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From: Kelly Andrews <kelly.andrews@tessol-inc.com>
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Subject: Fwd: Kreidler acted in good faith, followed steps, but exceeds authority on credit score ban, court rules
Date: Fri, 29 Jul 2022 15:36:06 -0700
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To: craig Andrews <craig.andrews@tessol-inc.com>
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Sent from my iPhone

Begin forwarded message:

> From: WA OIC <insurance.wa@public.govdelivery.com>
> Date: July 29, 2022 at 2:29:05 PM PDT
> To: kelly.andrews@tessol-inc.com
> Subject: Kreidler acted in good faith, followed steps, but exceeds authori=
ty on credit score ban, court rules
> Reply-To: insurance.wa@public.govdelivery.com
>=20
> =EF=BB=BF
> Can=E2=80=99t see this email? View it online.
>=20
>=20
>  	 	=20
>  =09
> Kreidler acted in good faith, followed steps, but exceeds authority on cre=
dit score ban, court rules
>=20
> =20
>  =09
> Media contact: Public Affairs, (360) 725-7055
>=20
> July 29, 2022
>=20
> OLYMPIA, Wash. =E2=80=93 Thurston County Superior Court Judge Indu Thomas f=
ound that while Insurance Commissioner Mike Kreidler=E2=80=99s rule temporar=
ily banning credit scoring followed the Administrative Procedures Act and wa=
s not =E2=80=9Carbitrary and capricious=E2=80=9D as the insurance industry c=
ontended, it did exceed his statutory authority.=20
>=20
> =E2=80=9CClearly, today=E2=80=99s ruling is disappointing for Washington c=
onsumers,=E2=80=9D said Kreidler. =E2=80=9CI adopted the credit scoring rule=
 because I believed it was good public policy and would protect policyholder=
s financially impacted during the pandemic. Unfortunately, the court has rul=
ed otherwise, saying I acted in good faith, but misinterpreted our authority=
.=E2=80=9D
>=20
> In her ruling, the judge commented that the record supplied by the Office o=
f the Insurance Commissioner contained credible information that the use of c=
redit scores is discriminatory.=20
>=20
> 	=20
>  	 	=20
> =09
>  Questions? Contact us
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unications Cloud on behalf of: Washington State Office of the Insurance Comm=
issioner =C2=B7 PO Box 40255, Olympia WA 98504-0255=09

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<html><head><meta http-equiv=3D"content-type" content=3D"text/html; charset=3D=
utf-8"></head><body dir=3D"auto"><br><br><div dir=3D"ltr">Sent from my iPhon=
e</div><div dir=3D"ltr"><br>Begin forwarded message:<br><br></div><blockquot=
e type=3D"cite"><div dir=3D"ltr"><b>From:</b> WA OIC &lt;insurance.wa@public=
.govdelivery.com&gt;<br><b>Date:</b> July 29, 2022 at 2:29:05 PM PDT<br><b>T=
o:</b> kelly.andrews@tessol-inc.com<br><b>Subject:</b> <b>Kreidler acted in g=
ood faith, followed steps, but exceeds authority on credit score ban, court r=
ules</b><br><b>Reply-To:</b> insurance.wa@public.govdelivery.com<br><br></di=
v></blockquote><blockquote type=3D"cite"><div dir=3D"ltr">=EF=BB=BF


<title>    Kreidler acted in good faith, followed steps, but exceeds authori=
ty on credit score ban, court rules
</title>





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<h1 class=3D"page__title" style=3D"font-family: arial, helvetica, sans-serif=
; color: #373131; font-size: 19px; text-align: left;" align=3D"left">Kreidle=
r acted in good faith, followed steps, but exceeds authority on credit score=
 ban, court rules</h1>
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5-afbc-6b5fb012e173" id=3D"block-trinityplayer">
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pse: collapse; padding: 20px;">
<p class=3D"gd_p" style=3D"text-align: left; font-size: 15px; font-family: a=
rial, helvetica, sans-serif; margin-bottom: 1.0em; color: #373131;" align=3D=
"left"><em>Media contact: Public Affairs, (360) 725-7055</em></p>
<p style=3D"font-size: 15px; font-family: arial, helvetica, sans-serif; marg=
in-bottom: 1.0em; color: #373131; text-align: left;" align=3D"left">July 29,=
 2022</p>
<p style=3D"font-size: 15px; font-family: arial, helvetica, sans-serif; marg=
in-bottom: 1.0em; color: #373131; text-align: left;" align=3D"left">OLYMPIA,=
 Wash. =E2=80=93 Thurston County Superior Court Judge Indu Thomas found that=
 while Insurance Commissioner Mike Kreidler=E2=80=99s rule temporarily banni=
ng credit scoring followed the Administrative Procedures Act and was not =E2=
=80=9Carbitrary and capricious=E2=80=9D as the insurance industry contended,=
 it did exceed his statutory authority.&nbsp;</p>
<p style=3D"font-size: 15px; font-family: arial, helvetica, sans-serif; marg=
in-bottom: 1.0em; color: #373131; text-align: left;" align=3D"left">=E2=80=9C=
Clearly, today=E2=80=99s ruling is disappointing for Washington consumers,=E2=
=80=9D said Kreidler. =E2=80=9CI adopted the credit scoring rule because I b=
elieved it was good public policy and would protect policyholders financiall=
y impacted during the pandemic. Unfortunately, the court has ruled otherwise=
, saying I acted in good faith, but misinterpreted our authority.=E2=80=9D</=
p>
<p style=3D"font-size: 15px; font-family: arial, helvetica, sans-serif; marg=
in-bottom: 1.0em; color: #373131; text-align: left;" align=3D"left">In her r=
uling, the judge commented that the record supplied by the Office of the Ins=
urance Commissioner contained credible information that the use of credit sc=
ores is discriminatory.&nbsp;</p>
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