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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.

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

Hearings

  • 2026-01-2810:00 amHouse Commerce and Consumer AffairsGP 229Public hearing
  • 2026-02-182:00 pmHouse Commerce and Consumer AffairsGP 229Public hearing
  • 2026-03-031:00 pmHouse Commerce and Consumer AffairsGP 229Public hearing

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.