Citizen in a RepublicNH Bill Briefing
← All bills

HB 1582 · 2026 · House · Commerce and Consumer Affairs Committee

Ban on insurer credit-based underwriting

AI-generated

prohibiting the use of credit information in underwriting and rating personal automobile and homeowners insurance policies and prohibiting certain surveillance practices by insurers.

Prohibits the use of credit information in underwriting and rating personal automobile and homeowners insurance policies and prohibits insurers from using drones, satellites, and other surveillance practices.AI-generated

Status

Killed in the House — Inexpedient to Legislate · March 11, 2026
  1. ✓Introduced
  2. ✕House
  3. Senate
  4. Governor
  5. Law

Analysis

This bill prohibits the use of credit information in underwriting and rating personal automobile and homeowners insurance policies. The bill also prohibits the use of drones, satellites, and other surveillance practices by insurers.

From the bill's official ANALYSIS section.

In the bill's words

Quoted verbatim from the bill as introduced. Passages chosen from the operative text.Computed by this site

“Notwithstanding any other provision of law, no insurer or insurance producer may use an applicant's or insured's credit history, credit score, or any consumer report or information derived from a consumer report as a factor in underwriting, rating, renewing, cancelling, or declining to issue a policy of personal automobile insurance or homeowners insurance.”
RSA 412:15-a
“No insurer or insurance producer shall use any unmanned aerial vehicle or drone to conduct surveillance, inspection, or observation of private property for the purpose of underwriting, rating, renewing, cancelling, or declining to issue a policy of homeowners insurance without the express written permission of the property owner.”
RSA 417:4-a
“No insurer or insurance producer shall use any satellite imagery, aerial photography, or other commercial observation or surveillance products, including but not limited to Google Earth or similar services, as a basis to increase premiums, cancel, or decline to renew a policy of homeowners insurance.”
RSA 417:4-b
“"Credit history" or "credit score" means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's creditworthiness, credit standing, or credit capacity that is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for insurance.”
RSA 412:15-a

Official record

Bill page — docket & status

gc.nh.gov · the authoritative source

Sponsors

Rep. Terry RoyRPrimeChair· Criminal Justice and Public Safety

Public testimony

12 signed in online · 2 wrote testimony

75% support25% oppose0% neutral

In their wordsVerbatim, exactly as submitted

“No one should be forced to have a subscription on a product they purchased not even a car”
— Lisa Ayer, Manchestersupports
“To: Members of the House Commerce and Consumer Affairs Committee From: Jon Kelly, Concord, NH Re: YES to HB1582 I am concerned about our continuing loss of privacy in America.…”
— Jon Kelly, Concordsupports

Verbatim excerpts of submitted testimony, quoted from the testimony tool.

Read the testimony · as of Aug 12, 2026

Votes

yeanay
Starting text: Bill as introduced
  • Mar 3, 2026HouseCommittee report· consent calendar: Inexpedient to Legislate13–0
    Overall
    100% yea
  • Mar 11, 2026HouseVoice voteInexpedient to Legislateadopted

Hearings and debates

  • Jan 28, 2026Public hearingHouse Commerce and Consumer Affairs5:37:40–5:38:481m 8slocated in the stream transcriptPublic Hearing
  • Feb 18, 2026Public hearingHouse Commerce and Consumer AffairsWatchnot located in the transcript — opens the full streamFull Committee Work Session
  • Mar 3, 2026Public hearingHouse Commerce and Consumer AffairsWatchnot located in the transcript — opens the full streamCommittee Report: Inexpedient to Legislate; Executive Session
  • Mar 11, 2026Floor debateHouse floorWatchnot located in the transcript — opens the full streamInexpedient to Legislate — adopted, voice vote

Timestamps locate where this bill is taken up in the chamber's YouTube stream.

Legislative history

  1. Jan 7, 2026HouseIntroduced 01/07/2026 and referred to Commerce and Consumer Affairs HJ 1 P. 26
  2. Jan 28, 2026HousePublic Hearing: 01/28/2026 02:00 pm GP 229
  3. Feb 18, 2026HouseFull Committee Work Session: 02/18/2026 02:00 pm GP 229
  4. Mar 3, 2026HouseExecutive Session: 03/03/2026 01:00 pm GP 229
  5. Mar 3, 2026House: Inexpedient to Legislate 03/03/2026 (Vote 13-0; CC) HC 10 P. 8
  6. Mar 11, 2026HouseInexpedient to Legislate: MA VV 03/11/2026 HJ 7 P. 12

Coverage

No reporting linked yet.

Documents (PDF)

Bill text & amendments link direct to gc.nh.gov; committee reports stream from the state record.