Fabio
114 lines
7.1 KiB
Markdown
114 lines
7.1 KiB
Markdown
---
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type: "Bill"
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title: "Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report."
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description: "Motor vehicle insurance; use of certain factors to establish rates prohibited. Prohibits an insurer from refusing to insure, refusing to continue to insure, or limiting the amount or extent of motor vehicle insurance coverage, or charge an individual a different rate for the same motor vehicle insurance coverage, solely because of such individual's consumer credit information or credit-based insurance score. The bill also directs the State Corporation Commission's Bureau of Insurance to study the use by insurers of an insured's or applicant's consumer credit information or credit-based insurance score in connection with underwriting motor vehicle insurance polices and to submit a report of its findings and recommendations by October 1, 2027."
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jurisdiction: "us/states/va"
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legislature: "Virginia General Assembly"
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session: "2026"
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identifier: "SB 693"
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citation: "Virginia SB 693 (2026)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Emily M. Jordan"]
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version_count: 6
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action_count: 41
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vote_count: 11
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first_action: "2026-01-14"
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last_action: "2026-04-13"
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source: "openstates"
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source_identifier: "ocd-bill/7dd991d9-1fe4-4e23-b973-7a9918967f71"
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source_url: "https://lis.virginia.gov/bill-details/20261/SB693"
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source_hash: "d1a908eeaf87a4eb4dca51215f28416557289a96f18f700c038a1aa89fb19373"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-va"]
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---
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# Virginia SB 693 (2026) — Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report.
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Motor vehicle insurance; use of certain factors to establish rates prohibited. Prohibits an insurer from refusing to insure, refusing to continue to insure, or limiting the amount or extent of motor vehicle insurance coverage, or charge an individual a different rate for the same motor vehicle insurance coverage, solely because of such individual's consumer credit information or credit-based insurance score. The bill also directs the State Corporation Commission's Bureau of Insurance to study the use by insurers of an insured's or applicant's consumer credit information or credit-based insurance score in connection with underwriting motor vehicle insurance polices and to submit a report of its findings and recommendations by October 1, 2027.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Introduced** (filed) — [source](https://lis.blob.core.windows.net/files/1091972.PDF)
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2. **Commerce and Labor Substitute** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1097441.PDF)
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3. **House Amendments** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1190876.HTML)
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4. **Labor and Commerce Amendment** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1185536.HTML)
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5. **Subcommittee #1 Subcommittee Amendment** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1179356.HTML)
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6. **Enrolled** (enrolled) — [source](https://lis.blob.core.windows.net/files/1201644.PDF)
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## Votes
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- Tabled in Labor and Commerce — **14–6** (pass) · lower
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- Concur House Amendments R — **39–0** (pass) · upper
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- Passage R — **33–2** (pass) · upper
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- Reconsider R — **37–0** (pass) · upper
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- Reported from Labor and Commerce with amendment(s) — **19–2** (pass) · lower
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- Subcommittee recommends reporting with amendment(s) — **7–1** (pass) · lower
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- Reconsidered by Labor and Commerce — **18–2** (pass) · lower
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- Passage R — **36–1** (pass) · upper
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- H VOTE: — **91–7** (pass) · lower
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- Constitutional reading dispensed R — **40–0** (pass) · upper
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- Reported from Commerce and Labor with substitute — **11–2** (pass) · upper
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## Sponsors
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- Emily M. Jordan — primary (person)
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- Angelia Williams Graves — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2026-01-14** Prefiled and ordered printed; Offered 01-14-2026 26105327D `filing, introduction`
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- **2026-01-14** Referred to Committee on Commerce and Labor `referral-committee`
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- **2026-01-26** Senate committee offered
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- **2026-01-26** Senate committee offered
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- **2026-01-26** Reported from Commerce and Labor with substitute (11-Y 2-N 2-A) `committee-passage`
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- **2026-01-27** Committee substitute printed 26106231D-S1 `substitution`
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- **2026-01-28** Rules suspended
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- **2026-01-28** Constitutional reading dispensed Block Vote (on 1st reading) (40-Y 0-N 0-A)
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- **2026-01-28** Passed by for the day Block Vote (Voice Vote)
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- **2026-01-28** Passed by for the day
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- **2026-01-29** Read second time `reading-2`
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- **2026-01-29** Commerce and Labor Substitute agreed to
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- **2026-01-29** Engrossed by Senate (Voice Vote)
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- **2026-01-29** Engrossed by Senate - committee substitute `substitution`
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- **2026-01-30** Read third time and passed Senate (33-Y 2-N 1-A) `passage, reading-3`
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- **2026-01-30** Reconsideration of passage agreed to by Senate (33-Y 2-N 1-A)
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- **2026-01-30** Read third time and passed Senate (36-Y 1-N 1-A) `passage, reading-3`
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- **2026-02-04** Placed on Calendar
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- **2026-02-04** Read first time `reading-1`
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- **2026-02-04** Referred to Committee on Labor and Commerce `referral-committee`
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- **2026-02-19** Fiscal Impact Statement from State Corporation Commission (SB693)
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- **2026-02-19** Tabled in Labor and Commerce (14-Y 6-N) `deferral`
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- **2026-02-24** Removed from the Table by Labor and Commerce (18-Y 2-N)
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- **2026-02-24** Assigned HCL sub: Subcommittee #1 `referral-committee`
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- **2026-02-24** House subcommittee offered
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- **2026-02-24** Subcommittee recommends reporting with amendment(s) (7-Y 1-N)
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- **2026-02-26** Reported from Labor and Commerce with amendment(s) (19-Y 2-N) `committee-passage`
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- **2026-03-02** Read second time `reading-2`
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- **2026-03-03** Read third time `reading-3`
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- **2026-03-03** committee amendments agreed to `amendment-passage`
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- **2026-03-03** Engrossed by House as amended
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- **2026-03-03** Passed House with amendments (91-Y 7-N 0-A) `passage`
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- **2026-03-05** House Amendments agreed to by Senate (39-Y 0-N 0-A) `amendment-passage`
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- **2026-03-11** Enrolled `enrolled`
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- **2026-03-11** Bill text as passed Senate and House (SB693ER) `passage`
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- **2026-03-11** Signed by President `passage`
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- **2026-03-12** Signed by Speaker `passage`
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- **2026-03-14** Enrolled Bill communicated to Governor on March 14, 2026 `enrolled, executive-receipt`
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- **2026-03-14** Governor's Action Deadline 11:59 p.m., April 13, 2026 `executive-receipt`
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- **2026-04-06** Fiscal Impact Statement from State Corporation Commission (SB693)
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- **2026-04-13** Approved by Governor-Chapter 902 (effective 7/1/2026) `executive-signature`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/7dd991d9-1fe4-4e23-b973-7a9918967f71`. Confidence: reported (aggregated from official Virginia legislature records).
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