Judge finds Washington commissioner exceeded authority on credit score ban

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Thurston County Superior Court Judge Indu Thomas found that Washington Insurance Commissioner Mike Kreidler’s rule temporarily banning credit scoring followed the Administrative Procedures Act, but he overstepped his rule. legal authority.

In his ruling, Thomas said the record provided by the Office of the Insurance Commissioner contained credible information that the use of credit scores is discriminatory.

“Today’s decision confirms that the best place to permanently address this issue is in the Legislative Assembly,” Kreidler said in a statement. “I hope lawmakers will listen to all policyholders affected by this practice and not just the insurance industry.”

Washington Insurance Commissioner Mike Kreidler

Kreidler said he will consult with the agency’s legal representation in the attorney general’s office on appropriate next steps.

Currently, there has been a reprieve from the credit score rule. Today’s decision leaves the suspension in place.

The ban has been challenged by several groups of insurers, including the National Association of Mutual Insurance Companies.

Erin Collins, NAMIC Senior Vice President, State Affairs and Policy, released the following statement from the group:

“Today’s decision is a victory for Washington consumers, especially seniors, who will be able to continue to pay lower insurance rates that more accurately reflect their risk. NAMIC is grateful to the court for recognizing that public insurance law should be decided by the people through the legislature. We hope that the judge’s decision will settle this matter and that Washington’s insurance companies can get back to serving their policyholders.

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Washington Legislation

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