United States HR 3503: Kidney Donation Anti-Discrimination Act

Bill Text

I 
119THCONGRESS 
1
STSESSION 
H. R. 3503 
To prohibit life insurance providers from discriminating based on a person’s 
status as a living kidney donor, and for other purposes. 
IN  THE  HOUSE  OF  REPRESENTATIVES  
MAY19, 2025 
Mr. V
ANDREW(for himself and Mr. DAVISof North Carolina) introduced the 
following bill; which was referred to the Committee on Financial Services 
A  BILL  
To   prohibit   life   insurance   providers   from   discriminating   
based  on  a  person’s  status  as  a  living  kidney  donor,  
and for other purposes. 
Be  it  enacted  by  the  Senate  and  House  of  Representa-1
tives of the United States of America in Congress assembled, 2
SECTION 1. SHORT TITLE. 3
This Act may be cited as the ‘‘Kidney Donation Anti- 4
Discrimination Act’’. 5
SEC. 2. DISCRIMINATION BASED ON LIVING KIDNEY DONOR 6
STATUS. 7
(a)  I
NGENERAL.—It  shall  be  unlawful  to  discrimi-8
nate   against   a   living   kidney   donor,   in   the   offering,   9
issuance,  cancellation,  price  or  conditions  of  a  life  insur-10
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2 
•HR  3503  IH
ance  policy,  or  in  the  amount  of  coverage  provided  under  1
a  life  insurance  policy,  based  solely  on  the  status  of  such  2
person  as  a  living  kidney  donor,  without  evidence  of  addi-3
tional actuarial risks, unrelated to their donation. 4
(b)  P
RIVATERIGHT  OFACTION.—A  person  who  suf-5
fers  harm  as  a  result  of  a  violation  of  subsection  (a)  may  6
bring an individual action against the entity who discrimi-7
nated against such person in the appropriate district court 8
of the United States for damages and attorney’s fees. 9
(c)  R
ULE  OFCONSTRUCTION.—Nothing  in  this  sec-10
tion  may  be  construed  to  preempt  any  State  or  local  law  11
that  provides  greater  protection  to  living  kidney  donors  12
with respect to life insurance than this section does. 13
(d) D
EFINITIONS.—In this section: 14
(1)  L
IFE  INSURANCE  POLICY.—The  term  ‘‘life  15
insurance  policy’’  means  a  contract  under  which  an  16
entity  promises  to  pay  a  designated  beneficiary  a  17
sum of money upon the death of the insured. 18
(2)  L
IVING  KIDNEY  DONOR.—The  term  ‘‘living  19
kidney  donor’’  means  an  individual  who  has  donated  20
a kidney and is not deceased. 21
Æ 
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