reglab/housing_qa huggingface dataset:
OR Rev Stat § 737.230 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.230 - Data must include certain information.

The data collected and maintained by each insurer, rating organization or advisory organization pursuant to ORS 737.225 shall be in sufficient detail to demonstrate the statistical significance of differences or correlations relevant to the rating plan definitions and rate differentials. [1979 c.870 §6]
OR Rev Stat § 737.235 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.235 - Examining rating systems of insurers; costs.

(1) The Director of the Department of Consumer and Business Services may make or cause to be made an examination of every insurer transacting any class of insurance to which the provisions of this chapter are applicable to ascertain whether such insurer and every rate and rating system used by it for every such class of insurance complies with the requirements and standards of this chapter. (2) The officers, managers, agents and employees of any insurer, under examination, may be examined at any time under oath and shall exhibit all books, records, accounts, documents or agreements governing its method of operation, together with all data, statistics and information of every kind and character collected or considered by such insurer in the conduct of the operations to which such examination relates. (3) The reasonable cost of any examination authorized by this section shall be paid by the organization or insurer to be examined including actual necessary transportation and traveling expenses. (4) Notwithstanding any other provision of law, all reimbursable expenses collected by the director under subsection (3) of this section shall be deposited in the fund created by ORS 705.145 for the payment of expenses incurred in conducting the examinations authorized by this section. The moneys deposited shall be continuously appropriated for such purpose. [1969 c.690 §12; 1987 c.373 §83]
OR Rev Stat § 737.245 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.245 - Collusive ratings prohibited; liability for damages.

In the event any insurer shall in collusion with any other insurer conspire to fix, set or adhere to insurance rates except as expressly sanctioned by the Insurance Code, such insurer shall be liable to any person damaged thereby for an amount equal to three times the amount of such damage together with the damaged party’s attorney fees. [1969 c.690 §13]
OR Rev Stat § 737.255 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.255 - Authority for cooperative ratings and systems.

Subject to and in compliance with the provisions of this chapter authorizing insurers to be members or subscribers of rating or advisory organizations or to engage in joint underwriting or joint reinsurance, two or more insurers may act in concert with each other and with others with respect to any matters pertaining to the making of rates or rating systems, the preparation or making of insurance policy or bond forms, underwriting rules, surveys, inspections and investigations, the furnishing of loss or expense statistics or other information and data or carrying on of research. [1969 c.690 §17]
OR Rev Stat § 737.265 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.265 - Unauthorized adherence to rates, rating systems; workers’ compensation insurance policy forms.

(1) Members and subscribers of rating or advisory organizations may use the rates, rating systems, underwriting rules or policy or bond forms of such organizations, either consistently or intermittently, but, except as provided in ORS 737.275, 737.312, 737.365, 737.390, 737.526 and subsection (2) of this section, shall not agree with each other or rating organizations or others to adhere thereto. The fact that two or more authorized insurers, whether or not members or subscribers of a rating or advisory organization, use, either consistently or intermittently, the rates or rating systems made or adopted by a rating organization, or the underwriting rules or policy or bond forms prepared by a rating or advisory organization, shall not be sufficient in itself to support a finding that an agreement to so adhere exists, and may be used only for the purpose of supplementing or explaining any competent evidence of the existence of any such agreement. (2) Each insurer transacting workers’ compensation insurance shall adhere to the policy forms filed by the licensed workers’ compensation rating organization of which the insurer is a member and approved by the Director of the Department of Consumer and Business Services. [1969 c.690 §19; 1971 c.385 §4; 1977 c.333 §1; 1981 c.535 §18; 1999 c.235 §3]
OR Rev Stat § 737.270 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.270 - Determination of workers’ compensation premiums for worker leasing company; reporting statistical experience.

(1) When a worker leasing company required to be licensed by ORS 656.850 provides workers to work for a client and also provides the workers’ compensation coverage for those workers, the insurance premium for the client’s exposure shall be based on the client’s own experience rating, in the same manner as required for employers insuring directly employed workers. (2) An insurer that provides workers’ compensation to a worker leasing company shall maintain and report to the licensed workers’ compensation rating organization of which the insurer is a member separate statistical experience for each client of the worker leasing company according to the uniform statistical plan prescribed by the Director of the Department of Consumer and Business Services according to ORS 737.225 (4). (3) To reimburse expenses incurred by the insurer in segregating client experience, the insurer shall be permitted to charge the worker leasing company a reasonable fee as determined by the director. (4) The worker leasing company shall earn a separate experience rating for any administrative personnel the company employs. [1993 c.628 §5; 1999 c.235 §4]
OR Rev Stat § 737.275 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.275 - Preparation of rates, rating systems and other administrative matters by insurers under common ownership.

With respect to any matters pertaining to the making of rates or rating systems, the preparation or making of insurance policy or bond forms, underwriting rules, surveys, inspections and investigations, the furnishing of loss or expense statistics or other information and data, or carrying on of research, two or more admitted insurers having a common ownership or operating in this state under common management or control are hereby authorized to act in concert between or among themselves the same as if they constituted a single insurer, and to the extent that such matters relate to co-surety bonds, two or more admitted insurers executing such bonds are hereby authorized to act in concert between or among themselves the same as if they constituted a single insurer. [1969 c.690 §21]
OR Rev Stat § 737.312 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.312 - Agreements among insurers for assignment of risks; rate modifications.

Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to such insurance but who are unable to procure such insurance through ordinary methods. Such insurers may agree among themselves on the use of reasonable rate modifications for such insurance, such agreements and rate modifications to be subject to the approval of the Director of the Department of Consumer and Business Services. [Formerly 737.180]
OR Rev Stat § 737.316 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.316 - Combining employers for workers’ compensation insurance; conditions.

Notwithstanding ORS 737.600, but subject to all other rate filing requirements of this chapter, an insurer may combine for rating purposes the experience of a group of employers covered for workers’ compensation insurance by the insurer, subject to applicable rules adopted by the Director of the Department of Consumer and Business Services, if: (1) All the employers in the group are members of an organization. (2) The employers in the group constitute at least 50 percent of the employers in the organization, unless the number of covered workers in the group exceeds 500, in which case the employers in the group must constitute at least 25 percent of the employers in the organization. (3) The grouping of employers is likely to substantially improve accident prevention, claims handling for the employers and reduce expenses. [1983 c.706 §6; 1990 c.1 §4]
OR Rev Stat § 737.318 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.318 - Premium audit program for workers’ compensation insurance; rules; penalties.

(1) A workers’ compensation insurer shall maintain a premium audit program to aid in achieving equitable premium charges to Oregon employers and for the collection of credible statewide data for ratemaking. (2) The Director of the Department of Consumer and Business Services shall prescribe by rule a premium audit program system for workers’ compensation insurance. (3) The premium audit system shall include provisions for: (a) Employer education of the audit reporting function of the rating system; (b) A continuing test audit program providing for auditing of all insurers; (c) A continuous monitoring of the audit program system pursuant to ORS 737.235; (d) An appeal process pursuant to ORS 737.505 for employers to question the results of a premium audit. This process must include written notification to the employer that is included in the final premium audit billing that informs the employer of appeal rights to the director under ORS 737.505, of the requirement that a written request to initiate an appeal must be received by the director not later than the 60th day after the employer receives the final premium audit billing and of any other information the director may request by rule; and (e) Civil penalties pursuant to ORS 731.988 for violations of prescribed standards of the premium audit system. (4) Notwithstanding ORS 737.505, the provisions of this section apply to all premium audit disputes between employers and insurers in existence on July 20, 1987, regardless of the policy year involved or the date of the final audit billing. [1987 c.884 §8; 1999 c.1020 §5]
OR Rev Stat § 737.322 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.322 - Rating plan approval; rules; hearing on disapproval; costs.

Notwithstanding any other provision of this chapter: (1) The Director of the Department of Consumer and Business Services shall adopt rules providing for approval of workers’ compensation rating plans that include provisions allowing for reasonable retroactive application of experience rating modification factors. Nothing in this subsection affects retrospective rating plans. (2) If the director disapproves a workers’ compensation rate or rating plan and the insurer or rating organization requests a hearing before the director, the burden of proof is upon the insurer or rating organization to prove that the filing meets the requirements of this chapter. (3) If the director holds a hearing on an order disapproving a workers’ compensation rate, rating plan or rating system, the insurer or rating or advisory organization filing or using the rate, rating plan or rating system shall pay to the director the just and legitimate costs of the hearing, including actual necessary expenses. [1987 c.884 §49; 2007 c.275 §1]
OR Rev Stat § 737.325 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.325 - Suspension or modification of filing requirement; rules; excess rates for specific risks.

(1) Under such rules and regulations as the Director of the Department of Consumer and Business Services adopts, the director, by written order, may suspend or modify the requirement of filing as to any class of insurance, or subdivision or combination thereof, or as to classes of risks, for which the rates cannot practicably be filed before they are used. Such orders, rules and regulations shall be made known to insurers and rating organizations affected thereby. The director may make such examination as the director deems advisable to ascertain whether any rates affected by such order meet the standards set forth in ORS 737.310. (2) Upon the written application of the insured, stating the reasons therefor, filed with the director and approved by the director, a rate in excess of that provided by a filing otherwise applicable may be used on any specific risk. [Amended by 1967 c.359 §311]
OR Rev Stat § 737.330 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.330 - Contracts to comply with effective filings; exception.

(1) No insurer shall make or issue a policy except in accordance with the filings which are in effect for the insurer as provided in this chapter. (2) This section does not apply to policies for inland marine risks as to which filings are not required. [Amended by 1967 c.359 §312; 1969 c.690 §6]
OR Rev Stat § 737.336 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.336 - Disapproval of filings by director; noncompliance with chapter.

(1) If within the waiting period or the extension thereof, if any, as provided in ORS 737.320 (2), the Director of the Department of Consumer and Business Services finds that a filing does not meet the requirements of this chapter, the director shall send to the insurer or rating organization which made such filing written notice of disapproval of such filing, specifying therein in what respects the director finds such filing fails to meet the requirements and stating that such filing shall not become effective. (2) If the director has reason to believe that an insurer or rating or advisory organization is not complying with the requirements and standards of this chapter other than the requirements and standards dealing with rates, rating plans or rating systems, unless the director has reason to believe such noncompliance is willful, the director shall give notice in writing to such insurer or rating or advisory organization stating in what manner such noncompliance is alleged to exist and specifying a reasonable time, not less than 10 days after the date of mailing, in which such noncompliance may be corrected. [1967 c.359 §313; 1969 c.690 §7; 1987 c.774 §144]
OR Rev Stat § 737.340 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.340 - Initiation of proceedings by aggrieved person to determine lawfulness of filings; hearing.

(1) Any person aggrieved with respect to any filing that is in effect, other than the insurer or rating organization that made the filing, may make written application to the Director of the Department of Consumer and Business Services for a hearing on the filing. The application shall specify the grounds to be relied upon by the applicant. (2) If the director finds that the application is made in good faith, that the applicant would be so aggrieved if the grounds are established, and that such grounds otherwise justify holding such a hearing, the director shall do one of the following: (a) Issue an order under ORS 737.045 (1). The director shall not act under this paragraph if the filing concerns a rate, rating plan or rating system subject to ORS 737.320 (1). (b) Hold a hearing, within 30 days after receipt of such application, at a place designated by the director and upon not less than 10 days’ written notice to the applicant and to the insurer or rating organization that made the filing. [Amended by 1967 c.359 §314; 1969 c.690 §9; 1987 c.774 §145]
OR Rev Stat § 737.342 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.342 - Hearing and order procedure.

Conduct of the hearing, issuance of orders pursuant thereto and judicial review of orders shall be as provided in ORS chapter 183. [1971 c.734 §181]
OR Rev Stat § 737.346 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.346

[Formerly 737.512; 1977 c.428 §5; 1979 c.850 §4; 1983 c.754 §1; 1985 c.484 §1; 1987 c.774 §71; 1995 c.79 §362; 1995 c.278 §58; 1995 c.306 §40; renumbered 737.600 in 1999]
OR Rev Stat § 737.350 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.350 - Application for license by rating organization.

No rating organization shall conduct its operations in this state without first filing with the Director of the Department of Consumer and Business Services a written application for a license as a rating organization for such classes of insurance, or subdivision or class of risk or a part or combination thereof as are specified in its application and shall file therewith: (1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing the conduct of its business. (2) A list of its members and subscribers. (3) The name and address of a resident of this state upon whom notices or orders of the director or process affecting such rating organization may be served. (4) A statement of its qualifications as a rating organization. This statement shall be on forms prescribed and furnished by the director and shall include: (a) In the case of a fire insurance rating organization, a showing as to its facilities for inspecting and surveying the various municipalities and fire risks in this state and for inspecting and surveying in this state the facilities for the preventing, confining and extinguishing of fires and such other information as the director may require; and (b) In the case of a title insurance rating organization, a showing that adequate representation, as determined by the director, is provided for title insurance producers. [Amended by 1967 c.359 §318; 1969 c.690 §18; 1979 c.501 §2; 2003 c.364 §97]
OR Rev Stat § 737.355 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 737 - Rates and Rating Organizations|Section 737.355 - Licensing rating organizations generally; licensing workers’ compensation rating organizations; rules; revocation and suspension; fees.

(1) If the Director of the Department of Consumer and Business Services finds that the applicant represents a credible statistical base, is competent, trustworthy and otherwise qualified to act as a rating organization and that its constitution, articles of agreement or association or certificate of incorporation, and its bylaws, rules and regulations governing the conduct of its business conform to the requirements of law, the director shall issue a license specifying the classes of insurance, or subdivision or class of risk or a part or combination thereof for which the applicant is authorized to act as a rating organization. Each application shall be granted or denied in whole or in part by the director within 60 days of the date of its filing with the director. (2) The director need not issue a license to each workers’ compensation rating organization that meets the qualifications and requirements of subsection (1) of this section. Instead, the director may issue licenses to one or more qualifying workers’ compensation rating organizations pursuant to a selection process established by rule. At the end of the period for which one or more licenses are issued, the director may do the following pursuant to the selection process established by rule under this subsection: (a) Renew a license or issue a license to another workers’ compensation rating organization; and (b) Renew or issue licenses to more than one workers’ compensation rating organization. (3) A license issued pursuant to this section shall remain in effect for three years unless suspended or revoked by the director. The license fee shall be as established by the director. A license issued pursuant to this section may be suspended or revoked by the director, after a hearing upon notice, in the event the rating organization ceases to meet the requirements of this section. If a license is issued to only one workers’ compensation rating organization and the license is suspended or revoked, the director may issue a license to another workers’ compensation rating organization for the remainder of the period for which the suspended or revoked license was issued. (4) Each rating organization shall notify the director promptly of every change regarding matters listed in ORS 737.350 (1), (2) and (3). (5) As a condition of receiving and holding its license, a workers’ compensation rating organization must exchange data with other licensed workers’ compensation rating organizations pursuant to rules adopted by the director that may include establishing fees for the exchange of data. [Amended by 1967 c.359 §319; 1971 c.385 §5; 1989 c.413 §9; 1999 c.235 §1]