Relating to the use of a consumer's credit score in the underwriting or rating of certain personal lines property and casualty insurance policies.

Added new requirements for insurers to provide written or electronic notice to consumers when adverse actions are taken based on credit score information, including specific details about the action, reasons, and consumer rights.

Added consumer rights to obtain a free copy of their credit report from the reporting agency within 60 days of receiving notice, to dispute information accuracy, and to request policy re-underwriting.

Modified Section 559.054(a) to clarify that credit report updates are required when they result in adverse effects on applicants or insureds.

Corrected formatting errors, removed placeholder text, and standardized section numbering and language throughout the bill text.