# Virginia SB693: Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report.

Virginia SB693, Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report., is a 2026 Regular Session Senate bill sponsored by Emily M. Jordan (Republican); status signed, last action 2026-04-13 (Acts of Assembly Chapter text (CHAP0902)); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/VA-SB693-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Virginia SB693
- State: Virginia
- Session: 2026 Regular Session
- Title: Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report.
- Status: signed
- Chamber: Senate
- Introduced: 2026-01-14
- Last action: 2026-04-13, Acts of Assembly Chapter text (CHAP0902)
- Sponsor: Emily M. Jordan (Republican)
- Cosponsors: 0
- Touches household money: yes
- Roll calls: 14 (345 yes, 23 no in all)
- Economic provisions PRIA read: 1

## Summary

Motor vehicle insurance; use of certain factors to establish rates prohibited. Prohibits an insurer from refusing to insure, refusing to continue to insure, or limiting the amount or extent of motor vehicle insurance coverage, or charge an individual a different rate for the same motor vehicle insurance coverage, solely because of such individual's consumer credit information or credit-based insurance score. The bill also directs the State Corporation Commission's Bureau of Insurance to study the use by insurers of an insured's or applicant's consumer credit information or credit-based insurance score in connection with underwriting motor vehicle insurance polices and to submit a report of its findings and recommendations by October 1, 2027.

## Bill overview: provisions PRIA read

- Drivers protected from credit-only auto insurance decisions: benefit, medium. Virginia auto insurers cannot deny, end, or limit coverage based only on your credit information. The same ban applies to credit-based insurance scores. Insurers also cannot charge different prices for the same coverage based only on either credit factor.

## Sponsors and cosponsors

- Sponsor: Emily M. Jordan (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-05 | Senate | House Amendments agreed to by Senate | pass | 39 | 0 |   |
| 2026-03-03 | House | Passed House with amendments | pass | 91 | 7 |   |
| 2026-02-26 | House | Reported from Labor and Commerce with amendment(s) | pass | 19 | 2 |   |
| 2026-02-24 | House | Removed from the Table by Labor and Commerce | pass | 18 | 2 |   |
| 2026-02-24 | House | Subcommittee recommends reporting with amendment(s) | pass | 7 | 1 |   |
| 2026-02-19 | House | Tabled in Labor and Commerce | pass | 14 | 6 |   |
| 2026-01-30 | Senate | Read third time and passed Senate | pass | 36 | 1 | 1 |
| 2026-01-30 | Senate | Read third time and passed Senate | pass | 33 | 2 | 1 |
| 2026-01-30 | Senate | Reconsideration of passage agreed to by Senate | pass | 37 | 0 |   |
| 2026-01-29 | Senate | Engrossed by Senate (Voice Vote) | pass | 0 | 0 |   |
| 2026-01-29 | Senate | Commerce and Labor Substitute agreed to | pass | 0 | 0 |   |
| 2026-01-28 | Senate | Passed by for the day Block Vote (Voice Vote) | pass | 0 | 0 |   |
| 2026-01-28 | Senate | Constitutional reading dispensed Block Vote (on 1st reading) | pass | 40 | 0 |   |
| 2026-01-26 | Senate | Reported from Commerce and Labor with substitute | pass | 11 | 2 | 2 |

## Actions (42)

- 2026-04-13: Acts of Assembly Chapter text (CHAP0902) (Governor)
- 2026-04-13: Approved by Governor-Chapter 902 (effective 7/1/2026) (Governor)
- 2026-04-06: Fiscal Impact Statement from State Corporation Commission (SB693) (Senate)
- 2026-03-14: Governor's Action Deadline 11:59 p.m., April 13, 2026 (Governor)
- 2026-03-14: Enrolled Bill communicated to Governor on March 14, 2026 (Senate)
- 2026-03-12: Signed by Speaker (House)
- 2026-03-11: Bill text as passed Senate and House (SB693ER) (Senate)
- 2026-03-11: Enrolled (Senate)
- 2026-03-11: Signed by President (Senate)
- 2026-03-05: House Amendments agreed to by Senate (39-Y 0-N 0-A) (Senate)
- 2026-03-03: Passed House with amendments (91-Y 7-N 0-A) (House)
- 2026-03-03: Engrossed by House as amended (House)
- 2026-03-03: committee amendments agreed to (House)
- 2026-03-03: Read third time (House)
- 2026-03-02: Read second time (House)
- 2026-02-26: Reported from Labor and Commerce with amendment(s) (19-Y 2-N) (House)
- 2026-02-24: House subcommittee offered (House)
- 2026-02-24: Subcommittee recommends reporting with amendment(s) (7-Y 1-N) (House)
- 2026-02-24: Removed from the Table by Labor and Commerce (18-Y 2-N) (House)
- 2026-02-24: Assigned HCL sub: Subcommittee #1 (House)
- 2026-02-19: Tabled in Labor and Commerce (14-Y 6-N) (House)
- 2026-02-19: Fiscal Impact Statement from State Corporation Commission (SB693) (Senate)
- 2026-02-04: Referred to Committee on Labor and Commerce (House)
- 2026-02-04: Read first time (House)
- 2026-02-04: Placed on Calendar (House)
- 2026-01-30: Read third time and passed Senate (36-Y 1-N 1-A) (Senate)
- 2026-01-30: Reconsideration of passage agreed to by Senate (33-Y 2-N 1-A) (Senate)
- 2026-01-30: Read third time and passed Senate (33-Y 2-N 1-A) (Senate)
- 2026-01-29: Engrossed by Senate (Voice Vote) (Senate)
- 2026-01-29: Commerce and Labor Substitute agreed to (Senate)
- 2026-01-29: Engrossed by Senate - committee substitute (Senate)
- 2026-01-29: Read second time (Senate)
- 2026-01-28: Passed by for the day Block Vote (Voice Vote) (Senate)
- 2026-01-28: Constitutional reading dispensed Block Vote (on 1st reading) (40-Y 0-N 0-A) (Senate)
- 2026-01-28: Passed by for the day (Senate)
- 2026-01-28: Rules suspended (Senate)
- 2026-01-27: Committee substitute printed 26106231D-S1 (Senate)
- 2026-01-26: Senate committee offered (Senate)
- 2026-01-26: Senate committee offered (Senate)
- 2026-01-26: Reported from Commerce and Labor with substitute (11-Y 2-N 2-A) (Senate)
- 2026-01-14: Referred to Committee on Commerce and Labor (Senate)
- 2026-01-14: Prefiled and ordered printed; Offered 01-14-2026 26105327D (Senate)

## Bill text

- Chaptered, 2026-04-13: [HTML](https://lis.blob.core.windows.net/files/1223160.HTML), [PDF](https://lis.blob.core.windows.net/files/1223159.PDF)
- Enrolled, 2026-03-11: [HTML](https://lis.blob.core.windows.net/files/1201645.HTML), [PDF](https://lis.blob.core.windows.net/files/1201644.PDF)
- Amendment, 2026-03-03: [HTML](https://lis.blob.core.windows.net/files/1190876.HTML)
- Amendment, 2026-02-27: [HTML](https://lis.blob.core.windows.net/files/1185536.HTML)
- Amendment, 2026-02-25: [HTML](https://lis.blob.core.windows.net/files/1179356.HTML)
- Amendment, 2026-02-24: [HTML](https://lis.blob.core.windows.net/files/1179048.HTML)
- Substitute, 2026-01-27: [HTML](https://lis.blob.core.windows.net/files/1097442.HTML), [PDF](https://lis.blob.core.windows.net/files/1097441.PDF)
- Substitute, 2026-01-26: [HTML](https://lis.blob.core.windows.net/files/1096770.HTML), [PDF](https://lis.blob.core.windows.net/files/1096769.PDF)
- Introduced, 2026-01-14: [HTML](https://lis.blob.core.windows.net/files/1091973.HTML), [PDF](https://lis.blob.core.windows.net/files/1091972.PDF)

## Related bills

- HB5: Employment; paid sick leave, civil penalties. (signed)
- SB199: Employment; paid sick leave, civil penalties. (signed)
- HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with rental agreement. (signed)
- HB1393: Electric utilities; pilot program for energy assistance and weatherization for certain individuals. (signed)
- HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, termination by landlord. (signed)
- HB675: Protection of employees; coercion or threat based on immigration status, civil penalty. (signed)

## Sources
- [Chaptered (HTML)](https://lis.blob.core.windows.net/files/1223160.HTML)
- [Chaptered (PDF)](https://lis.blob.core.windows.net/files/1223159.PDF)
- [Enrolled (HTML)](https://lis.blob.core.windows.net/files/1201645.HTML)
- [Enrolled (PDF)](https://lis.blob.core.windows.net/files/1201644.PDF)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1190876.HTML)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1185536.HTML)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1179356.HTML)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1179048.HTML)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1097442.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1097441.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1096770.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1096769.PDF)
- [Introduced (HTML)](https://lis.blob.core.windows.net/files/1091973.HTML)
- [Introduced (PDF)](https://lis.blob.core.windows.net/files/1091972.PDF)

## Related
- [HB5: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-HB5-2026)
- [SB199: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-SB199-2026)
- [HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with…](https://policyrisk.com/state-bill/VA-HB95-2026)
- [HB1393: Electric utilities; pilot program for energy assistance and weatherization for…](https://policyrisk.com/state-bill/VA-HB1393-2026)
- [HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, terminat…](https://policyrisk.com/state-bill/VA-HB834-2026)
- [HB675: Protection of employees; coercion or threat based on immigration status, civil…](https://policyrisk.com/state-bill/VA-HB675-2026)
- [Virginia bills](https://policyrisk.com/states/virginia/bills)
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Source: PRIA, https://policyrisk.com/state-bill/VA-SB693-2026 (as of 2026-10-12).