Senate committee substitute makes the following changes to the 1st edition. 

Deletes the proposed changes to GS 58-36-30(b1). Amends GS 58-36-30 by adding new (b2) requiring the Commissioner of Insurance to annually collect from insurers and publish on the Department of Insurance's website, by July 1, the following data: (1) the percentage of policies for which a consent to rate has been obtained and (2) the average difference between the approved premium and the consented premium. Makes any non-aggregated data obtained by the Commissioner proprietary and confidential and not a public record. Applies only to insurance against loss to residential real property with no more than four housing units. Requires that the Department publish the required information by October 1, 2017.

Enacts new GS 58-33-107 providing that with respect to new business as as part of the rating and underwriting of nonfleet private passenger motor vehicle insurance coverage, no insurer, agent, broker, or limited representative can charge, demand, or receive a premium for a policy covering nonfleet private passenger motor vehicle insurance without first investigating and considering the potential policyholder's accident and driving records.

Makes conforming changes to the act's titles.