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Amend CSSB 14, committee printing, as follows:                               
	On page 8, strike lines 8-41 through page 12, line 12-13, and 
substitute the following:
	Sec. 1  For purposes of this article, "credit scoring" and 
"insurance scoring" mean an underwriting guideline or rating factor 
based in whole or in part on information related to an individual's 
credit, credit worthiness, credit standing, credit capacity, 
credit history, payment habits, or financial responsibility.  The 
terms include, but are not limited to, a numerical representation 
of the insurance risk an individual presents, using the 
individual's attributes derived from a credit report or credit 
information or other information in a formula to assess insurance 
risk on an actuarial or statistical basis.
	Sec. 2  No person shall use an underwriting guideline or 
rating factor based in whole or in part on credit scoring or 
insurance scoring for personal automobile or residential property 
insurance.
	Sec. 3  A violation of this section constitutes an unfair 
practice and unfair discrimination in the business of insurance in 
violation of the Insurance Code, Articles 21.21 and 21.21-8, and 
shall be subject to the provisions thereof.