Section 3904.12 - Prohibited bases for adverse underwriting decisionNo insurance institution or agent may base an adverse underwriting decision in whole or in part on either of the following:
(A) On the fact of a previous adverse underwriting decision. However, an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision.(B) On personal information received from an insurance support organization whose primary source of information is insurance institutions. However, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as a result of information received from such insurance support organization.Effective Date: 6/29/1995 .