The credit-based insurance scoring controversy continues with the latest volley coming from the Maryland Insurance Administration (MIA). In January, MIA released a report indicating that the data it had collected in 2003 was insufficient to conclusively determine if credit scoring has an adverse impact on low-income or minority populations.Last month, Insurance Networking News reported that a recent study conducted by the Missouri Department of Insurance found that minorities and low-income populations are harmed by insurers use of credit-based insurance scores (see March 2004, page 8).

The Maryland Insurance Administration (MIA) came to the conclusion that its data was insufficient, in part, because insurers do not collect information regarding an applicant's race or income. In addition, no analysis regarding the correlation between credit scoring and other rating factors exists, the report states.

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