Discover how file-and-use rating laws let insurers use new rates without prior state approval. Learn how these laws impact insurance prices and consumer protection.

Usury laws set limits on the amount of interest lenders can charge on loans and are typically set at the state level. There is no federally mandated maximum interest rate for credit cards. For credit ...

"We’re getting rate increases six or eight months after the initial engagement. Some are 10%, some are 20%, and those requests are coming in fast and furious," said Jessica Williams, Geico's director ...