# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 15 — Unfair Trade Practices

### Chapter 11 — Use of Credit History in Underwriting and Rate Making

#### Regulation .02 Scope.

*COMAR 31.15.11.02*

A. In General. This chapter applies to insurers that sell or offer to sell homeowner's insurance or private passenger motor vehicle insurance.

B. Insurance Transaction Not Initiated by a Consumer.

  (1) This chapter does not apply to the use of a credit report or a credit score derived from a credit report, by an insurer in an insurance transaction that:

    (a) Is not initiated by a consumer; and

    (b) Consists of a firm offer of insurance.

  (2) If an insurer refuses to underwrite after a consumer submits an application in response to a firm offer of insurance made in accordance with §B(1) of this regulation, the refusal to underwrite:

    (a) Is not part of a transaction that is not initiated by a consumer; and

    (b) Is subject to this chapter and any provisions of the Annotated Code of Maryland that are applicable to underwriting, including Insurance Article, §27-501, Annotated Code of Maryland.

C. Accuracy or Completeness of Information in Credit Report. This chapter does not apply to a dispute regarding the accuracy or completeness of information in a credit report.