which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated

McCarran Ferguson Act

Explanation:

The McCarran Ferguson Act was passed by Congress in 1945. Subject to certain conditions, the McCarran Act essentially returned insurance regulation to the states. The Act was designed to ensure the preeminence of state regulation not to free insurers from federal antitrust laws.

The exemption functions principally to allow certain information sharing between insurance companies that might otherwise be prohibited by the antitrust laws. In particular, it allows insurers to pool historic loss information, which bears directly on pricing.