CFA's research proves that auto insurance required by the states is unaffordable for many and that the pricing is unfair, resulting in disparate treatment and even discrimination against low- and moderate-income earners and minorities. Reform is essential. There will be no significant reform without action at the state level, but the states have shown no urgency in collecting the information needed to address the outrage of states requiring insurance that is unaffordable for many Americans. This lack of state urgency makes FIO action urgent. Millions of people who are being seriously harmed today look to FIO for this help. This help should be granted now.