The undersigned consumer, community and civil rights organizations commend the U.S. Treasury Department’s Federal Insurance Office (FIO) for recognizing the importance of auto insurance availability and affordability to lower income consumers and underserved communities because of the necessity of automobile ownership, state insurance mandates, high rates of uninsured motorists, and typical premium levels paid by lower income drivers. Any “reasonable and meaningful definition of affordability” must be based on premiums charged to lower income drivers.