Claire Howard, APCIA senior vice president, general counsel and corporate secretary, said the state insurance commissioner's "extreme action exceeds his authority, bypasses the legislature, and robs consumers of the benefits of a highly competitive private market." (Credit: Andrii Yalanskyi/Stock.Adobe.com) Claire Howard, APCIA senior vice president, general counsel and corporate secretary, said the state insurance commissioner's "extreme action exceeds his authority, bypasses the legislature, and robs consumers of the benefits of a highly competitive private market." (Credit: Andrii Yalanskyi/Stock.Adobe.com)

The American Property Casualty Insurance Association (APCIA), the Professional Insurance Agents of Washington (PIA), and the Independent Insurance Agents and Brokers of Washington (IIABW) have jointly filed two legal actions designed to stop the implementation and enforcement of Washington Insurance Commissioner Mike Kreidler's permanent rule banning the use of credit-based insurance scores in the rating and underwriting of insurance.

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