North Carolina 2025 Session Status: In Committee 2 D cosponsors

SB 979 — Increase Insurance Rate Transparency.

Last action — Withdrawn From Com

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced April 30, 2026. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Stalled 18% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 2 sponsors

    0 primary, 2 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (2 D).

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

22 added · 23 removed

Plain-language change summary

Senate Bill 979 has been updated to improve transparency in insurance rate setting. One key change is that insurers can no longer rely solely on credit scores to terminate or change an existing policy, which is important for protecting consumers from being unfairly penalized based on their credit history. Additionally, the bill emphasizes the requirement for insurers to provide consumers with access to important data about their policies, which can help individuals make more informed choices. These changes aim to make the insurance process fairer and clearer for residents.

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FILED SENATE GENERAL ASSEMBLY OF NORTH CAROLINA Apr 30, 2026 S.B.
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2025 S 1 SENATE BILL 979 Short Title:
979 SESSION 2025 PRINCIPAL CLERK S D SENATE BILL DRS15430-NEa-130B Short Title:Increase Insurance Rate Transparency.
Increase Insurance Rate Transparency.
A BILL TO BE ENTITLED AN ACT MODIFYING THE CONSENT AND NOTIFICATION REQUIREMENTS FOR INSURANCE RATE DEVIATIONS, PROHIBITING THE USE OF CREDIT SCORING TO RATE NONCOMMERCIAL PRIVATE PASSENGER MOTOR VEHICLE AND RESIDENTIAL PROPERTY INSURANCE, DIRECTING THE DEPARTMENT OF INSURANCE TO STUDY THE GRADUAL REDUCTION OF CONSENT TO RATE DEVIATIONS BY INSURERS, DIRECTING THE DEPARTMENT OF INSURANCE TO CONDUCT A PUBLIC AWARENESS CAMPAIGN ON CONSENT TO RATE DEVIATIONS, AND APPROPRIATING FUNDS TO THE DEPARTMENT OF INSURANCE.
Rules and Operations of the Senate May 4, 2026 A BILL TO BE ENTITLED AN ACT MODIFYING THE CONSENT AND NOTIFICATION REQUIREMENTS FOR INSURANCE RATE DEVIATIONS, PROHIBITING THE USE OF CREDIT SCORING TO RATE NONCOMMERCIAL PRIVATE PASSENGER MOTOR VEHICLE AND RESIDENTIAL PROPERTY INSURANCE, DIRECTING THE DEPARTMENT OF INSURANCE TO STUDY THE GRADUAL REDUCTION OF CONSENT TO RATE DEVIATIONS BY INSURERS, DIRECTING THE DEPARTMENT OF INSURANCE TO CONDUCT A PUBLIC AWARENESS CAMPAIGN ON CONSENT TO RATE DEVIATIONS, AND APPROPRIATING FUNDS TO THE DEPARTMENT OF INSURANCE.
A rate in excess of that promulgated by the Bureau may be charged by an insurer on any specific risk if the higher rate is charged in accordance with rules adopted by the Commissioner.
A rate in excess of that promulgated bythe Bureau maybe charged by an insurer on any specific risk if the higher rate is charged in accordance with rules adopted by the Commissioner.
(i) that the rates used to calculate the premium for the policy will be greater than those rates that are applicable in the State of North Carolina, (ii) what the premium based upon approved rates in *DRS15430-NEa-130B* General Assembly Of North Carolina Session 2025 North Carolina for residential property would be, (iii) what the insurer's premium for this coverage will be, (iv) of the specific justification for charging the greater rate, and (v) of any actions the insured could take to mitigate the insurer's justification for charging a higher rate.
(i) that the rates used to calculate the premium for the policy will be greater than those rates that are applicable in the State of North Carolina, (ii) what the premium based upon approved rates in *S979-v-1* General Assembly Of North Carolina Session 2025 North Carolina for residential property would be, (iii) what the insurer's premium for this coverage will be, (iv) of the specific justification for charging the greater rate, and (v) of any actions the insured could take to mitigate the insurer's justification for charging a higher rate.
Page 2 DRS15430-NEa-130B General Assembly Of North Carolina Session 2025 (16) The street addresses of all offices issuing or servicing policies.
Page 2 Senate Bill 979-First Edition General Assembly Of North Carolina Session 2025 (16) The street addresses of all offices issuing or servicing policies.
The categoriesofdata to be madeavailableforeachindividual recordshall include all of the same categories of information collected pursuant to subdivisions (1) through (13) of this subsection, as well as data related to modifying classifications if relevant as described in subdivision (17) of this subsection, DRS15430-NEa-130B Page 3 General Assembly Of North Carolina Session 2025 contained in the aggregate report and shall be presented in accordance with standardized classification codes to be established by the Commissioner.
The categories ofdata to be madeavailableforeachindividual recordshall include all of the same categories of information collected pursuant to subdivisions (1) through (13) of this subsection, as well as data related to modifying classifications if relevant as described in subdivision (17) of this subsection, Senate Bill 979-First Edition Page 3 General Assembly Of North Carolina Session 2025 contained in the aggregate report and shall be presented in accordance with standardized classification codes to be established by the Commissioner.
Anynonaggregateddata obtainedbytheCommissioner,including dataidentifyingindividual insurers or insureds, under this subsection is proprietary and confidential and is not a public record under G.S.
Anynonaggregateddata obtainedbytheCommissioner,includingdataidentifyingindividual insurers or insureds, under this subsection is proprietary and confidential and is not a public record under G.S.
(4) "Noncommercialprivatepassengermotorvehicle" meansa"privatepassenger motor vehicle," as defined by G.S.
(4) "Noncommercialprivatepassengermotorvehicle"meansa"privatepassenger motor vehicle," as defined by G.S.
It also includes mobilehomes, modularhomes, townhomes,condominiums, and insurance on contents of apartments and rental property used for residential purposes.
It also includes mobilehomes, modularhomes, townhomes, condominiums, and insurance on contents of apartments and rental property used for residential purposes.
– In the rating and underwriting of noncommercial private passenger motor vehicle and residential property insurance coverage, insurers shall not use credit scoring as the sole a basis for terminating an existing policy or any coverage in an existing policy or subjecting a policy to consent to rate as specified in G.S.
– In the rating and underwriting of noncommercial private passenger motor vehicle and residential propertyinsurance coverage, insurers shall not use credit scoring as the sole a basis for terminating an existing policyor any coverage in an existing policy or subjecting a policy to consent to rate as specified in G.S.
– If a credit report is used in conjunction with other criteria to take an adverse action, the insurer shall provide the applicant or policyholder with written notice of the Page 4 DRS15430-NEa-130B General Assembly Of North Carolina Session 2025 action taken, in a form approved by the Commissioner.
– If a credit report is used in conjunction with other criteria to take an adverse action, the insurer shall provide the applicant or policyholder with written notice of the Page 4 Senate Bill 979-First Edition General Assembly Of North Carolina Session 2025 action taken, in a form approved by the Commissioner.
(3) Thefact that the consumerhas theright to obtaina free copy oftheconsumer's credit report from the appropriate credit bureau.
(3) Thefact that the consumerhas theright to obtaina free copyoftheconsumer's credit report from the appropriate credit bureau.
A filer may request that its credit score data be considered a trade secret and may designate parts of its filings accordingly." SECTION 3.
A filer may request that its credit score data be considered a trade secret and maydesignate parts of its filings accordingly." SECTION 3.
DRS15430-NEa-130B Page 5 General Assembly Of North Carolina Session 2025 SECTION 5.
Senate Bill 979-First Edition Page 5 General Assembly Of North Carolina Session 2025 SECTION 5.
Page 6 DRS15430-NEa-130B
Page 6 Senate Bill 979-First Edition
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Action History

  1. Withdrawn From Com

  2. Re-ref Com On Appropriations/Base Budget

  3. Passed 1st Reading

  4. Ref To Com On Rules and Operations of the Senate

  5. Filed

Sponsors

Sponsorship breakdown

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0 sponsors · 2 co-sponsors · 177 not signed on

Sponsors (0)

None.

Co-sponsors (2)

Not signed on (177)

177 members have not signed on to this bill.

Show all 177 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 979?
SB 979 is sponsored by Natalie S. Murdock (Democratic) and Kandie D. Smith (Democratic).
What is the current status of SB 979?
This bill is in committee in the Senate. Introduced April 30, 2026. It must pass committee before a floor vote.
Where can I track SB 979?
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