Consumer Federation of America sent a letter to Insurance Commissioners urging them to take steps to fill the gap caused by the sudden and unexpected deletion by the Casualty Actuarial Society (“CAS”) of the key principles that guide how insurance rates for auto insurance, home insurance and other property/casualty insurance coverages are calculated by insurance companies. The absence of these principles opens the door to insurers proposing insurance prices that are no longer tied to the cost of risk, particularly endangering lower-income Americans and people of color.