An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for prohibited activities related to use of credit history of insured.

HB 657 prohibits Pennsylvania insurers from using an individual's credit history to deny coverage, increase premiums, cancel policies, or refuse renewals for personal insurance (like home or auto insurance) or life insurance. It directly affects consumers seeking insurance and insurers or insurance producers who previously used credit history for pricing decisions. The law requires the state Insurance Department to enforce these rules through fines (up to $5,000 per violation), license suspensions, or cease-and-desist orders for violations. The bill defines "credit history" broadly as any credit report used to determine insurance costs or eligibility.