Longtime insurance consumer advocate Birny Birnbaum, director of the Center for Economic Justice, proposed a model law to the National Association of Insurance Commissioners during an online meeting of the Consumer Liaison Committee.

Birnbaum is one of the people with an official designation to speak for consumer interests in NAIC proceedings.

Birnbaum’s proposal would define fair and unfair discrimination in insurance; define and ban use of “proxy discrimination against protected classes”; require regulators to monitor for unfair discrimination involving use of data, algorithms, artificial intelligence, and advisory organizations and statistical agents that collect data for insurance organizations.

Birnbaum also proposed creating a Bureau for the Consumer Advocate in each state and funding it through a 10-cent to 25- cent fee on every individual insurance policy issued in the state and on each certificate for a member of a group policy.

The bureau, he said, should have access to all non-public information on each insurance company as is available to the state’s regulator.

Birnbaum is the executive director of the Center for Economic Justice in Austin, Texas.