# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 15 — Unfair Trade Practices

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

#### Regulation .04 Homeowner's Insurance — Prohibition on Use of Credit History.

*COMAR 31.15.11.04*

With respect to homeowner's insurance, an insurer may not:

A. Refuse to underwrite, cancel, or refuse to renew a risk based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history;

B. Rate a risk based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history, in any manner, including:

  (1) Providing or removing a discount or imposing or removing a surcharge;

  (2) Assigning the insured or applicant to a tier; or

  (3) Placing an applicant or insured with an affiliated insurer; or

C. Require a particular payment plan based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history.