1. Short title This Act may be cited as the Insurance Fairness for First Responders Act of 2019 . 2. Fairness for life insurance purchasers Title V of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 15 U.S.C. 8201 et seq.) is amended by adding at the end the following new subtitle: C Fairness for life insurance purchasers 551. Prohibition against discrimination in life insurance policies based on possession of naloxone (a) In general It shall be unlawful for any insurer to deny any person life insurance, or to otherwise discriminate in the issuance, cancellation, amount of coverage, or conditions of life insurance, based upon the lawful possession by such person of naloxone pursuant to a standing order for the dispensing of naloxone to a health care professional or first responder issued by an agency of a State or unit of general local government. (b) Insurance rates It shall be unlawful for any insurer to charge rates for life insurance which are excessive or unfairly discriminatory in relation to the actuarial risk associated with the lawful possession by such person of naloxone pursuant to a standing order for the dispensing of naloxone to a health care professional or first responder issued by an agency of a State or unit of general local government. 552. Administrative enforcement (a) State enforcement In addition to such other remedies as are provided under State law, the chief law enforcement officer of a State, or an official or agency designated by a State, may bring an action to enjoin any person who has violated or is violating this subtitle. (b) Enforcement by Secretary The Secretary of the Treasury shall enforce this subtitle in any State that the Secretary determines does not have a comparable State law or a law that the Secretary has determined is not inconsistent under section 553. 553. Effect on State laws (a) In general This subtitle does not annul, alter, or affect, or exempt any insurer subject to the provisions of this subtitle from complying with the laws of any State with