reglab/housing_qa huggingface dataset:
OR Rev Stat § 750.329 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.329 - Taxation.

(1) A multiple employer welfare arrangement is subject to taxation to the same extent and in the same manner as an insurer transacting health insurance in this state. (2) For purposes of this section, contributions received by a trust for a multiple employer welfare arrangement shall be considered to be premiums received for insurance. [1993 c.615 §17; 1995 c.786 §11] Note: See note under 750.301.
OR Rev Stat § 750.330 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.330

[1973 c.97 §7; 1989 c.331 §26; renumbered 750.655 in 1989]
OR Rev Stat § 750.331 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.331 - Prohibited activities for trustee or officer.

In addition to limitations and restrictions imposed by the federal Employee Retirement Income Security Act of 1974, as amended, 29 U.S.C. 1001 et seq., on trustees or officers in their capacity as fiduciaries, a trustee or officer of a trust carrying out a multiple employer welfare arrangement shall not do any of the following: (1) Receive directly or indirectly any payment for negotiating, procuring, recommending or aiding in: (a) Any purchase by or sale to the trust; or (b) Any loan from the trust. (2) Be pecuniarily interested, as principal, coprincipal, agent or beneficiary, in a purchase, sale or loan described in subsection (1) of this section. [1993 c.615 §18] Note: See note under 750.301.
OR Rev Stat § 750.335 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.335 - Delinquency proceedings.

The Director of the Department of Consumer and Business Services may initiate and carry out supervision and delinquency proceedings against a trust carrying out a multiple employer welfare arrangement in the same manner as provided with regard to insurers under ORS chapter 734. [1993 c.615 §20] Note: See note under 750.301.
OR Rev Stat § 750.337 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.337 - Exclusion from membership in guaranty funds, joint underwriting associations and other pools.

(1) A trust carrying out a multiple employer welfare arrangement may not be permitted to join or contribute financially to any insurance insolvency guaranty fund or similar mechanism in this state. Neither such a trust nor its insureds may receive any benefit from any such fund for claims arising out of the operations of the multiple employer welfare arrangement. (2) A trust carrying out a multiple employer welfare arrangement may not participate in any joint underwriting association or mandatory liability pool established under the laws of this state. [1993 c.615 §21; 1995 c.603 §39] Note: See note under 750.301.
OR Rev Stat § 750.339 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.339 - Liability of excess loss insurer.

An insurer who provides excess loss insurance under ORS 750.309 to a multiple employer welfare arrangement that is offering or providing health benefits in this state without a certificate of multiple employer welfare arrangement or to employers or employees participating in such a multiple employer welfare arrangement shall be liable for any unpaid claims of the multiple employer welfare arrangement. [1993 c.615 §22] Note: See note under 750.301.
OR Rev Stat § 750.340 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.340

[1973 c.97 §6; 1975 c.769 §9; 1989 c.331 §27; renumbered 750.705 in 1989]
OR Rev Stat § 750.341 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.341 - Requirement for multiple employer welfare arrangement to become traditional insurer.

A trust carrying out a multiple employer welfare arrangement shall not provide coverage to more than 20,000 lives unless the trust first obtains a certificate of authority as an insurer in this state. [1993 c.615 §23] Note: See note under 750.301.
OR Rev Stat § 750.505 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.505 - Definitions for ORS 750.505 to 750.715.

As used in ORS 750.505 to 750.715: (1)(a) "Administration fee" means a nominal fee that: (A) A legal access provider pays to an attorney; (B) Is not more than $6 per month for each of the legal access provider’s customers, or a greater amount that the Director of the Department of Consumer and Business Services specifies by rule; and (C) Covers overhead and administrative expenses that the attorney incurs in providing legal consultations or other legal services to a legal access provider’s customers. (b) "Administration fee" does not include fees, charges or other compensation that an attorney charges to the attorney’s client for legal services or a reimbursement that a legal expense organization provides under a legal expense plan. (2) "Legal access provider" means a person that charges a fee to a customer for the purpose of providing the customer with access to legal consultations and other legal services and that pays an administration fee to an attorney. (3)(a) "Legal expense organization" or "organization" means a person or group of persons that provide or offer to provide a legal expense plan, including a person that acts as the legal expense plan’s administrator. (b) "Legal expense organization" or "organization" does not include a legal access provider. (4) "Legal expense plan" or "plan" means an agreement between an organization and a person or a group of persons under which the organization, in return for a specified payment as consideration, reimburses the person or group of persons as members of the plan for charges the person or group of persons incurs for legal services. (5) "Member" means a person who is eligible to receive legal services under a legal expense plan. (6) "Membership agreement" means written evidence of coverage of a member under a plan between an organization and members. (7) "Provider agreement" means a written contract or agreement between an organization and a providing attorney for rendering legal services to a member or group of persons. (8) "Providing attorney" means any attorney licensed and in good standing in this state who provides legal services in accordance with a membership agreement or a provider agreement. (9) "Sales or marketing representative" means a person who markets or solicits members for or on behalf of a plan. [1989 c.331 §2; 2015 c.504 §1]
OR Rev Stat § 750.515 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.515 - Certificate of registration required.

A person shall not transact business as a legal expense organization or otherwise offer, provide, market or do business on behalf of a plan unless the person holds a valid certificate of registration as a legal expense organization. [1989 c.331 §3]
OR Rev Stat § 750.525 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.525 - Inapplicability of ORS 750.505 to 750.715 to certain legal services.

ORS 750.505 to 750.715 do not apply to the following arrangements: (1) A retainer contract that an attorney or firm of attorneys makes with a specific individual, under the terms of which the attorney or firm bases fees on reasonable estimates of the nature and amount of services the attorney or firm will provide, and similar contracts that an attorney or firm of attorneys makes with a group of clients involved in the same or closely related legal matters. (2) Any two-party agreement for delivering specified legal services in return for a specified payment, including a fee for administering the agreement or services related to the agreement, under the terms of which an attorney or firm of attorneys arranges to provide legal services to a group of individuals who are all members of the same bona fide nonprofit membership organization, such as a church, trade group, credit union or association, or a group of individuals who are all employed by the same employer and the primary purpose of the nonprofit membership organization or the employer is other than providing legal services. An agreement is exempt from the application of ORS 750.505 to 750.715 under this subsection only if the agreement does not involve a third party such as a legal expense organization or sales or marketing representative in receiving any of the specified payments or in overseeing the delivery of the specified legal services. (3) A referral of a client to an attorney, to the extent that a nonprofit lawyer referral service or public corporation such as a state or local bar association provides the referral and does not charge for the referral. (4) Employee welfare benefit plans to the extent that Section 514 of the federal Employee Retirement Income Security Act of 1974, or successor legislation, preempts state regulation. (5) Legal assistance plans financed primarily by public funds, interest on lawyers trust accounts funds under the regulation of the Oregon State Bar or other public service funds. (6) Authorized insurers that offer legal expense insurance in this state. (7) A legal access provider that pays only an administration fee to an attorney and does not pay for or reimburse a customer of the legal access provider for legal services that the attorney provides to the customer. [1989 c.331 §4; 2015 c.504 §2]
OR Rev Stat § 750.535 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.535 - Registration requirements.

An applicant for registration as a legal expense organization must do all of the following in order to obtain registration: (1) Apply for the registration under ORS 750.545. (2) File with the Director of the Department of Consumer and Business Services in writing the address, including street and number, and mailing address, if different, of the organization’s initial registered office and the name of its initial registered agent at that office. (3) Meet the following qualifications: (a) The applicant must be financially responsible and the organization able to meet its obligations to its members. (b) The directors, officers or managers of the organization must be competent, trustworthy and experienced managerially, as determined by the director after investigation or upon receipt of reliable information. [1989 c.331 §5]
OR Rev Stat § 750.545 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.545 - Application; fee.

(1) An applicant for a certificate of registration shall apply to the Director of the Department of Consumer and Business Services on a form prescribed by the director. The application shall be accompanied by the applicable fee established by the director. (2) An application shall include the following information: (a) The applicant’s name and the address of the principal office of the organization. (b) Whether the applicant or any of its directors, officers or managers has ever been convicted of or is under indictment for a crime, has ever had a judgment entered against it or any of them for fraud, and whether any license to act as an insurance producer or in any other occupational or professional capacity has ever been refused, revoked or suspended in this or any other state with respect to the applicant or any of its directors, officers or managers. (c) A statement of the financial condition of the applicant or of the organization. The statement must be in a form satisfactory to the director and verified by an official of the organization. (d) Any other information required by the director. [1989 c.331 §6; 1991 c.67 §203; 1991 c.401 §11; 2003 c.364 §171]
OR Rev Stat § 750.555 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.555 - Issuance of certificate of registration.

(1) If the Director of the Department of Consumer and Business Services determines that an applicant has satisfied all requirements of ORS 750.535 and 750.545, the director shall issue the certificate of registration to the applicant. (2) If the director denies a registration application, the director shall so inform the applicant, stating the grounds for the denial. [1989 c.331 §7]
OR Rev Stat § 750.565 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.565 - Duration of certificate; renewal; fee.

(1) A certificate of registration of a legal expense organization is effective for one year from the date of issue. (2) A legal expense organization may renew its certificate of registration by paying the applicable fee established by the Director of the Department of Consumer and Business Services. [1989 c.331 §8; 1991 c.401 §12]
OR Rev Stat § 750.575 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.575 - Grounds for suspension or revocation of certificate or refusal to issue or renew certificate.

(1) The Director of the Department of Consumer and Business Services may suspend, revoke, refuse to issue or refuse to renew a certificate of registration for any one or any combination of the following reasons: (a) Fraud or deceit in obtaining or applying for the certificate. (b) Dishonesty, fraud or gross negligence in the transaction of insurance. (c) Conduct resulting in a conviction of a felony under the laws of any state or of the United States, to the extent that such conduct may be considered under ORS 670.280. (d) Conviction of any crime, an essential element of which is dishonesty or fraud, under the laws of any state or of the United States. (e) Refusal to renew or cancellation, revocation or suspension of authority to transact insurance or business as a legal expense organization or similar entity in another state. (f) Failure to pay a civil penalty imposed by final order of the director. (2) An organization holding a certificate that has not been renewed or has been revoked shall surrender the certificate to the director at the director’s request. (3) The director may suspend or refuse to renew a certificate immediately and without hearing pursuant to ORS 183.430 if the facts giving rise to such action demonstrate the organization to be a serious danger to the public’s safety, or untrustworthy to maintain the certificate. (4) Except as provided in subsection (3) of this section, the director may suspend, revoke, refuse to renew or refuse to issue a certificate of registration only after giving an opportunity for a hearing pursuant to ORS chapter 183. [1989 c.331 §9]
OR Rev Stat § 750.585 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.585 - Written provider agreement with providing attorney.

An organization shall not operate or offer a plan in this state unless the organization first enters into a written provider agreement with the providing attorney or attorneys. The following provisions apply to such an agreement: (1) A provider agreement shall not contain any provision that allows the providing attorney to seek payment from a member, other than any copayments and deductibles scheduled in the agreement, in the event of nonpayment by the organization for any services that have been performed under the plan by the providing attorney; and (2) A provider agreement shall contain a guarantee that the providing attorney will furnish plan services to plan members whether or not the providing attorney has been or will be paid under the plan. Provider agreements shall require providing attorneys to give plan members the full benefit of plan membership until the member leaves the plan or until the anniversary date of the date the plan member joined the plan, whichever comes first. [1989 c.331 §10]
OR Rev Stat § 750.595 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.595 - Membership agreement.

An organization must provide a membership agreement to each member of a group that is a party to a legal expense plan. Each membership agreement shall contain at least the following: (1) A listing and clear description of the legal services promised or for which expenses are to be reimbursed and a clear explanation of the limits of the services. (2) The copayments, deductibles or fees, if any, that the member is required to pay. (3) The name and address of the principal place of business of the legal expense organization offering the plan. (4) If the plan offers a limited choice of providing attorneys, a mechanism for providing the services of an alternate attorney in case representation by the designated providing attorney would be improper, unethical or impractical under the circumstances. (5) A provision for review for settling disagreements about the grounds for demanding an alternative attorney or any benefit. (6) All criteria by which a member may be denied renewal of membership. [1989 c.331 §11]
OR Rev Stat § 750.605 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.605 - Unfair, discriminatory or misleading provisions in agreements prohibited; record of transactions.

(1) No provider agreement or membership agreement may contain provisions that are unfair, discriminatory or misleading, that encourage misrepresentation or misunderstandings of the agreement, that might endanger the solvency of the plan or legal expense organization or that are contrary to law. (2) For the duration of each written membership and provider agreement and for six years following its termination, a legal expense organization shall maintain at its principal administrative office adequate books and records of all transactions between the plan and the providing attorneys, and adequate books and records of all transactions between the plan and members thereof. The Director of the Department of Consumer and Business Services shall have reasonable access to the books and records so long as access does not violate or conflict with the attorney-client privilege recognized under the laws of the State of Oregon. [1989 c.331 §13]
OR Rev Stat § 750.615 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.615 - Deposit to reimburse members for unearned premiums required.

An organization shall deposit in an account that is maintained separately from operating funds an amount reasonably calculated to reimburse plan members for unearned premiums. The organization shall hold the amount in a fiduciary capacity. Records shall be kept of all deposits and receipts for a period of not less than six years. [1989 c.331 §14]
OR Rev Stat § 750.625 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.625 - Paying providing attorney contingent on claims experience prohibited.

Compensation paid to a providing attorney shall not be contingent on claims experience. This section does not prevent the compensation of a providing attorney from being based on membership fees collected or the number of claims paid or processed, nor does it prevent a providing attorney from sharing in a fund based on services performed. [1989 c.331 §15]
OR Rev Stat § 750.635 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.635 - Registered agent and registered office in state required.

(1) Each organization shall continuously maintain in this state a registered agent and registered office that may be, but need not be, the same as any of its places of business. (2) A registered agent shall be: (a) An individual who resides in this state and whose business office is identical to the registered office; (b) A domestic corporation or domestic nonprofit corporation whose business office is identical to the registered office; or (c) A foreign corporation or foreign nonprofit corporation authorized to transact business in this state whose business office is identical to the registered office. (3) The Director of the Department of Consumer and Business Services shall be an agent of an organization upon whom process may be served whenever the organization fails to appoint or maintain a registered agent in this state or whenever the registered agent of the organization cannot with reasonable diligence be found at the registered office. [1989 c.331 §16; 2001 c.315 §57]
OR Rev Stat § 750.645 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 750 - Health Care Service Contractors; Multiple Employer Welfare Arrangements; Legal Expense Organizations|Section 750.645 - Annual report; content; names of sales and marketing representatives to be submitted.

(1) Each organization shall provide annually to the Director of the Department of Consumer and Business Services in as much detail as the director may require: (a) A verified financial statement detailing the legal expense organization’s assets, liabilities, unearned premium reserve, loss records and such other items as the director may require so long as such reporting does not violate or conflict with the attorney-client privilege recognized under the laws of the State of Oregon; and (b) A list of the names and addresses of the organization’s providing attorneys. (2) Every legal expense organization shall submit to the director the names of its sales and marketing representatives and their addresses not later than January 1 and July 1 of each year. [1989 c.331 §§17,18]