Lowering CAR Insurance Act

Susie Lee

Democrat · NV · Representative

Source: Congress.gov · FEC

No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

Referred to the House Committee on Financial Services.

2026-07-23

Source: Congress.gov

The federal government would require its insurance office to study and report annually on the auto insurance industry, examining issues like pricing, coverage availability, and market trends, then share these findings with the President and Congress. This would give lawmakers better information about how the auto insurance market is working and whether consumers are being treated fairly. The report would help identify potential problems in the industry that might need federal attention or regulation.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 9916 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 9916 To require the Director of the Federal Insurance Office to submit an annual report to the President and certain congressional committees with respect to the automobile insurance industry, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 23, 2026 Ms. Lee of Nevada introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require the Director of the Federal Insurance Office to submit an annual report to the President and certain congressional committees with respect to the automobile insurance industry, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Costs and Auto Rates for Insurance Act'' or the ``Lowering CAR Insurance Act''. SEC. 2. ANNUAL REPORT WITH RESPECT TO THE AUTOMOBILE INSURANCE INDUSTRY. (a) In General.--Section 313(n) of title 31, United States Code, is amended by adding at the end the following: ``(3) Automobile insurance.--The Director shall submit a report on or before September 30 of each calender year to the President and to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate on the automobile insurance industry that contains-- ``(A) legislative recommendations with respect to lowering the cost of automobile insurance; and ``(B) any other information with respect to the automobile insurance industry as deemed relevant by the Director or requested by such Committees.''. (b) Effective Date.--The amendment made by this section shall take effect on the date that is 90 days after the date of the enactment of this section. <all>

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