In a letter to Chairman Middleton and Vice Chair Astle of the Maryland Senate Finance Committee, Consumer Federation of America, the Center for Economic Justice and Consumers Union urge an unfavorable report on SB839, which will make it more difficult for the public and regulatory agencies to determine how insurance prices are set. As auto insurance rates become increasingly determined by non-driving factors such as education, credit score, and homeownership, among other indicators, it's more important than ever that insurance pricing methods not be hidden from scrutiny. Rather than shrouding prices and making it more difficult to detect and address discriminatory practices that harm consumers, there should be meaningful reform of rating factors.