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"Legislating to the fringe"

A California statute (the Investigative Consumer Reporting Agencies Act, or ICRAA) requires that consumers be provided on request with copies of the investigations done on them at the behest of insurance underwriters, which in turn deters insurers from trying to check out whether applicants might suffer from alcoholism or live in conditions of firetrap squalor. Researching the law's history, Bookworm Room is reminded of the many unplanned consequences spawned by a seemingly unrelated enactment, the Americans with Disabilities Act (ADA).

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Rafael Mangual
Project Manager,
Legal Policy

Manhattan Institute


Published by the Manhattan Institute

The Manhattan Insitute's Center for Legal Policy.