North Carolina legislation · 2025-2026 Session
North Carolina S979: Increase Insurance Rate Transparency.
Status: Introduced, May 5, 2026
What the bill says
An act modifying the consent and notification requirements for insurance rate deviations, prohibiting the use of credit scoring to rate noncommercial private passenger motor vehicle and residential property insurance, directing the department of insurance to study the gradual reduction of consent to rate deviations by insurers, directing the department of insurance to conduct a public awareness campaign on consent to rate deviations, and appropriating funds to the department of insurance.
From the introduced text:
A BILL TO BE ENTITLED AN ACT MODIFYING THE CONSENT AND NOTIFICATION REQUIREMENTS FOR INSURANCE RATE DEVIATIONS, PROHIBITING THE USE OF CREDIT SCORING TO RATE NONCOMMERCIAL PRIVATE PASSENGER MOTOR VEHICLE AND RESIDENTIAL PROPERTY INSURANCE, DIRECTING THE DEPARTMENT OF INSURANCE TO STUDY THE GRADUAL REDUCTION OF CONSENT TO RATE DEVIATIONS BY INSURERS, DIRECTING THE DEPARTMENT OF INSURANCE TO CONDUCT A PUBLIC AWARENESS CAMPAIGN ON CONSENT TO RATE DEVIATIONS, AND APPROPRIATING FUNDS TO THE DEPARTMENT OF INSURANCE. The General Assembly of North Carolina enacts: SECTION 1. G.S. 58-36-30 reads as rewritten: "§ 58-36-30. Deviations. ... (b1) This subsection applies only to insurance against loss to residential property with not more than four housing units. A rate in excess of that promulgated by the Bureau may be charged by an insurer on any specific risk if the higher rate is charged in accordance with rules adopted by the Commissioner. An insurer shall give notice to the insured that the rates used to calculate the premium for the policy are greater than those rates that are applicable in the State of North Carolina. by including the following language in the policy on page one of the declarations page or on a separate page before the declarations page, in at least 14 point type or in a font size larger than the remainder of the …
Sponsors
- Murdock, Natalie S. (D, 20) · primary sponsor
- Smith, Kandie D. (D, 5)
Latest actions
- : Re-ref Com On Appropriations/Base Budget
- : Withdrawn From Com
- : Ref To Com On Rules and Operations of the Senate
- : Passed 1st Reading
- : Filed
Subjects: PROPERTY, CONSUMER PROTECTION, BUDGETING, COMMERCE, INSURANCE, PROPERTY, HEALTH SERVICES, INSURANCE, REAL ESTATE
Common questions
- What is S979?
- S979 is a bill in the North Carolina Legislature (2025-2026 Session): Increase Insurance Rate Transparency.
- What does S979 do?
- In its own words: An act modifying the consent and notification requirements for insurance rate deviations, prohibiting the use of credit scoring to rate noncommercial private passenger motor vehicle and residential property insurance, directing the department of insurance to study the gradual reduction of consent to rate deviations by insurers, directing the department of insurance to conduct a public awareness campaign on consent to rate deviations, and appropriating funds to the department of insurance.
- What is the status of S979?
- Introduced as of May 5, 2026. Latest action: Re-ref Com On Appropriations/Base Budget (May 5, 2026).
- Who sponsored S979?
- Murdock, Natalie S. (D, 20), with 1 co-sponsor.
- Where is the official record for S979?
- On the North Carolina Legislature website: https://www.ncleg.gov/BillLookUp/2025/S979
Source: official North Carolina record. Tracked by Delilah, AI for legislation across all 50 states and Congress.