Property Casualty Insurers Association of America v. HUD: Opposition Brief

The Property Casualty Insurers Association of America (PCI) formally opposes the U.S. Department of Housing and Urban Development's (HUD) motion to dismiss. This filing also acts as a reply supporting PCI's motion for summary judgment. The central issue is the application of HUD's Disparate Impact Rule to homeowners insurance. PCI asserts that this application violates the McCarran-Ferguson Act by conflicting with state insurance regulations and the use of actuarial risk factors. The document outlines PCI's arguments regarding HUD's rulemaking process, standing, and the merits of the case.

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