Bill 130 explained in plain English
Homeowners Insurance Credit Scoring Ban Act, 2010
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 39th Parliament, 2nd Session. Representative vote breakdowns appear when the Assembly publishes an Ayes and Nays page for the bill.
Our plain-language take, written for civic education.
Source: By PoliticalData.ca
This bill bans insurers in Ontario from using a person's credit history or credit rating for homeowners, condominium, or tenant insurance.
Bill 130, the Homeowners Insurance Credit Scoring Ban Act, 2010, amends the Insurance Act. It prohibits insurance companies from using a person's credit history or credit rating when making decisions about homeowners, condominium, or tenant insurance. This means insurers cannot decline to issue, terminate, or refuse to renew these types of insurance contracts, or refuse to provide or continue coverage, based on a person's credit information. Additionally, insurers cannot use credit history or ratings to classify risks when setting rates for these types of insurance.
- Prohibits insurers from using a person's credit history or credit rating when deciding whether to issue, renew, or terminate homeowners, condominium, or tenant insurance contracts.
- Prohibits insurers from using a person's credit history or credit rating to classify risks when determining rates for homeowners, condominium, or tenant insurance.
- Defines "personal property insurance" to include homeowners insurance, condominium insurance, and tenant insurance.
- Amends the Insurance Act to include these prohibitions as unfair or deceptive acts or practices.
- Insurers that provide homeowners, condominium, or tenant insurance in Ontario.
- Individuals seeking or holding homeowners, condominium, or tenant insurance in Ontario.
- Insurers are prohibited from using credit history or credit ratings to decline, terminate, or refuse to renew contracts for homeowners, condominium, or tenant insurance.
- Insurers are prohibited from using credit history or credit ratings to refuse to provide or continue coverage for these insurance types.
- Insurers are prohibited from using credit history or credit ratings to classify risks when determining rates for these insurance types.
- The definition of 'personal property insurance' in the Insurance Act is expanded to include homeowners, condominium, and tenant insurance.
- The Act comes into force on the day it receives Royal Assent.
- The bill states that using credit history or ratings in the specified ways constitutes an "unfair or deceptive act or practice" under the Insurance Act, which may have associated penalties or regulatory actions under that Act, though specific penalties are not detailed in this bill text.
- The bill does not specify the exact penalties or consequences for insurers who violate these new provisions; it categorizes the prohibited actions as 'unfair or deceptive acts or practices' under the existing Insurance Act.
- The bill relies on regulations to define 'homeowners insurance', 'condominium insurance', and 'tenant insurance' for the purposes of its application, indicating that the Lieutenant Governor in Council may make further regulations to define these terms.
Amends section 438 to define 'personal property insurance' and adds a new section 439.1 which prohibits the use of credit history and ratings in homeowners, condominium, and tenant insurance.
Source: Section 1 and Section 2
Adds a definition for 'personal property insurance' to include homeowners, condominium, and tenant insurance.
Source: Section 1 (1)
Amends the definition of 'unfair or deceptive acts or practices' to include practices set out in section 439.1.
Source: Section 1 (2)
Adds a subsection that allows the Lieutenant Governor in Council to make regulations defining "homeowners insurance", "condominium insurance" and "tenant insurance" for the purposes of the definition of "personal property insurance".
Source: Section 1 (3)
Prohibits insurers from using a person's credit history or credit rating when issuing, renewing, or terminating homeowners, condominium, or tenant insurance contracts, or when classifying risks for rate determination.
Source: Section 2
Generated using AI from official bill text. Not legal advice. It is written by PoliticalData.ca for civic education, automatically checked and spot-reviewed before publishing.
Official textProcess Snapshot
Vote Summary
This bill is still active. We only show vote counts after the legislature publishes a recorded division.
No published representative vote breakdown
This bill is still moving through the process. When a recorded division is published, representative positions can be listed here.
Official sources
Status, sponsor, votes, and timeline on this page are drawn from these official legislative sources and public records. Each summary above is attributed to its own source.
How this data is sourced