In response to Washington Insurance Commissioner Mike Kreidler's permanent rule banning the use of credit-based insurance scores in the rating and underwriting of insurance, 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 the rule.

The organizations have filed an administrative challenge and a civil court challenge to stop the permanent rule Kreidler recently implemented. The organizations are acting on behalf of the insurance agents, brokers, and companies they represent.

According to a statement by Claire Howard, APCIA senior vice president, general counsel, and corporate secretary, the Commissioner's "extreme action exceeds his authority, bypasses the legislature, and robs consumers of the benefits of a highly competitive private market."