justicedao/ipfs_state_laws huggingface dataset:
ORS Chapter 725a — Short-Term Loans and

ORS 725a.515. Required notifications from licensee to director. (1)(a) A licensee shall notify the Director of the Department of Consumer and Business Services in writing at least 30 days before the licensee: (A) Relocates or closes the licensees principal place of business or a branch office in this state; or (B) Opens a branch office that the licensee did not list in an application under ORS 725A.506. (b) In a notice under paragraph (a) of this subsection, the licensee shall list, as applicable: (A) The new address to which the licensee relocates the licensees principal place of business or any branch office; and (B) The address for any new branch office the licensee opens. (2)(a) A licensee shall notify the director in writing not later than 30 days after: (A) Any appointment, resignation or other change occurs in the licensees controllers, registered agents or managers; or (B) Any material change occurs in the information that the licensee submitted in an application under ORS 725A.506. (b) The licensee shall provide in a notice under paragraph (a)(A) of this subsection the name, address and title of any new controller, registered agent or manager the licensee appoints. (3)(a) A licensee shall notify the director in writing not later than 10 days after: (A) Filing for bankruptcy or reorganization; (B) A controller, registered agent or manager of the licensee becomes subject to an indictment that is related in any manner to the licensees activities; (C) The licensee receives notice of a final order issued in this or another state that: (i) Demands that the licensee cease and desist from any act; (ii) Suspends or revokes a license or registration; or (iii) Constitutes any other formal or informal regulatory action against the licensee; (D) The licensee registers or changes and uses or operates under an assumed business name; (E) The licensee ceases doing business or ceases servicing student loans; or (F) Any other change in the licensees operations or governance occurs in a manner or with an effect that the director determines by rule is significant enough to warrant the licensee notifying the director. (b) A licensee shall specify in a notice under paragraph (a)(C) of this subsection the reasons any final order sets forth for taking a regulatory action against the licensee. (c) A licensee shall identify in a notice under paragraph (a)(E) of this subsection the location in which the licensee stores records related to student loan servicing in this state and shall provide the name and contact information for an individual with authority to provide access to the records. (4) A licensee shall notify the director immediately if the licensee changes registered agents or if the name or address of the licensees registered agent in this state changes. In the notice, the licensee shall update the name and address of the registered agent.
ORS Chapter 725a — Short-Term Loans and

ORS 725a.518. Supervisory powers of director; examination of licensee; charge for costs of examination; multistate cooperation; rules. (1) The Director of the Department of Consumer and Business Services has general supervisory authority over: (a) Each licensee in this state; (b) Any person that services a student loan in this state, if the person is subject to ORS 725A.500 to 725A.530 or if the director required the person to obtain a license under ORS 725A.503 (3); and (c) Any person that had a license that the director withdrew, canceled, suspended, conditioned or revoked, if the person continues to service a student loan. (2)(a) The authority described in subsection (1) of this section includes the authority to examine a licensee or a person described in subsection (1) of this section at any time. (b) The director may charge and collect from a licensee or a person the director examines under this section the costs the director incurs in conducting the examination. (3) In order to conduct an examination under this section, the director may: (a) Retain attorneys, accountants or other professionals and specialists as examiners, auditors or investigators. (b) Enter into agreements or relationships with other government officials or regulatory associations to share resources, to use and create standardized methods, procedures, documents, databases, records, information or evidence, to reduce the directors regulatory burden or to improve efficiency. (c) Participate in multistate examinations that the Conference of State Bank Supervisors or the federal Consumer Financial Protection Bureau schedules and conducts. In conducting an examination under this paragraph, the director shall follow the protocol that the conference or bureau establishes for the examination. (d) Accept and rely on examination or investigation reports from other government officials in this or another state. (4) Books, accounts, papers, records, files, correspondence, contracts and agreements, disclosures, documentation and other information, material or evidence the director obtains in an examination under this section is confidential and subject to the provisions of ORS 705.137, except that a borrower may request to inspect material related to the borrowers student loan that the director by rule specifies is available for inspection. The director shall authenticate the borrowers identity before disclosing any material to the borrower. (5) The director may adopt rules for the purpose of implementing ORS 725A.500 to
ORS Chapter 725a — Short-Term Loans and

ORS 725a.524. Investigation of complaints; confidentiality of materials obtained in investigation; exceptions; charge for costs of investigation. (1) If the Director of the Department of Consumer and Business Services receives a complaint concerning a person that services a student loan, the director: (a) Shall notify the person of the complaint, provide a copy of the complaint in the notice and require the person to respond to the complaint and to the director within 30 days after the date of the notice; (b) May investigate the complaint and require the person to provide books, accounts, papers, records, files, correspondence, contracts and agreements, disclosures, documentation and other information, material or evidence necessary for the directors investigation; and (c) May investigate the person and the persons policies and practices with respect to servicing a student loan and require the person to provide books, accounts, papers, records, files, documentation and other information, material or evidence necessary for the directors investigation. (2)(a) Except as provided in paragraph (b) of this subsection, books, accounts, papers, records, files, correspondence, contracts and agreements, disclosures, documentation and other information, material or evidence the director receives or possesses as a consequence of an investigation under subsection (1) of this section are confidential unless state or federal law or a court order permits or requires disclosure. (b) The director may share any item listed in paragraph (a) of this subsection with any state or federal agency. (3) The director may charge and collect from a person the director investigates under this section the costs the director incurs in conducting the investigation. (4) This section does not apply to: (a) A financial institution, as defined in ORS 706.008. (b) A financial holding company or bank holding company, both as defined in ORS 706.008, if the financial holding company or bank holding company does no more than control an affiliate or subsidiary, as defined in 12 U.S.C. 1841(d), and does not engage in business as a student loan servicer.
ORS Chapter 725a — Short-Term Loans and

ORS 725a.527. Violations; orders of director; remedies; civil penalties; charge for costs of proceeding. (1) If, after conducting an investigation, the Director of the Department of Consumer and Business Services determines that a person that services a student loan has violated ORS 725A.500 to 725A.530, violated a rule the director adopted or an order the director issued under ORS 725A.500 to 725A.530 or violated another applicable law, the director may order the person to: (a) Cease and desist from any act that constitutes a violation of ORS 725A.500 to
ORS Chapter 725a — Short-Term Loans and

ORS 725a.990. (a) May at any time investigate a licensee or a person required under ORS 725A.020 to obtain a license. (b) Shall examine a licensee not less than once every two years and may inspect and examine the licensee at other times that the director determines are necessary. (2) For purposes of subsection (1) of this section: (a) A licensee or a person required to obtain a license as a payday loan lender or title loan lender is subject to inspection and shall give the director free access to the licensees or persons place of business, books, accounts, records, files, safes and vaults. (b) The director may: (A) Conduct an investigation or examination without prior notice to the person the director investigates or examines. (B) Compel the attendance of a witness or other person from whom the director requires testimony necessary to conduct an investigation or examination and examine the witness or person under oath. (C) Require a licensee or a person required to obtain a license as a payday loan lender or title loan lender to produce books, accounts, records, files or other documents. (c) A person may not knowingly give or cause to be given to the director a document or an oral or written statement or report that is false in any material respect. (3) If the director investigates or examines under this section a licensee or a person required to obtain a license as a payday loan lender or title loan lender, the licensee or person shall pay the director for the actual cost of the investigation or examination. The director may maintain an action to recover the cost in a court of competent jurisdiction.
ORS Chapter 731 — Administration and General

ORS 731.004. Short title. ORS chapters 731, 732, 733, 734, 735, 737, 742, 743, 743A, 743B, 744, 746, 748 and 750 may be cited as the Insurance Code.
ORS Chapter 731 — Administration and General

ORS 731.008. Purpose of Insurance Code. The Legislative Assembly declares that the Insurance Code is for the protection of the insurance-buying public. [Formerly 736.003]
ORS Chapter 731 — Administration and General

ORS 731.010. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.012. Effect of federal law. The Insurance Code shall regulate the business of insurance and every person engaged therein in accordance with the intent of Congress as expressed in the Act of March 9, 1945, as amended (Public Law 15, 79th Congress, 15 U.S.C. 1011 to 1014) which states in part that no Act of Congress shall be construed to invalidate, impair or supersede any law enacted by any state for the purpose of regulating the business of insurance, or which imposes a fee or tax upon such business, unless such Act specifically relates to the business of insurance.
ORS Chapter 731 — Administration and General

ORS 731.016. Construction of Insurance Code. The Insurance Code shall be liberally construed and shall be administered and enforced by the Director of the Department of Consumer and Business Services to give effect to the policy stated in ORS 731.008.
ORS Chapter 731 — Administration and General

ORS 731.020. [Repealed by 1965 c.241 3] APPLICATION OF INSURANCE CODE
ORS Chapter 731 — Administration and General

ORS 731.022. Compliance with Insurance Code required. No person shall transact insurance in this state or relative to a domestic risk without complying with the applicable provisions of the Insurance Code.
ORS Chapter 731 — Administration and General

ORS 731.026. Application of Insurance Code to particular insurers. The Insurance Code applies to: (1) A fraternal benefit society complying with ORS chapter 748, only as provided in such chapter. (2) A health care service contractor complying with ORS 750.005 to 750.095, only as provided in such sections. (3) A legal expense organization complying with ORS 750.505 to 750.715, only as provided in such sections. (4) A multiple employer welfare arrangement complying with ORS 750.301 to 750.341, only as provided in such sections.
ORS Chapter 731 — Administration and General

ORS 731.028. Applicability of certain Insurance Code provisions to State Accident Insurance Fund Corporation. (1) The State Accident Insurance Fund Corporation is subject as a domestic insurer to ORS 731.248, 731.252, 731.256, 731.258, 731.260, 731.296 to 731.316,
ORS Chapter 731 — Administration and General

ORS 731.030. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.038. Application of Insurance Code to charitable organizations that issue charitable gift annuities. (1) As used in this section: (a) Charitable gift annuity has the meaning given that term in section 501(m)(5) of the Internal Revenue Code, as amended and in effect on January 1, 2006. (b) Charitable organization means an organization to which contributions may be made that are charitable contributions under section 170(c) of the Internal Revenue Code, as amended and in effect on January 1, 2006. (2) The Insurance Code does not apply to a charitable organization that issues charitable gift annuities if, on the date that the charitable organization issues the charitable gift annuity, the charitable organization: (a) Has a minimum of $300,000 in net assets as shown by an annual audited financial statement prepared by an independent certified public accountant and kept on file by the charitable organization; (b) Except as provided in subsection (3) of this section, has been in continuous operation for at least five years or is a successor to or an affiliate of a charitable organization that has been in continuous operation for at least five years; and (c) Maintains a separate and distinct trust fund as a reserve fund adequate to meet the future payments under all outstanding annuity agreements. The amount in the reserve fund must be an amount no less than an amount computed on the basis of the transfers to which it relates in accordance with the standard of valuation based on current mortality tables and interest rate recommended by a national organization organized for the purpose of providing educational and other services to American charities regarding gift annuities and other forms of planned gifts. The reserve fund may include one or more single premium annuities that pay the entire amount of one or more charitable gift annuities issued by the charitable organization if each single premium annuity is issued by an authorized insurer that is also authorized to transact insurance in the state in which the charitable organization has its principal office and in the state in which the single premium annuity is issued. (3) The Insurance Code does not apply to an educational institution or nonprofit corporation that issued a charitable gift annuity before January 1, 2006, under a certificate of authority issued under ORS 731.704 (repealed in 2005). (4) When a charitable organization that is subject to subsection (2) of this section enters into an agreement for a charitable gift annuity, the charitable organization shall disclose in writing to the donor that the charitable gift annuity is not issued by an insurance company, is not subject to regulation by the State of Oregon and is not protected by an insurance guaranty association. (5) A charitable organization that is not subject to subsection (2) of this section must hold a certificate of authority to issue charitable gift annuities. [2005 c.31 2] Note:
ORS Chapter 731 — Administration and General

ORS 731.039. Requirements for certain educational institutions or nonprofit corporations issuing charitable gift annuities. ORS 731.038 (2)(a) and (b) does not apply to an educational institution or nonprofit corporation that holds a certificate of authority issued under ORS 731.704 (repealed in 2005) on the day before January 1, 2006. An educational institution or nonprofit corporation subject to this section shall keep on file an annual audited financial statement prepared by an independent certified public accountant. [2005 c.31 3] Note:
ORS Chapter 731 — Administration and General

ORS 731.040. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.042. Certificate of exemption; application of certain Insurance Code provisions to exempt insurers. (1) An exempt insurer who holds a certificate of exemption issued by the Director of the Department of Consumer and Business Services before January 1, 2003, may continue transacting insurance. (2) In order to continue a certificate of exemption, an exempt insurer to whom subsection (1) of this section applies must file its annual statement and pay the fees established by the director by March 1 of each year. (3) An exempt insurer shall be subject to ORS 731.296 to 731.316, 731.414, 731.418,
ORS Chapter 731 — Administration and General

ORS 731.046. Exemption of policies from Securities Law. Any policy, other than a variable annuity policy, whose form has been filed with and approved by the Director of the Department of Consumer and Business Services is exempt from the application of ORS 59.005 to 59.505, 59.710 to 59.830, 59.991 and 59.995, and the marketing of such policy is likewise exempt.
ORS Chapter 731 — Administration and General

ORS 731.050. [Repealed by 1965 c.241 3] DEFINITIONS GENERALLY
ORS Chapter 731 — Administration and General

ORS 731.052. Insurance Code definitions. Except where the context otherwise requires, the definitions given in the Insurance Code govern its construction.
ORS Chapter 731 — Administration and General

ORS 731.056. Action. Action means any action, suit or legal proceeding.
ORS Chapter 731 — Administration and General

ORS 731.060. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.066. Authorized, unauthorized insurer. (1) An authorized insurer is one authorized by a subsisting certificate of authority to transact insurance in this state. (2) An unauthorized insurer is one not so authorized.
ORS Chapter 731 — Administration and General

ORS 731.069. Certificate, certificate holder. (1) Certificate means a written statement evidencing the coverage of a person insured under a group insurance policy. (2) Certificate holder means an employee or member of a group insured under a group insurance policy.
ORS Chapter 731 — Administration and General

ORS 731.070. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.072. Certificate of authority, license. (1) A certificate of authority is one issued by the Director of the Department of Consumer and Business Services pursuant to the Insurance Code evidencing the authority of an insurer to transact insurance in this state. (2) A license is authority granted by the director pursuant to the Insurance Code for the licensee to engage in a business or operation of insurance in this state other than as an insurer, and the certificate by which such authority is evidenced.
ORS Chapter 731 — Administration and General

ORS 731.074. Commercial liability insurance. (1) Commercial liability insurance means insurance for a business, professional, nonprofit or governmental entity against legal, contractual or assumed liability for death, injury or disability of any human, or for damage to property, arising out of acts or omissions in the course of the conduct of the entity. (2) Commercial liability insurance does not include the following lines of insurance or classes of business: (a) Marine and transportation insurance; (b) Wet marine and transportation insurance; (c) FAIR plans and automobile assigned risk insurance; (d) Workers compensation and employers liability insurance; (e) Nuclear liability insurance; (f) Fidelity and surety insurance; (g) Hazardous waste and environmental impairment insurance; (h) Aviation insurance; or (i) Commercial automobile insurance. (3) As used in this section, commercial automobile means a four wheel passenger or station wagon type of vehicle used as a public or private conveyance, including a motor vehicle of the utility, pickup, sedan delivery or panel truck type used for wholesale or retail delivery, and a farm truck. [1987 c.774 32] Note:
ORS Chapter 731 — Administration and General

ORS 731.075. Covered life. Covered life means a subscriber, policyholder, certificate holder, spouse, dependent child or any other individual insured under an insurance policy or whose benefits are administered by a third party administrator licensed under ORS 744.702. [2009 c.595 1194] Note:
ORS Chapter 731 — Administration and General

ORS 731.076. Department, director. (1) Department means the Department of Consumer and Business Services. (2) Director means the Director of the Department of Consumer and Business Services.
ORS Chapter 731 — Administration and General

ORS 731.080. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.082. Domestic, foreign, alien insurer. (1) Domestic insurer means an insurer formed under the laws of this state. (2) Foreign insurer means an insurer formed under the laws of a state other than this state. (3) Alien insurer means an insurer formed under the laws of any country other than the United States of America or a state thereof.
ORS Chapter 731 — Administration and General

ORS 731.086. Domestic risk. Domestic risk means a subject of insurance resident, located or to be performed in this state.
ORS Chapter 731 — Administration and General

ORS 731.090. [Repealed by 1965 c.241 3]
ORS Chapter 731 — Administration and General

ORS 731.092. Domicile. The domicile of an insurer means: (1) As to insurers formed under the laws of Canada or any province thereof, the province in which the insurers head office is located. (2) As to other alien insurers, as provided in ORS 731.096. (3) As to all other insurers, the state under the laws of which the insurer was formed or, if the insurer has been redomesticated to another state, the state to which it has been redomesticated.
ORS Chapter 731 — Administration and General

ORS 731.096. Domicile of alien insurer. (1) The domicile of an alien insurer, other than insurers formed under the laws of Canada or a province thereof, shall be that state designated by the insurer in writing filed with the Director of the Department of Consumer and Business Services at time of admission to this state or before January 1, 1962, whichever date is the later, and may be any one of the following states: (a) The state in which the insurer was first authorized to transact insurance; (b) The state in which is located the insurers principal place of business in the United States; or (c) The state in which is held the largest deposit of assets of the insurer in trust for the protection of its policyholders and creditors in the United States. (2) If the insurer makes no such designation its domicile shall be deemed to be that state in which is located its principal place of business in the United States. [Formerly 736.240]
ORS Chapter 731 — Administration and General

ORS 731.097. Essential health benefits. Essential health benefits are the items and services prescribed by the Department of Consumer and Business Services by rule in accordance with federal law, including: (1) Ambulatory patient services. (2) Emergency services. (3) Hospitalization. (4) Maternity and newborn care. (5) Mental health and substance use disorder services, including behavioral health treatment. (6) Prescription drugs. (7) Rehabilitative and habilitative services and devices. (8) Laboratory services. (9) Preventive and wellness services and chronic disease management. (10) Pediatric services, including oral and vision care. [2013 c.681 2] Note: