1. Short title This Act may be cited as the Prevent Auto Insurance Discrimination Study Act of 2020 or the PAID Study Act of 2020 . 2. Biennial studies of personal private automobile insurance (a) Biennial studies The Comptroller General of the United States (in this section referred to as the Comptroller General ) shall, not later than the expiration of the 2-year period beginning on the date of the enactment of this Act and not less often than every 2 years thereafter, conduct a study under this section that— (1) identifies non-driving related underwriting factors used by private passenger automobile insurers and the extent to which each such underwriting factor impacts the final rate for an insured and an insured’s placement in an insurer’s various companies and rating tiers; (2) identifies existing controls and current automobile insurer practices to prevent discriminatory pricing of automobile insurance coverage, including any controls to identify and prevent discrimination through the use of pricing algorithms; (3) evaluates the presence or absence of disparate impact in private passenger automobile insurance premiums, risk classifications, and an insurer’s company or tier placement based on non-driving related factors, including examining how such premiums are impacted by factors such as zip code, race, religion, national origin, sexual orientation, geographic area, gender, marital status, occupation, occupation status, level of education, consumer credit score and history, and homeownership status; (4) assesses the extent to which States consistently determine what is unfairly discriminatory in private passenger automobile insurance pricing, risk classifications, and product offerings and what standards are used by State insurance regulators to make such a determination for oversight and enforcement purposes