The Federal Insurance Office has the authority to collect data on the auto insurance industry and produce research that describes whether or not auto insurance is affordable and accessible in traditionally underserved communities. FIO’s Final Working Definition of Affordable Personal Auto Insurance released in July 2016 lays out the Office’s criteria for defining affordability, determining which communities are underserved, the manner in which the Office will collect data to measure affordability and the timeline of reports it will release going forward.