H.R. 9618, titled the Lowering CAR Insurance Act, was introduced in the House of Representatives on September 17, 2024, by Representative Yadira Caraveo. The bill aims to require the Director of the Federal Insurance Office to submit an annual report to the President and certain Congressional committees regarding the automobile insurance industry. This initiative seeks to enhance transparency and oversight of auto insurance practices.
Supporters of the Lowering CAR Insurance Act argue that the bill will provide valuable insights into the auto insurance industry, potentially leading to more informed policy decisions and consumer protections. By mandating annual reports, the legislation is seen as a step toward greater accountability and transparency in the sector.
Critics of the bill express concerns that the additional reporting requirements may impose administrative burdens on the Federal Insurance Office without guaranteeing significant improvements in the auto insurance market. Some also question whether the reports will lead to actionable changes or merely add to bureaucratic processes.
The DEF Act, sponsored by Julie Fedorchak, does not show direct overlaps between the bill's subject matter and the sponsor's top donor industries, indicating a lower risk of conflicts of interest. While there is significant lobbying activity in the policy area, the total contributions from lobbyists do not directly connect to the specific interests of Fedorchak's top donors. For instance, the American Concrete Institute contributed $80,000, but there is no indication that the bill pertains to concrete or related industries. Additionally, the contributions from various organizations, such as Washoe County and the Veterans Association of Real Estate Professionals, do not present a clear conflict with the bill's objectives. Voters should be aware that while lobbying exists, the absence of direct industry overlaps suggests that the bill may not be unduly influenced by these financial contributions.
Organizations that lobbied on issues related to this bill's policy area.
| Client | Lobbying Firm | Amount |
|---|---|---|
| AMERICAN CONCRETE INSTITUTE | CROSSROADS STRATEGIES, LLC | $80,000 |
| ANNE PRAMAGGIORE | CROSSROADS STRATEGIES, LLC | $60,000 |
| SIGHTLINE INTELLIGENCE | C2 STRATEGIES | $50,000 |
| ACTUS ADVANCED SYSTEMS | C2 STRATEGIES | $40,000 |
| WASHOE COUNTY | PORTER GROUP, LLC | $30,000 |
| VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS, INC. | C2 STRATEGIES | $30,000 |
| EO SOLUTIONS LLC | PORTER GROUP, LLC | $20,000 |
| WASHOE COUNTY REGIONAL TRANSPORTATION COMMISSION | PORTER GROUP, LLC | $20,000 |
| ULINE | BROYDRICK & ASSOCIATES | $20,000 |
| RTC SOUTHERN NEVADA | PORTER GROUP, LLC | $10,000 |
| WISH | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN STATE CRANBERRY GROWERS ASSOCIATION | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN CRANBERRY RESEARCH AND EDUCATION FOUNDATION | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN CRANBERRY RESEARCH AND EDUCATION FOUNDATION | BROYDRICK & ASSOCIATES | undisclosed |
| WD SCHORSCH LLC | BROYDRICK & ASSOCIATES | undisclosed |
Source: Senate Lobbying Disclosure Act (LDA) filings, 2026
Top industries funding Julie Fedorchak, ranked by total contributions.
Source: OpenSecrets.org (Center for Responsive Politics)
