, ZIP Code or nearby ZIPs, census tract, marital status, credit score, credit-based insurance score, consumer report, previous insurer, or prior purchase from that insurer to s…
- You could sue your car insurer: benefit, medium. If enacted, you could sue for willful or negligent violations. For willful violations, you could get actual damages, possible punitive damages, and your reasonable legal fees. For negligent violations, you could get actual damages and your reasonable legal fees. You must file by the earlier of 2 ye…
- Public rules and anti-bias checks for insurers: benefit, medium. Insurers would need to report to the FTC within 1 year, and then every 2 years, to show their marketing, underwriting, rating, claims, and fraud tools do not harm protected groups. All underwriting rules and rate filings would have to be public and could not be treated as trade secrets. These trans…
- Stronger FTC and state enforcement on insurers: benefit, medium. Violations would be treated as unfair or deceptive acts under the FTC Act, with FTC enforcement and at least $2,500 per violation in civil penalties. The FTC could issue rules to carry this out. State attorneys general could sue on behalf of residents, with notice to the FTC, and the FTC could join…

## Related bills

- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-3069: Medicare for All Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hres-1058: Recognizing that it is the duty of the Federal Government to develop and implement a Transgender Bill of Rights to protect and codify the rights of transgender…

## Sources
- [119-hr-3664 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3664)

## Related
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-3069: Medicare for All Act](https://policyrisk.com/legislation/119-hr-3069)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hres-1058: Recognizing that it is the duty of the Federal Government to develop and implem…](https://policyrisk.com/legislation/119-hres-1058)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3664 (as of 2026-04-21).