Hi 8SuperMom8 and IOBA --

FICO doesn't believe insurance carriers and utilities, including wireless providers, are affected by the Risk-Based Pricing Rule. The Rule applies when credit information is checked in connection with an application for credit.

That is, while credit information may be used by insurance companies, wireless providers, utilities, landlords, etc., these businesses aren't granting "credit."  And as a result, they aren't impacted by the Risk-Based Pricing Rule.

-Barry