Insurance companies charge higher auto insurance premiums based on non-driving factors like credit score, education, and marital status. This often results in lower income drivers paying higher rates, even if they have a perfect driving record. The Lifeline program, modeled on similar programs in other states, would offer fairly-priced, affordable auto insurance to good drivers, because all drivers benefit when everyone on the road is insured.

“Earned Wage Access” apps advertise fast, flexible cash but frequently trap users in cycles of high fees and repeat borrowing, just like payday loans. Companies behind these apps claim lending laws don’t apply to them, but we need strong laws protecting borrowers from excessive interest and fees. Payday Loan Apps should be subject to regulations to prohibit hidden costs and deceptive app features to ensure families have safe options when they need short-term help.

Soaring homeowners insurance rates have forced many to accept higher deductibles or reduced coverage, leaving them exposed to high costs if their home is damaged in a storm or other event. Renters are impacted too, as premium increases on multi-family housing are passed through to tenants. The insurance industry claims rate increases are necessary, but in 2024, the industry made a record $169 billion in profit. We need solutions to the insurance crisis that prioritize housing affordability over corporate profits.