HB 81 North Carolina House · 2025-2026 Session

Restrict Use of Vehicle Telematics.

House Bill 81 requires insurance institutions and agents to obtain written consent from applicants and policyholders before collecting, receiving, selling, or using vehicle telematics data. The bill mandates that individuals be notified how their telematics data will be used and that they can revoke consent at any time. Insurers must provide a reasonable means for individuals to revoke consent, which must be actioned within 24 hours. A violation of these provisions would be considered an unfair trade practice, with the act becoming effective October 1, 2025.

Issues: ✓ Technology

Bill status died 1 of 4 stages cleared

Introduction

Feb 2025

Committee Review

Floor Vote

Governor

Introduced Feb 10, 2025 Last action May 7, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

Edition 1 → Edition 2 · 5 edits

MODERATE

This bill was amended to expand its scope from just telematics data to broader vehicle telematics usage, add comprehensive definitions for key terms, and include new provisions about adverse underwriting decisions. The changes clarify what constitutes adverse underwriting decisions and provide exemptions for certain situations, while maintaining the core requirement of notice and consent before telematics data collection.

Scope change

The bill's scope was expanded from specifically addressing 'telematics data' to more broadly covering 'vehicle telematics', and new definitions were added to clarify key terms used throughout the legislation.

REQUIREMENT

Changed the title and section heading from 'Use of telematics data' to 'Use of vehicle telematics' to broaden the language and scope of the regulation.

Added detailed provisions defining adverse underwriting decisions, including specific examples like declination, termination, or higher rates, with exemptions for certain class-wide decisions.

Modified consent revocation language to clarify that any applicant or policyholder providing consent may revoke it, with the same 24-hour processing requirement.

DEFINITION

Added comprehensive definitions for key terms including 'Adverse underwriting decision', 'Affiliate', 'Agent', 'Applicant', 'Consumer report', 'Consumer reporting agency', 'Control', 'Declination of insurance coverage', and 'Individual'.

TECHNICAL

Removed original sponsor and referral information sections, likely due to committee substitution during the legislative process.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 7, 2025

Committee

Re-ref Com On Rules, Calendar, and Operations of the House

lower

May 1, 2025

Lower · Passed

Reptd Fav

lower

Apr 17, 2025

Committee

Re-ref Com On Rules, Calendar, and Operations of the House

lower

Apr 9, 2025

Committee

Re-ref Com On Finance

lower

Apr 9, 2025

Lower · Passed

Reptd Fav

lower

Mar 20, 2025

Committee

Re-ref Com On Transportation

lower

Mar 20, 2025

Lower · Passed

Reptd Fav Com Substitute

lower

Feb 11, 2025

Committee

Serial Referral To Rules, Calendar, and Operations of the House Added

lower

Feb 11, 2025

Committee

Serial Referral To Finance Added

lower

Feb 11, 2025

Committee

Serial Referral To Rules, Calendar, and Operations of the House Stricken

lower

Feb 11, 2025

Committee

Ref to the Com on Insurance, if favorable, Transportation, if favorable, Rules, Calendar, and Operations of the House

lower

Feb 10, 2025

Introduced

Filed

lower

3 primary · 20 co-sponsors