reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  26-306 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 3 - Representatives|Section 26-306 - Cancellation of Authority of Representative

    If a licensee cancels a representative’s authority to act for the licensee, the licensee immediately shall provide written notice of the cancellation to the Commissioner.
MD. Insurance Code Ann. §  26-307 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 3 - Representatives|Section 26-307 - Denials and Revocations

    (a)    Subject to subsection (c) of this section, the Commissioner shall deny a registration to an appointee or revoke the registration of a registered representative if the Commissioner, for cause and after a hearing, determines that the appointee or representative:        (1)    has made a false or misleading statement about the services offered by, or the business of, the licensee represented by the appointee or representative;        (2)    has been convicted of a crime involving moral turpitude; or        (3)    is otherwise unsuitable to act as a representative.    (b)    If the Commissioner denies or revokes a registration under this section, the Commissioner shall notify the licensee and the representative or appointee of the denial or revocation in writing.    (c)    The Commissioner need not deny or revoke a registration under this section if the Commissioner concludes, based on all the facts and circumstances, that the public interest would not be served by the denial or revocation.
MD. Insurance Code Ann. §  26-308 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 3 - Representatives|Section 26-308 - Judicial Review

    A representative or appointee that is adversely affected by an order of the Commissioner may seek judicial review of the order in accordance with § 2-215 of this article.
MD. Insurance Code Ann. §  26-401 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 4 - Miscellaneous Provisions|Section 26-401 - Limitations on Advertising

    A motor club may not:         (1)    refer to its license or approval from the Commissioner or the State in any advertising, circular, contract, or membership card; or        (2)    advertise or describe its motor club service in a manner that would lead the public to believe that its motor club services include motor vehicle insurance.
MD. Insurance Code Ann. §  26-402 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 4 - Miscellaneous Provisions|Section 26-402 - Service Contract and Membership Card

    (a)    Each motor club shall provide to its members:        (1)    a service contract;        (2)    a membership card; and        (3)    the following information:            (i)    the exact name of the motor club;            (ii)    the street address of the motor club’s home office;            (iii)    the street address of the motor club’s principal place of business in the State;            (iv)    the telephone numbers of the motor club’s home and business offices; and            (v)    a description of the motor club services or benefits to which the member is entitled.    (b)    Unless a motor club provides and the Commissioner approves another form of service contract, the service contract consists of:        (1)    the completed application or renewal application of the motor club;        (2)    the filed fees to be charged to members of the motor club; and        (3)    the description of motor club services or benefits to which the members are entitled.    (c)    A service contract may not:        (1)    contain inconsistent, ambiguous, or misleading clauses, exceptions, or conditions that deceptively affect the risk purported to be assumed or the motor club service to be performed;        (2)    contain an inequitable provision that does not have a substantial benefit to the member;        (3)    require the payment of fees that are unreasonable in relation to the motor club service agreed to be performed; or        (4)    offer reimbursement only, unless the contract clearly states that emergency road service will not be provided.
MD. Insurance Code Ann. §  26-501 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 5 - Prohibited Acts; Penalties|Section 26-501 - Prohibited Acts

    (a)    A person may not act as a representative of a licensee unless the person is registered under Subtitle 3 of this title.    (b)    A person may not sell, solicit, or act as a representative for an unlicensed motor club doing business in the State.
MD. Insurance Code Ann. §  26-501.1 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 5 - Prohibited Acts; Penalties|Section 26-501.1 - Prohibited Acts -- Unlicensed Persons Providing Services

    (a)    This title does not apply to:        (1)    an authorized property and casualty insurer that provides emergency road service, towing service, or a similar type of indemnification under a policy that has been filed with and approved by the Commissioner; or        (2)    an obligor under a mechanical repair contract that provides emergency road service, towing service, or other service that may be offered by a licensed motor club under this title if the mechanical repair contract is offered in compliance with § 15–311.2 of the Transportation Article.    (b)    Unless a person holds a license issued by the Commissioner, the person may not represent to the public, by use of a title, including “motor club” or “licensed motor club”, by description of services, or otherwise, that the person is licensed or otherwise authorized to provide motor club service or engage in the business of a motor club in the State.
MD. Insurance Code Ann. §  26-502 (2021)
2021 Maryland Statutes|Insurance|Title 26 - Motor Clubs|Subtitle 5 - Prohibited Acts; Penalties|Section 26-502 - Penalties

    (a)    A person that willfully violates this title is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $1,000 or imprisonment not exceeding 1 year or both.    (b)    In addition to any other penalty provided in this title, the Commissioner after notice and hearing may impose on a licensee or representative for each violation of this title a penalty:        (1)    not exceeding $25,000 for a licensee; or        (2)    not exceeding $5,000 for a representative.    (c)    Instead of or in addition to a penalty imposed under this section, the Commissioner may require that restitution be made to any citizen who has suffered financial injury because of a violation of this title.
MD. Insurance Code Ann. §  27-101 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 1 - General Provisions|Section 27-101 - Purpose of Title

    The purpose of this title is to regulate trade practices in the business of insurance in accordance with the intent of Congress expressed in the McCarran-Ferguson Act, 15 U.S.C. §§ 1011 through 1015, by defining, or providing for the determination of, all trade practices in the business of insurance in the State that are unfair methods of competition or unfair or deceptive acts or practices and by prohibiting those trade practices.
MD. Insurance Code Ann. §  27-102 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 1 - General Provisions|Section 27-102 - Unfair Trade Practices Prohibited

    A person may not engage in the State in a trade practice that is defined in this title as, or determined under this title to be, an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.
MD. Insurance Code Ann. §  27-103 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 1 - General Provisions|Section 27-103 - Cease and Desist Orders

    (a)    (1)    If the Commissioner finds that a person in the State has engaged or is engaging in an act or practice that is defined in or prohibited under this title, the Commissioner shall order the person to cease and desist from the act or practice.        (2)    The Commissioner shall hold a hearing before the Commissioner issues a cease and desist order under this subsection.        (3)    The Commissioner shall give the person notice of the hearing and the charges against the person.    (b)    The cease and desist order is final:        (1)    if no appeal is taken, when the time allowed for taking an appeal from an order of the Commissioner expires; or        (2)    if an appeal is taken, when the court issues a final decision that affirms the cease and desist order or dismisses the appeal.    (c)    If an appeal is taken, the court shall issue its own order that requires compliance with the terms of the cease and desist order to the extent that the cease and desist order is affirmed.    (d)    Violation of a cease and desist order issued under this section is deemed to be and is punishable as a violation of this article.    (e)    A cease and desist order issued under this section or an order of court that enforces it does not relieve any person affected by the order from any other liability, penalty, or forfeiture under law.    (f)    Regardless of whether a hearing is scheduled or held or a cease and desist order is issued, this section does not affect or prevent the imposition of a penalty provided by this article or other law for violation of another provision of this title.
MD. Insurance Code Ann. §  27-104 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 1 - General Provisions|Section 27-104 - Procedures for Practices Not Expressly Defined

    (a)    If the Commissioner believes that a person engaged in the insurance business is engaging in the State in a method of competition or in an act or practice in the conduct of insurance business that, although not defined in this title, is an unfair method of competition or an unfair or deceptive act or practice and that a proceeding by the Commissioner with respect to the method of competition, act, or practice would be in the public interest, the Commissioner shall:        (1)    give the person notice of the hearing and the charges against the person;        (2)    hold the hearing;        (3)    make a written report of the Commissioner’s findings of fact about the charges; and        (4)    serve a copy of the report on the person against whom the charges were brought and any intervenor at the hearing.    (b)    (1)    If the report charges a violation of this title and the unfair method of competition or unfair or deceptive act or practice continues, the Commissioner, through the Attorney General, after service of the report, may bring an action to enjoin and restrain the person from engaging in the method of competition, act, or practice.        (2)    The Commissioner’s report and findings, all evidence taken in the hearing, and, if a stenographic record of the proceedings in the hearing before the Commissioner was made, a certified transcript of the hearing shall be received in evidence in an action under this subsection.        (3)    In an action under this subsection, the court may issue an injunction or restraining order on any terms that are just.        (4)    The court may not require the Commissioner to give security before the court issues the injunction or restraining order.
MD. Insurance Code Ann. §  27-105 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 1 - General Provisions|Section 27-105 - Appeal by Intervenor

    If an order issued by the Commissioner under § 27-103 of this subtitle or a report of the Commissioner made under § 27-104 of this subtitle does not charge a violation of this title, any intervenor in the proceedings may appeal from the order or report in the time and manner provided in this article for appeals from orders of the Commissioner generally.
MD. Insurance Code Ann. §  27-201 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-201 - Defined

    The commission of an act prohibited under this subtitle is defined as an unfair method of competition and an unfair and deceptive act or practice in the business of insurance.
MD. Insurance Code Ann. §  27-202 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-202 - Misrepresentations About Policies

    A person may not:         (1)    make, issue, circulate, or cause to be made, issued, or circulated an estimate, circular, or statement that misrepresents the terms of a policy issued or to be issued, the benefits or advantages promised by the policy, or the dividends or share of the surplus to be received on the policy;        (2)    make a false or misleading statement about the dividends or share of the surplus previously paid on similar policies;        (3)    make a misleading representation or any misrepresentation about the financial condition of an insurer or about the legal reserve system on which a life insurer operates; or        (4)    use a name or title of a policy or class of policies that misrepresents the true nature of the policy or class of policies.
MD. Insurance Code Ann. §  27-203 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-203 - False Advertisements About Insurance Business

    A person may not make, publish, disseminate, circulate, place before the public, or cause directly or indirectly to be made, published, disseminated, circulated, or placed before the public in a newspaper, magazine, or other publication, in the form of a notice, circular, pamphlet, letter, or poster, over a radio or television station, or in any other way, an advertisement, announcement, or statement that contains an assertion, representation, or statement about the business of insurance or about a person in the conduct of the person’s insurance business that is untrue, deceptive, or misleading.
MD. Insurance Code Ann. §  27-204 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-204 - False Statements About Insurers

    A person may not make, publish, disseminate, or circulate, directly or indirectly, or aid, abet, or encourage the making, publishing, disseminating, or circulating of an oral or written statement or a pamphlet, circular, article, or literature that:         (1)    is false or maliciously critical of or derogatory to the financial condition of an insurer or person proposing to become an insurer; and        (2)    is calculated to injure a person engaged in or proposing to engage in the business of insurance.
MD. Insurance Code Ann. §  27-205 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-205 - False Statements of Financial Condition of Insurer

    (a)    A person may not knowingly file with a supervisory or other public official, make, publish, disseminate, circulate, deliver to another person, place before the public, or cause directly or indirectly to be made, published, disseminated, circulated, delivered to another person, or placed before the public a false statement of the financial condition of an insurer.    (b)    A person may not:        (1)    make a false entry in a book, report, or statement of an insurer with intent to deceive an agent or examiner lawfully appointed to examine the condition or affairs of the insurer or a public official to whom the insurer is required by law to report or who has authority by law to examine the condition or affairs of the insurer; or        (2)    with intent to deceive, willfully omit to make a true entry of a material fact about the business of the insurer in a book, report, or statement of the insurer.
MD. Insurance Code Ann. §  27-206 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-206 - Boycott, Coercion, and Intimidation

    A person may not enter into an agreement to commit, or by concerted action commit, an act of boycott, coercion, or intimidation that results in or tends to result in unreasonable restraint of or monopoly in the business of insurance.
MD. Insurance Code Ann. §  27-207 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-207 - Stock and Contracts as Inducement to Insurance

    A person may not issue, deliver, or allow an agent, officer, or employee of the person to issue or deliver agency company stock or other capital stock, benefit certificates or shares in a corporation, or an advisory board contract or other similar contract that promises returns and profits as an inducement to insurance.
MD. Insurance Code Ann. §  27-209 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-209 - Rebates -- Life Insurance, Health Insurance, and Annuities

    (a)    Except as otherwise expressly provided by law, a person, including a health maintenance organization, may not knowingly:        (1)    allow, make, or offer to make a contract of life insurance or health insurance or an annuity contract or an agreement as to the contract other than as plainly expressed in the contract;        (2)    pay, allow, give, or offer to pay, allow, or give directly or indirectly as an inducement to the insurance or annuity:            (i)    a rebate of premiums payable on the contract;            (ii)    a special favor or advantage in the dividends or other benefits under the contract;            (iii)    paid employment or a contract for services of any kind; or            (iv)    any valuable consideration or other inducement not specified in the contract;        (3)    directly or indirectly give, sell, purchase, offer or agree to give, sell, or purchase, or allow as inducement to the insurance or annuity or in connection with the insurance or annuity, regardless of whether specified in the policy or contract, an agreement that promises returns and profits, or stocks, bonds, or other securities, or a present or contingent interest in or measured by stocks, bonds, or other securities, of an insurer or other corporation, association, or partnership, or dividends or profits accrued or to accrue on stocks, bonds, or other securities; or        (4)    offer, promise, or give any valuable consideration not specified in the contract, except for educational materials, promotional materials, or articles of merchandise that cost no more than $50.    (b)    A person may not make receipt of any educational materials, promotional materials, or articles of merchandise under subsection (a)(4) of this section contingent on the sale or purchase of insurance.
MD. Insurance Code Ann. §  27-211 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-211 - Use of Insurance as Inducement

    (a)    This section does not apply to:        (1)    insurance on the life of a debtor in connection with a specific loan or other credit transaction;        (2)    insurance on a debtor that provides indemnity for payments that are due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy; or        (3)    life insurance or an annuity used to fund a pre-need contract as defined in § 7-101 of the Health Occupations Article or a preneed burial contract as defined in § 5-701 of the Business Regulation Article.    (b)    An insurer may not directly or indirectly, or by an insurance producer or representative of the insurer, participate in a plan to offer or effect a kind or kinds of life insurance, health insurance, or annuities in the State as an inducement to, or in combination with, the purchase by the public of goods, securities, commodities, services or subscriptions to periodicals.
MD. Insurance Code Ann. §  27-213 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-213 - Twisting Prohibited

    A person may not make, issue, or cause to be made or issued an oral or written statement that misrepresents or makes incomplete comparisons about the terms, conditions, or benefits contained in a policy for the purpose of inducing or attempting or tending to induce the policyholder to forfeit, surrender, retain, exchange, or convert a policy or allow a policy to lapse.
MD. Insurance Code Ann. §  27-214 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 2 - Unfair Methods of Competition and Unfair and Deceptive Acts or Practices|Section 27-214 - Coerced or Tie-in Sales

    (a)    (1)    A person may not require another person to buy insurance through a particular insurance producer or insurer as a condition, agreement, or understanding with respect to selling or providing a loan, credit, sale, goods, property, contract, lease, or service to the other person.        (2)    An insurance producer or insurer may not participate in a combination plan or transaction prohibited by paragraph (1) of this subsection.    (b)    (1)    A person may not solicit the combination of insurance and other matters prohibited by subsection (a) of this section.        (2)    An insurance producer or insurer may not participate in a plan of public solicitation of the combination of insurance and other matters prohibited by subsection (a) of this section.        (3)    This subsection does not prohibit a person from being an insurance producer and engaging in another business at the same time or place if:            (i)    the sales of insurance and other matters are not combined or coerced as prohibited by subsection (a) of this section; and            (ii)    the buyer or other person has the free choice of insurance.    (c)    (1)    Violation of this section does not invalidate any contract or transaction.        (2)    Notwithstanding a combination contract, tying agreement, understanding, or condition to the contrary, the person required to buy or pay for insurance or to bid ex–insurance may substitute at any time other insurance from insurance producers or insurers chosen by the person, or may decline further insurance coverage if the insurance is other than to protect the interest of a lender, property owner, or other person.