reglab/housing_qa huggingface dataset:
NY Ins L § 2348 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2348 - Anti-Theft and Fraud Savings.

§  2348.  Anti-theft and fraud savings.  In the review and approval of   rate filings submitted pursuant to section two  thousand  three  hundred   twenty-eight  or  section  two  thousand  three  hundred  fifty  of this   article, the superintendent shall take steps appropriate to ensure  that   the  rates of each insurer reflect that insurer's savings resulting from   reduced theft and fraud due to the impact of anti-theft  and  anti-fraud   programs  supported  by  the  New York motor vehicle theft and insurance   fraud prevention fund.
NY Ins L § 2349 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2349 - Multi-Tier Program.

§  2349.  Multi-tier  program.  (a)  An  insurer  may make available a multi-tier program, with more than one rate level in the  same  company, for  private  passenger motor vehicle insurance in the voluntary market, provided that:  (1) the program and the insurer's business plan encourage depopulation of the assigned risk plan established by  article  fifty-three  of  this chapter;  (2)  the  program  is based upon mutually exclusive underwriting rules per tier, to the extent feasible;  (3) credits and surcharges pursuant to an approved rating plan can  be applied on a per tier basis; and  (4)   the   program   conforms   to  regulations  promulgated  by  the superintendent.  (b) For  an  insurer  with  an  approved  multi-tiering  program,  the provisions  of  subsection  (f)  of  section three thousand four hundred twenty-five of this chapter shall apply in all respects, except that the two percent limitation set forth therein shall:  (1) not apply to any risk moved from a tier to a lower-rated tier; and  (2) be deemed to be three percent for risks moved from  a  tier  to  a higher-rated tier.
NY Ins L § 2351 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2351 - Homeowners' Insurance Policies.

§  2351.  Homeowners' insurance policies. (a) For the purposes of this section, "homeowners insurance" means a contract of  insurance  insuring against  the  contingencies described in subparagraphs (A), (B) and (C), or (B) and (C) of paragraph two  of  subsection  (a)  of  section  three thousand  four  hundred  twenty-five  of  this  chapter  and  which is a "covered  policy"  of  personal  lines  insurance  as  defined  in  such paragraph;  provided,  however,  that  the coverages provided under such subparagraphs (B) and (C) shall not apply where the natural person  does not  have  an  insurable  interest  in  the  real property, or a portion thereof, or the residential unit in which such person resides.  (b) Multi-tier programs. An insurer may make  available  a  multi-tier program  with  more  than  one  rate  level  in  the  same  company  for homeowners' insurance in the voluntary market provided that:  (1) the program and the insurer's business plan encourage availability of homeowners' insurance in the voluntary market for  insureds  in  high risk areas, including coastal areas;  (2)  the  program  is  based  upon  mutually  exclusive  and objective eligibility rules per tier, to the extent feasible; and  (3) credits can be applied on a per tier basis pursuant to an approved rating plan.  (c) Prior to the approval of the provision  authorized  in  subsection (b)  of  this  section,  the  superintendent  may  promulgate  rules and regulations governing the application of such provision.
NY Ins L § 2352 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2352 - Multiple Rating Programs.

§  2352. Multiple rating programs. (a) Subject to the superintendent's prior approval, an insurer may establish more than  one  rating  program within  the  same  company for policies of insurance that are subject to section  three  thousand  four  hundred  twenty-five  of  this  chapter; provided that:  (1)  each rating program shall apply only to policies newly written on or after the effective date of the  rating  program  but  prior  to  the effective  date  of  any  subsequently approved rating program; provided however if an insurer terminates a  rating  program,  then  the  insurer shall  renew  the  policies  that  were subject to the terminated rating program in a subsequently approved rating program.  (2) the provisions of subsection (f) of section  three  thousand  four hundred  twenty-five  and  subsection  (b) of section two thousand three hundred forty-nine of this chapter  shall  be  applied  to  each  rating program separately.  (b)  The  superintendent  may  promulgate  rules  and  regulations  to implement the provisions of this section.
NY Ins L § 2401 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2401 - Purpose.

§  2401.  Purpose.  The  purpose  of this article is to regulate trade   practices in the business of insurance, including the business  of  life   settlements,  in  accordance with the intent of congress as expressed in   Public Law  15,  79th  Congress,  by  defining,  or  providing  for  the   determination  of,  all  such  practices  in  this state that constitute   unfair methods of competition or unfair or deceptive acts  or  practices   and by prohibiting the trade practices so defined or determined.
NY Ins L § 2402 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2402 - Definitions.

§  2402.  Definitions.  In  this  article:  (a)  "Person"  means any individual and any  legal  entity  subject  to  any  provision  of  this chapter,  engaged  in the business of insurance in this state, including any reciprocal exchange or Lloyds insurer, or in the  business  of  life settlements.  (b)  "Defined  violation"  means  the commission by a person of an act prohibited by: subsection (a) of section one thousand one  hundred  two, section  one  thousand  two  hundred  fourteen, one thousand two hundred seventeen, one thousand two hundred twenty, one thousand  three  hundred thirteen, subparagraph (B) of paragraph two of subsection (i) of section one thousand three hundred twenty-two, subparagraph (B) of paragraph two of subsection (i) of section one thousand three hundred twenty-four, two thousand  one  hundred  two,  two  thousand  one  hundred seventeen, two thousand one hundred twenty-two, two thousand one hundred  twenty-three, subsection  (p)  of section two thousand three hundred thirteen, section two thousand three hundred twenty-four, two thousand five  hundred  two, two  thousand  five  hundred  three, two thousand five hundred four, two thousand six hundred one, two thousand six hundred two, two thousand six hundred three, two thousand six hundred four, two thousand  six  hundred six,  two thousand seven hundred three, three thousand one hundred nine, three thousand two hundred twenty-four-a, three  thousand  four  hundred twenty-nine,  three  thousand four hundred thirty-three, paragraph seven of subsection (e) of section three  thousand  four  hundred  twenty-six, four  thousand  two  hundred  twenty-four,  four  thousand  two  hundred twenty-five, four thousand two hundred twenty-six, seven thousand  eight hundred  nine,  seven  thousand  eight hundred ten, seven thousand eight hundred eleven, seven thousand eight hundred  thirteen,  seven  thousand eight  hundred fourteen and seven thousand eight hundred fifteen of this chapter; or section  135.60,  135.65,  175.05,  175.45,  or  190.20,  or article one hundred five of the penal law.  (c) "Determined  violation"  means any unfair method of competition or any unfair or  deceptive  act  or  practice,  which  is  not  a  defined violation  but  is  determined by the superintendent pursuant to section two thousand four hundred five of this article to be such method, act or practice.
NY Ins L § 2403 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2403 - Unfair Methods of Competition or Unfair and Deceptive Acts or Practices Prohibited.

§  2403. Unfair methods of competition or unfair and deceptive acts or   practices prohibited. No person shall engage in this state in any  trade   practice  constituting  a defined violation or a determined violation as   defined herein.
NY Ins L § 2404 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2404 - Power of Superintendent.

§  2404.  Power  of superintendent. The superintendent is empowered to   examine and investigate into the affairs  of  any  person  in  order  to   determine  whether  the  person has violated or is violating section two   thousand four hundred three of this article.   In the event  any  person   does not provide a good faith response to a request for information from   the superintendent, within a time period specified by the superintendent   of  not  less  than  fifteen business days, as part of an examination or   investigation initiated by the superintendent pursuant to  this  section   relating  to  accident  insurance, health insurance, accident and health   insurance   or   health   maintenance   organization    coverage,    the   superintendent  is authorized, after notice and hearing, to levy a civil   penalty against such person in an amount  not  to  exceed  five  hundred   dollars  per  day  for  each  day  beyond  the  date  specified  by  the   superintendent for response, but in no event shall such  penalty  exceed   ten  thousand  dollars.  In  the  event  the  superintendent levies five   separate civil penalties against any one person within  five  years  for   failure  to  comply with this section, the superintendent is authorized,   after notice and hearing, to levy an additional  civil  penalty  against   such  person  in  an  amount  not  to exceed fifty thousand dollars. The   superintendent is also authorized to levy additional civil penalties not   to exceed fifty thousand dollars, after notice and hearing, against such   person for every five subsequent violations of  this  section  within  a   five  year period. Any person licensed pursuant to article twenty-one of   this chapter may surrender such license in lieu of payment of any  civil   penalty imposed by the superintendent pursuant to this section.
NY Ins L § 2405 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2405 - Hearings and Reports on Defined Violations and Determined Violations.

§  2405.  Hearings  and  reports  on defined violations and determined violations. (a) Whenever the superintendent has reason to believe that a person has committed or is committing a defined violation  or  has  been engaged  in  or  is engaging in any method of competition, or any act or practice,  which  could  become  a  determined  violation  and  that   a proceeding  thereon  would  be  in  the interest of the public, he shall serve upon the person in the manner provided by  section  three  hundred three  of  this  chapter,  a  statement  of  the charges and notice of a hearing to be held at a time not less than ten days after  the  date  of service of the notice and at the place fixed in the notice.  (b)  The  person  shall have an opportunity at the hearing to be heard personally or by counsel, and, in the case of a  defined  violation,  to show  cause  why  an  order  should  not  be  made by the superintendent requiring the person to  cease  and  desist  from  the  charged  defined violation. Upon good cause shown, the superintendent shall permit anyone to  intervene,  appear  and  be  heard  at  the hearing personally or by counsel.  (c) After the hearing, the superintendent shall make a written  report containing  his  findings, and shall serve a copy of the report upon the person and any intervenor.
NY Ins L § 2406 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2406 - Procedure After Report; Defined Violation.

§ 2406. Procedure after report; defined violation.  (a) If the hearing was  on a charge of a defined violation the superintendent shall make an order on his report and serve a copy of the findings and order upon  the person   charged   with   the  violation  and  any  intervenor.  If  the superintendent finds that the person complained  of  has  engaged  in  a defined  violation,  the  order  shall  require  the person to cease and desist from engaging in such defined violation.    Furthermore,  if  the superintendent   finds,  after  notice  and  hearing,  that  the  person complained of has engaged in an act prohibited by section three thousand two  hundred  twenty-four-a  of  this  chapter,  the  superintendent  is authorized  to  levy a civil penalty against such person in an amount up to five hundred dollars per day for each day beyond the date that a bill or claim was to be processed in accordance with section  three  thousand two  hundred  twenty-four-a  of this chapter, but in no event shall such penalty exceed five thousand dollars.  (b) Until a proceeding for judicial review has been commenced, or  the time  to  commence  the  proceeding has expired, the superintendent may, upon notice and in the manner he deems proper, modify or set  aside  all or part of any order issued by him under this section.  (c)  If a proceeding for judicial review has not been commenced within the time allowed, the superintendent may, after notice  and  opportunity for  hearing,  modify  or set aside, all or part, of any order issued by him under this section, whenever in his opinion  changed  conditions  of fact or law or the public interest require.  (d)  A  cease and desist order issued under this section is final upon the expiration of the time  allowed  for  commencing  a  proceeding  for judicial review if no proceeding has been commenced within such time, or upon  the  final decision of the court affirming the order or dismissing the proceeding.  (e) Any person who violates a cease and desist  order  issued  by  the superintendent  under  this section after it has become final, and while it is in effect, shall be liable to the  people  of  this  state  for  a penalty  in  an  amount  not  to  exceed  five thousand dollars for each violation. In determining the amount of  the  penalty  the  question  of whether  the  violation  was  wilful  shall be taken into consideration. Nothing herein shall limit a court in enforcing its own orders.
NY Ins L § 2407 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2407 - Procedure After Report; Determined Violation.

§  2407.  Procedure  after  report;  determined  violation. (a) If the report charges a determined violation and if the method of  competition, act  or  practice  constituting  such  determined violation has not been discontinued, the superintendent may, through the attorney  general,  at any  time  after  the  service  of  the  report  cause  an  action to be instituted to  enjoin  the  person  from  engaging  in  such  determined violation.  (b)  The  court  may  on  motion  and  affidavits  grant a preliminary injunction and interlocutory injunction upon such terms as may be just.  (c)  A  certified   transcript   of   the   proceedings   before   the superintendent  including all evidence taken and the report and findings shall be received in evidence in the action.
NY Ins L § 2408 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2408 - Judicial Review by Intervenor.

§   2408.  Judicial  review  by  intervenor.  If  the  report  of  the   superintendent made pursuant to subsection (c) of section  two  thousand   four  hundred  five  of  this article or the order of the superintendent   made pursuant to subsection (a) of section two thousand four hundred six   of this article does not charge a violation of this  article,  then  any   intervenor  in  the proceedings may, after the service of such report or   order upon the intervenor and within the time allowed by law, commence a   proceeding for judicial review.
NY Ins L § 2409 (2021)
2021 New York Laws ISC - Insurance Article 24 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices 2409 - Effect on Other Powers and Laws.

§  2409. Effect on other powers and laws. (a) The powers vested in the superintendent by this article shall be additional to any  other  powers to  enforce  any  penalties, fines or forfeitures authorized by law with respect to the methods,  acts  and  practices  defined  in  section  two thousand  four  hundred  two  of  this  article as defined violations or determined violations.  (b) No order of the superintendent under this article or  order  of  a court  to  enforce the same shall in any way relieve any person affected by the order from any liability under any other law.
NY Ins L § 2503 (2021)
2021 New York Laws ISC - Insurance Article 25 - Prohibitions Against Controlled Business 2503 - Designation of Particular Insurer, Agent, Broker or Fund for Insurance Provided to Discharge Statutory Requirement.

§  2503.  Designation of particular insurer, agent, broker or fund for   insurance provided to discharge statutory requirement. No  person,  firm   or  corporation  who  or  which  shall  be  the  primary  beneficiary of   insurance provided in discharge of any  statutory  requirement  of  this   state,  and  no  representative  of  any  primary  beneficiary  of  such   insurance, shall require anyone obligated to comply with such  statutory   requirement,  to  obtain  such  insurance  from  a  particular insurance   company, insurance fund of this state, agent, or broker.
NY Ins L § 2504 (2021)
2021 New York Laws ISC - Insurance Article 25 - Prohibitions Against Controlled Business 2504 - Designation of Particular Insurer, Agent or Broker for Insurance in Certain Public Construction Contracts.

§  2504.  Designation  of  particular  insurer,  agent  or  broker for insurance in certain public construction contracts. (a) (1)  No  officer or  employee  of  this state, or of any public corporation as defined in section sixty-six of the general construction  law,  or  of  any  public authority,  and  no person acting or purporting to act on behalf of such officer, employee, public corporation or public authority,  shall,  with respect  to  any public building or construction contract which is about to be, or which has been, competitively bid, require the bidder to  make application  to any particular insurance company, agent or broker for or to obtain or procure therefrom, any surety bond or contract of insurance specified in connection with such contract, or  specified  by  any  law, general, special or local.  (2)   In  paragraph  one  hereof,  "public  corporation"  and  "public authority" shall not include:  (A) a public corporation  or  public  authority  created  pursuant  to agreement or compact with another state, or  (B) the city of New York, a public corporation or public authority, in connection   with   the   construction   of  electrical  generating  and transmission facilities or construction,  extensions  and  additions  of light rail or heavy rail rapid transit and commuter railroads.  (b)  No  such  officer or employee, and no person, firm or corporation acting or purporting to act on behalf of such officer or employee, shall negotiate, make application for, obtain or procure any  of  such  surety bonds  or  contracts  of  insurance  (except  contracts of insurance for builders risk or owners protective liability) which can be  obtained  or procured by the bidder, contractor or subcontractor.  (c)  This  section  shall  not,  however, prevent the exercise by such officer or employee on behalf of the state or such public corporation or public authority of its right  to  approve  the  form,  sufficiency,  or manner of execution, of surety bonds or contracts of insurance furnished by the insurance company selected by the bidder to underwrite such bonds or  contracts.  Any  provisions in any invitation for bids, or in any of the contract documents, in conflict herewith are contrary to the  public policy of this state.
NY Ins L § 2505 (2021)
2021 New York Laws ISC - Insurance Article 25 - Prohibitions Against Controlled Business 2505 - Designation of Particular Insurer, Agent or Broker for Construction Contracts Generally.

§  2505.  Designation  of  particular  insurer,  agent  or  broker for construction contracts generally. (a) In any  building  or  construction contract  bid, negotiated or executed except as described in section two thousand  five  hundred  four  of  this  article,   no   contractor   or subcontractor  shall  be required to pay premiums or related charges for policies of insurance or surety bonds specified in connection with  such contract  on  policies  or  surety  bonds  acquired by an owner or other contractor. No contractor or subcontractor shall  be  required  to  make application to any particular insurance company, agent or broker for, or to  obtain  or procure therefrom, any policy of insurance or surety bond specified in connection with such contract, or  specified  by  any  law, general, special or local.  (b)  This  section  shall  not,  however,  prevent  an  owner or other contractor  from  providing  all  insurance  policies  or  surety  bonds required  by  such contract without reimbursement from the contractor or subcontractor. Nor shall it  preclude  such  owner  or  contractor  from requiring  that  the contractor or subcontractor provide a credit in his bid which reflects the amount the bidding  contractor  or  subcontractor would  otherwise add if he provided his own insurance as required in the bid specifications. This section shall not deny an owner  or  contractor the  right  to approve the form, sufficiency, or manner of execution, of any insurance policies  or  surety  bonds  furnished  by  the  insurance company selected by the bidder.
NY Ins L § 2602 (2021)
2021 New York Laws ISC - Insurance Article 26 - Unfair Claim Settlement Practices; Other Misconduct; Discrimination 2602 - Rebates on Life Insurance; Witnesses' Immunity.

§  2602. Rebates on life insurance; witnesses' immunity. (a) No person shall knowingly receive any rebate or allowance or  deduction  from  any premium,  or any valuable thing, special favor or advantage whatever not specified in the policy, as an inducement to take  any  policy  of  life insurance.  (b)  In  any  criminal proceeding before any court or grand jury for a violation of this section, the court or grand jury may  confer  immunity in  accordance  with  the  provisions  of section 50.20 or 190.40 of the criminal procedure law.
NY Ins L § 2603 (2021)
2021 New York Laws ISC - Insurance Article 26 - Unfair Claim Settlement Practices; Other Misconduct; Discrimination 2603 - Issue or Circulation of False Literature.

§  2603.  Issue  or  circulation  of  false  literature.  No insurance   corporation, or any officer, director or agent thereof, shall  issue  or   circulate,  or cause or permit to be issued or circulated, in this state   any illustration, circular or statement indicating the  corporation  can   transact  in this state any business of a character except that which it   is authorized to transact under its certificate of authority  issued  by   the superintendent.
NY Ins L § 2604 (2021)
2021 New York Laws ISC - Insurance Article 26 - Unfair Claim Settlement Practices; Other Misconduct; Discrimination 2604 - False Statements as to Insurers.

§  2604.  False  statements as to insurers. No person shall either (i)   wilfully make, circulate or transmit to another any  statement  written,   printed  or by word of mouth, which is untrue in fact and is directly or   by inference derogatory to  the  financial  condition,  or  affects  the   solvency  or  financial  standing, of any insurer doing business in this   state, or (ii) knowingly counsel, aid,  procure  or  induce  another  to   start, transmit or circulate any such statement.