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Eileen Gilligan







February 8, 2013

PCI Statement on HUD Rule on Disparate Impact


WASHINGTON – The Property Casualty Insurers Association (PCI) today released the following statement in response to the Department of Housing and Urban Development’s (HUD) Rule on the Fair Housing Act’s (FHA) Discriminatory Effects Standard that makes any housing practice HUD finds to have a “disparate impact” on protected groups a violation of the FHA.

 “Homeowners insurers are committed to fair housing practices and do not discriminate against protected groups,” said Nat Wienecke, PCI’s senior vice president federal government relations.


“Insurance regulation is the province of state law, not federal law,” said Leon Buck, PCI’s assistant vice president federal government relations. “States already prohibit discriminatory practices and have comprehensive enforcement, but the HUD rule puts in jeopardy the use of longstanding, sound, state-approved actuarial factors that are the foundation of responsible insurance underwriting.”


PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $190 billion in annual premium, 40 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 38 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.