b'2021 ANNUAL REPORT CFA further worked with consumer groups and regulators in numerous states, educating them about auto insurance, as well as offering feedback on and supporting bills. We submitted comments, testified, and issued press releases in support of bills and regulations in Colorado, Maryland, Nevada, New Jersey, Oregon, and Washington. The bills embraced a wide range of reforms, including banning the use of credit scores in insurance, banning all socioeconomic factors including gender, and reducing the use of geography in insurance pricing. CFA also opposed a bill in Montana that repealed the ban on gender discrimination in insurance, which unfortunately passed.Both Nevada and Washington State enacted temporary bans on credit scores in insurance, and Colorado enacted a law banning unfair discrimination in auto insurance, as well as information, data models, and algorithms that result in unfair discrimination. In 2022, we plan to support reintroduction of bills in states where they failed to pass and learn from our past experiences. In the last few months CFA has also provided advice and information to regulators in Delaware and New Mexico (who are interested in making auto insurance more affordable), feedback to legislators in Massachusetts, and help to consumer advocates in Louisianawhere insurance is very expensive and the need for more affordability is great.We also worked with the Federal Insurance Office and submitted comments urging it to actively gather information about auto insurance affordability and recommend banning the use of harmful factors like credit scores. Throughout the year, our research and analyses were shared with state insurance commissioners and widely reported by the news media. We are organizing and testifying in support of various bills to reform auto insurance and are very optimistic that many of them will pass, since the groundwork has been laid.Finally, CFA conducted research on climate change and how it is increasing risk and costs for consumers, as more extreme weather events and rising sea levels become increasingly common. CFA led other consumer advocates in sending comments to the Federal Insurance Office urging that insurers stop underwriting fossil fuel projects that increase greenhouse gas emissions and contribute to climate change, making the problem worse. As the effects of climate change become increasingly felt, we will expand our work on this issue. It is essential that consumers have access to affordable coverage wherever possible and that insurers are not worsening the climate crisis. 2021 ANNUAL REPORT11'