[Congressional Bills 109th Congress]
[From the U.S. Government Publishing Office]
[S. 3239 Introduced in Senate (IS)]








109th CONGRESS
  2d Session
                                S. 3239

  To require full disclosure of insurance coverage and noncoverage by 
     insurance companies and provide for Federal Trade Commission 
                              enforcement.


_______________________________________________________________________


                   IN THE SENATE OF THE UNITED STATES

                              May 25, 2006

 Mr. Dayton (for himself and Mr. Lott) introduced the following bill; 
    which was read twice and referred to the Committee on Commerce, 
                      Science, and Transportation

_______________________________________________________________________

                                 A BILL


 
  To require full disclosure of insurance coverage and noncoverage by 
     insurance companies and provide for Federal Trade Commission 
                              enforcement.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Uniform Insurance Non-Coverage 
Disclosure Act''.

SEC. 2. UNLAWFUL ACT.

    Each individual policy written by a State-registered insurance 
company shall include on the front or first page of the policy a 
``Noncoverage Disclosure'' box restating in plain English, in bold font 
twice the size of the text in the body of the policy, all conditions, 
exclusions, and other limitations pertaining to coverage under that 
policy, regardless of the underlying insurance product in question.

SEC. 3. ENFORCEMENT.

    (a) In General.--Any violation of this Act shall be treated as a 
violation of a regulation under section 18(a)(1)(B) of the Federal 
Trade Commission Act (15 U.S.C. 57a(a)(1)(B)) regarding unfair or 
deceptive acts or practices.
    (b) Regulations.--The Federal Trade Commission (referred to in this 
Act as the ``Commission'') shall promulgate regulations to carry out 
this Act.

SEC. 4. POWERS OF COMMISSION.

    (a) In General.--The Commission, acting through the Division of 
Financial Practices in the Bureau of Consumer Protection, shall prevent 
any person from violating this Act, and any regulation promulgated 
thereunder, in the same manner, by the same means, and with the same 
jurisdiction, powers and duties as though all applicable terms and 
provisions of the Federal Trade Commission Act (15 U.S.C. 41 et seq.) 
were incorporated into and made a part of this Act.
    (b) Penalties.--Any person who violates regulations promulgated 
under this Act shall be subject to the penalties and entitled to the 
privileges and immunities provided in the Federal Trade Commission Act 
as though all applicable terms and provisions of the Federal Trade 
Commission Act were incorporated into and made part of this Act.
    (c) Authority Preserved.--Nothing in this Act shall be construed to 
limit the authority of the Commission under any other provision of law.
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