Insurance Claims Privacy Protection Act
Latest action (31 Jul 1996): Introduced
What this bill does
The Insurance Claims Privacy Protection Act would restrict how property and casualty insurers, "crime bureaus," and "insurance claims data support organizations" may share individuals' insurance claims information with law enforcement agencies. Insurers and crime bureaus could disclose claim information to law enforcement only to protect themselves against fraud or when they reasonably believe illegal activity occurred; data support organizations could disclose such information only to protect against fraud on themselves or in response to a subpoena or court order. The bill also requires separating the functions of crime bureaus (which may investigate specific suspected fraud) from data support organizations (which may maintain broad "all claims" databases), barring each from performing the other's role.
The bill would affect property and casualty insurers (e.g., auto, homeowners, workers' compensation), industry crime bureaus, data-sharing organizations, insurance claimants, and law enforcement agencies seeking claims data. States could adopt stricter privacy rules, or certify to the U.S. Attorney General that their own laws provide equivalent protections, in which case enforcement would occur under state law instead. Violations of the federal law could be enjoined in federal court by the Attorney General or private parties and could result in civil penalties of up to $10,000.
H.R. 3930 was introduced in the House on July 31, 1996, during the 104th Congress, and referred to the Committees on Commerce and the Judiciary. According to the Congressional Research Service, it did not receive a vote, and no further action was recorded before that Congress ended.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Official summary
Insurance Claims Privacy Protection Act - Specifies the circumstances in which disclosure of insurance claims information is allowed to law enforcement agencies by insurers and by nongovernmental crime bureaus (CBs) and insurance data support organizations (IDSOs). Regulates the activities in which CBs and IDSOs may engage. Provides for enforcement.
Common questions
- What does H.R. 3930 do?
- The Insurance Claims Privacy Protection Act would restrict how property and casualty insurers, "crime bureaus," and "insurance claims data support organizations" may share individuals' insurance claims information with law enforcement agencies. Insurers and crime bureaus could disclose claim information to law enforcement only to protect themselves against fraud or when they reasonably believe illegal activity occurred; data support organizations could disclose such information only to protect against fraud on themselves or in response to a subpoena or court order. The bill also requires separating the functions of crime bureaus (which may investigate specific suspected fraud) from data support organizations (which may maintain broad "all claims" databases), barring each from performing the other's role. The bill would affect property and casualty insurers (e.g., auto, homeowners, workers' compensation), industry crime bureaus, data-sharing organizations, insurance claimants, and law enforcement agencies seeking claims data. States could adopt stricter privacy rules, or certify to the U.S. Attorney General that their own laws provide equivalent protections, in which case enforcement would occur under state law instead. Violations of the federal law could be enjoined in federal court by the Attorney General or private parties and could result in civil penalties of up to $10,000. H.R. 3930 was introduced in the House on July 31, 1996, during the 104th Congress, and referred to the Committees on Commerce and the Judiciary. According to the Congressional Research Service, it did not receive a vote, and no further action was recorded before that Congress ended.
- Has H.R. 3930 become law?
- Not yet. As of 31 Jul 1996, H.R. 3930 is introduced.
- Who sponsored H.R. 3930?
- H.R. 3930 was sponsored by Rep. Edolphus “Ed” Towns [D-NY10, 1993-2012] (Democrat-NY), with 0 cosponsors.
- What's the latest action on H.R. 3930?
- Introduced (31 Jul 1996).
Related bills in Commerce
Critical Infrastructure Manufacturing Feasibility Act
Small Business Payment for Performance Act of 2025
Strategic Task Force on Scam Prevention Act
PACK Act
Bill100 mirrors the public U.S. legislative record from Congress.gov and GovTrack and adds plain-English AI summaries. It is an information tool, not legal, compliance or lobbying advice, and it is not affiliated with the U.S. Congress or any government agency. AI summaries can simplify or omit detail — every bill links to the official source; verify there before you rely on it.