The case was filed under the federal Fair Housing Act, as amended, because I inquired about home renter’s insurance with the company and received quotes with a “FaithGuard” provision. This provision, while “voluntary” for the insurance policy (but force-placed in my insurance quotes by the agent without either of us mentioning it during conversations, by the way), theoretically funnels money from people of no faith like me, even if I don’t elect to have this policy, directly to people of faith and places of worship, such as in tithes to churches, when a claim is approved. I say theoretically because the final investigative report I received from the federal government’s investigation showed that out of the 40,000+ people who had such a policy, not one religious-based claim was approved by the company. So, this is a victory for people of faith as much as it is for people with a lack of faith, since the company seems to have scammed the believers for several years now without paying out the religious benefit touted. Incidentally, the Fair Housing Act does have a religious exemption which states that religious housing transactions can be completed specifically among members of a congregation or order (i.e. religious-based housing for seminary students); what is prohibited is opening up transactions to the general market and siphoning benefits at the expense of one religious/non-religious group over to another. If the company would have stuck to insuring members of the Christian church only, as I believe it used to do, it would have been lawful.