reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2205 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2205. Pretext interviews

 §2205. Pretext interviews A regulated insurance entity or insurance support organization may not use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction unless that entity or organization does not have a generally or statutorily recognized privileged relationship with the insurance consumer about whom the information is related, the interview is conducted for the purpose of investigating a claim and there is a reasonable basis, supported by specific information available for review by the superintendent, for suspecting criminal activity, fraud, material misrepresentation or material nondisclosure.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2207 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2207. Marketing and research surveys

 §2207. Marketing and research surveys A regulated insurance entity that asks questions in connection with an insurance transaction shall clearly identify any questions that are designed to obtain information solely for marketing or research purposes and shall inform consumers that answering the questions is voluntary.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2209 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2209. Investigative consumer reports

 §2209. Investigative consumer reports 1.  Required notice.  A regulated insurance entity or insurance support organization may not prepare or request an investigative consumer report about an insurance consumer in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the regulated insurance entity complies with Title 10, section 1314 and informs the consumer in writing that the consumer may request to be interviewed in connection with the preparation of the investigative consumer report.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 2.  Personal interview.  If an investigative consumer report is to be prepared by the regulated insurance entity, the regulated insurance entity shall institute reasonable procedures to conduct a personal interview when requested by a consumer.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 3.  Insurance support organization.  If an investigative consumer report is to be prepared by an insurance support organization, the regulated insurance entity requesting the report shall inform the insurance support organization whether a personal interview has been requested by the consumer. The insurance support organization shall institute reasonable procedures to conduct such interviews.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2212 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2212. Reasons for adverse underwriting decisions

 §2212. Reasons for adverse underwriting decisions 1.  Notice to consumer.  In the event of an adverse underwriting decision, the carrier or producer responsible for the decision shall:   A. Comply with the federal Fair Credit Reporting Act, 15 United States Code, Section 1681m if the decision is based in whole or in part on any information contained in a consumer report;   [PL 2013, c. 588, Pt. D, §6 (AMD).]B. Either provide the consumer with the specific reason or reasons for the adverse underwriting decision in writing or advise the consumer that upon written request the consumer may receive the specific reason or reasons in writing; and   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]C. Provide the consumer with a summary of the rights established under subsection 2 and sections 2210 and 2211.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).][PL 2013, c. 588, Pt. D, §6 (AMD).] 2.  Request for explanation.  If a consumer makes a written request for explanation of an adverse underwriting decision within 90 days after receiving written notice of the decision, the carrier or producer shall furnish to the consumer within 21 days after receiving the request:   A. The specific reason or reasons for the adverse underwriting decision, in writing, if such information was not initially furnished in writing pursuant to subsection 1, paragraph A or B;   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]B. The specific items of personal information that support those reasons, except that:   (1) The carrier or producer is not required to furnish confidential investigative information if it has a reasonable suspicion, based upon specific information available for review by the superintendent, that the consumer has engaged in criminal activity, fraud, material misrepresentation or material nondisclosure; and   (2) In lieu of disclosure directly to the consumer, the carrier or producer may elect to disclose health care information to a person designated by the consumer who is licensed to provide health care with respect to the condition to which the information relates; and   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]C. The names and addresses of the institutional sources that supplied the specific items of information pursuant to paragraph B, except that the carrier may elect to disclose the identity of any health care provider to the consumer's designated health care practitioner.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).][PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 3.  Satisfaction by other carrier, producer or administrator.  The obligations imposed by this section upon a carrier or producer may be satisfied by another carrier, producer or administrator authorized to act on its behalf.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF). PL 2013, c. 588, Pt. D, §6 (AMD).
24-A ME Rev Stat § 2213 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2213. Information concerning previous adverse underwriting decisions

 §2213. Information concerning previous adverse underwriting decisions Unless an inquiry of a regulated insurance entity or insurance support organization also requests the reasons for the underwriting decision or placement, a regulated insurance entity or insurance support organization may not seek information in connection with an insurance transaction concerning:   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]1.  Previous adverse decision.  Any previous adverse underwriting decision experienced by an insurance consumer; or   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 2.  Residual market, surplus lines or substandard risk carrier.  Any previous insurance coverage obtained by a consumer through a residual market, a surplus lines insurer or a carrier that specializes in substandard risks.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2214 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2214. Previous adverse underwriting decisions

 §2214. Previous adverse underwriting decisions A carrier, producer or producer agency may not base an adverse underwriting decision in whole or in part:   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]1.  Previous adverse underwriting decisions.  On the fact of a previous adverse underwriting decision or on the fact that a consumer previously obtained insurance coverage through a residual market, a surplus lines insurer or a carrier that specializes in substandard risks. However, a carrier or producer may base an adverse underwriting decision on further information obtained from a carrier, producer or producer agency responsible for a previous adverse underwriting decision; or   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 2.  Information from insurance support organizations.  On personal information received from an insurance support organization whose primary source of information is insurance carriers. However, a carrier or producer may base an adverse underwriting decision on further personal information obtained as a result of information received from the insurance support organization, including primary source information confirming the information received from the insurance support organization.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2216 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2216. Insurance support organizations

 §2216. Insurance support organizations 1.  Examination and investigation.  The superintendent may examine and investigate into the affairs of every insurance support organization acting on behalf of a regulated insurance entity that either transacts business in this State or transacts business outside this State that has an effect on a resident of this State in order to determine whether the insurance support organization has been or is engaged in any conduct in violation of this chapter.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 2.  Service of process.  An insurance support organization transacting business outside this State that has an effect on a resident of this State is deemed to have appointed the superintendent to accept service of process on its behalf. Service is complete when the superintendent sends a copy of the process by registered mail to the insurance support organization at its last known principal place of business. The return receipt is sufficient proof that notice was properly mailed by the superintendent.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2217 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2217. Individual remedies

 §2217. Individual remedies 1.  Appeal to superintendent.  Any insurance consumer aggrieved by a regulated insurance entity's or insurance support organization's response or failure to respond to a request made pursuant to sections 2210, 2211 and 2212 may appeal to the superintendent, who may convene an adjudicatory hearing to determine whether there has been a violation of this chapter and may order the regulated insurance entity or insurance support organization to take such measures as are necessary to comply with this chapter.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 2.  Superior Court action.  An insurance consumer who is injured by a disclosure of information relating to the consumer in violation of section 2215 may bring an action in the Superior Court against the regulated insurance entity or insurance support organization within 2 years after the disclosure is or should have been discovered. The consumer may recover damages, together with costs and disbursements, reasonable attorney's fees and interest on damages at the rate of 1 1/2% per month.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] 3.  No private right of action.  Except as specifically provided in this section, this chapter provides no express or implied private right of action.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).] SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2218 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2218. Immunity

 §2218. Immunity No cause of action in the nature of defamation, invasion of privacy or negligence arises against any person for disclosing personal information in accordance with this chapter, nor does such a cause of action arise against any person for furnishing personal information to a regulated insurance entity or insurance support organization. This section provides no immunity for disclosing or furnishing false information with malice or willful intent to injure any person.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2219 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2219. Criminal penalties

 §2219. Criminal penalties A person who knowingly obtains personal information under false pretenses from a regulated insurance entity or insurance support organization is guilty of obtaining personal insurance information under false pretenses. Obtaining personal insurance information under false pretenses is a Class D crime.   [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF).
24-A ME Rev Stat § 2220 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24: INSURANCE INFORMATION AND PRIVACY PROTECTION ACT|24-A §2220. Rulemaking

 §2220. Rulemaking The superintendent may adopt rules to carry out the purposes of this chapter and the privacy protection provisions of the federal Gramm-Leach-Bliley Act, 15 United States Code, Section 6801 et seq. (1999). Rules adopted pursuant to this chapter are routine technical rules as defined by Title 5, chapter 375, subchapter II‑A.   [PL 2001, c. 262, Pt. C, §3 (AMD).]SECTION HISTORY PL 1997, c. 677, §3 (NEW). PL 1997, c. 677, §5 (AFF). PL 2001, c. 262, §C3 (AMD).
24-A ME Rev Stat § 2242 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-A: PROTECTION OF BENEFICIARIES OF STRUCTURED SETTLEMENTS|24-A §2242. Notice and registration requirements of transferees of structured settlements

 §2242. Notice and registration requirements of transferees of structured settlements 1.  Notice.  A transferee of structured settlement payment rights that intends to do business in this State shall, prior to doing business, pay the appropriate fee at the rate established in section 601 and furnish notice to the superintendent to:   A. Identify the state in which the transferee is domiciled;   [PL 1999, c. 268, §2 (NEW).]B. Identify the principal place of business of the group; and   [PL 1999, c. 268, §2 (NEW).]C. Provide such other information as may be required by the superintendent.   [PL 1999, c. 268, §2 (NEW).][PL 1999, c. 268, §2 (NEW).] 2.  Registration.  The transferee shall register with the superintendent and designate an agent solely for the purpose of receiving service of legal documents or process.   [PL 1999, c. 268, §2 (NEW).] 3.  Application of law.  Any transferee that was doing business in this State prior to the effective date of this chapter within 30 days after the effective date of this chapter shall furnish notice to the superintendent pursuant to the requirements of subsection 1 and shall comply with the requirements of subsection 2.   [PL 1999, c. 268, §2 (NEW).] 4.  Notice of change.  A transferee that intends to do business or is doing business in this State shall notify the superintendent within 10 days of any subsequent changes in any information or other items provided pursuant to this section.   [PL 1999, c. 268, §2 (NEW).] SECTION HISTORY PL 1999, c. 268, §2 (NEW).
24-A ME Rev Stat § 2244 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-A: PROTECTION OF BENEFICIARIES OF STRUCTURED SETTLEMENTS|24-A §2244. Jurisdiction; filing

 §2244. Jurisdiction; filing 1.  Jurisdiction.  The Superior Court has nonexclusive jurisdiction over any application for authorization under this chapter of a transfer of structured settlement payment rights.   [PL 1999, c. 268, §2 (NEW).] 2.  Filing.  Not less than 30 days prior to the scheduled hearing on any application for authorization of a transfer of structured settlement payment rights under this chapter, the transferee shall file with the court or responsible administrative authority and serve on any other government authority that previously approved the structured settlement, all interested parties, the structured settlement obligor and annuity issuer a notice of the proposed transfer and the application of its authorization, including in that notice:   A. A copy of the transferee's application;   [PL 1999, c. 268, §2 (NEW).]B. A copy of the transfer agreement;   [PL 1999, c. 268, §2 (NEW).]C. A copy of the disclosure statement required under section 2243, subsection 2, paragraph B;   [PL 1999, c. 268, §2 (NEW).]D. Notification that any interested party, structured settlement obligor or annuity issuer is entitled to support, oppose or otherwise respond to the transferee's application, either in person or by counsel, by submitting written comments to the court or responsible administrative authority or by participating in the hearing; and   [PL 1999, c. 268, §2 (NEW).]E. Notification of the time and place of the hearing and notification of the manner in which and the time by which written responses to the application must be filed, which may be not less than 30 days after service of the transferee's notice, in order to be considered by the court or responsible administrative authority.   [PL 1999, c. 268, §2 (NEW).][PL 1999, c. 268, §2 (NEW).] SECTION HISTORY PL 1999, c. 268, §2 (NEW).
24-A ME Rev Stat § 2245 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-A: PROTECTION OF BENEFICIARIES OF STRUCTURED SETTLEMENTS|24-A §2245. Prohibitions

 §2245. Prohibitions 1.  Prohibition against waiver.  The provisions of this chapter may not be waived.   [PL 1999, c. 268, §2 (NEW).] 2.  Prohibition against penalty.  A payee who proposes to make a transfer of structured settlement payment rights may not incur a penalty, forfeit an application fee or other payment or otherwise incur any liability to the proposed transferee based on the failure of that transfer to satisfy the conditions of section 2243.   [PL 1999, c. 268, §2 (NEW).] SECTION HISTORY PL 1999, c. 268, §2 (NEW).
24-A ME Rev Stat § 2246 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-A: PROTECTION OF BENEFICIARIES OF STRUCTURED SETTLEMENTS|24-A §2246. Construction

 §2246. Construction Nothing contained in this chapter may be construed to authorize a transfer of structured settlement payment rights in contravention of applicable law or to give effect to a transfer of structured settlement payment rights that is invalid under applicable law.   [PL 1999, c. 268, §2 (NEW).]SECTION HISTORY PL 1999, c. 268, §2 (NEW).
24-A ME Rev Stat § 2261 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2261. Short title (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2261. Short title (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)This chapter may be known and cited as "the Maine Insurance Data Security Act."   [PL 2021, c. 24, §1 (NEW).]SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2262 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2262. Construction (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2262. Construction (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)This chapter establishes standards for data security and exclusive standards for the investigation of and notification to the superintendent regarding a cybersecurity event applicable to licensees. This chapter may not be construed to create or imply a private cause of action for violation of its provisions or to curtail a private cause of action that would otherwise exist in the absence of this chapter.   [PL 2021, c. 24, §1 (NEW).]SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2265 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2265. Investigation of cybersecurity event (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2265. Investigation of cybersecurity event (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)1.  Investigation.  If a licensee learns that a cybersecurity event has or may have occurred, the licensee or an outside vendor or service provider designated to act on behalf of the licensee shall conduct a prompt investigation. During the investigation, the licensee or an outside vendor or service provider designated to act on behalf of the licensee, at a minimum, shall:   A. Determine whether a cybersecurity event has occurred;   [PL 2021, c. 24, §1 (NEW).]B. Assess the nature and scope of the cybersecurity event;   [PL 2021, c. 24, §1 (NEW).]C. Identify any nonpublic information that may have been involved in the cybersecurity event; and   [PL 2021, c. 24, §1 (NEW).]D. Perform or oversee the performance of reasonable measures to restore the security of the information systems compromised in the cybersecurity event in order to prevent further unauthorized acquisition, release or use of nonpublic information in the licensee's possession, custody or control.   [PL 2021, c. 24, §1 (NEW).][PL 2021, c. 24, §1 (NEW).] 2.  System maintained by 3rd-party service provider.  If a licensee learns that a cybersecurity event has or may have occurred in an information system maintained by a 3rd-party service provider, the licensee shall either use its best efforts to complete the steps listed in subsection 1 or confirm that the 3rd-party service provider has completed those steps.   [PL 2021, c. 24, §1 (NEW).] 3.  Maintenance of records.  A licensee shall maintain records concerning a cybersecurity event for a period of at least 5 years from the date of the cybersecurity event and shall produce those records upon demand of the superintendent.   [PL 2021, c. 24, §1 (NEW).] SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2267 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2267. Power of superintendent (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2267. Power of superintendent (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)1.  Investigate.  The superintendent may examine and investigate the affairs of any licensee to determine whether the licensee has been or is engaged in any conduct in violation of this chapter. This power is in addition to the powers the superintendent has under sections 220 and 221. Any such examination or investigation must be conducted pursuant to those sections.   [PL 2021, c. 24, §1 (NEW).] 2.  Enforcement.  Whenever the superintendent has reason to believe that a licensee has been or is engaged in conduct in this State that violates this chapter, the superintendent may take action that is necessary or appropriate to enforce the provisions of this chapter.   [PL 2021, c. 24, §1 (NEW).] SECTION HISTORY PL 2021, c. 24, §1 (NEW).