The use of credit scoring by insurers has generated tremendous controversy and put the industry on the hot seat. Is it ethical to force an unpopular rating factor on the public–particularly if critics contest the accuracy of the information, and question the disparate impact its use might have on low-income and minority groups? And what are the ethical demands made on agents and carriers in explaining the use of this factor as a rating criterion? NU Editor In Chief Sam Friedman invites readers to weigh in on his blog at www.property-casualty.com.

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