reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  27-215 (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 27-215 - Interlocking Ownership or Management

    (a)    An insurer may retain, invest in, or acquire all or part of the capital stock of another insurer or have common management with another insurer, unless the retention, investment, acquisition, or common management is inconsistent with another provision of this article or causes the business of the insurers with the public to be conducted in a manner that substantially lessens competition generally in the insurance business or tends to create a monopoly in the insurance business.    (b)    An individual otherwise qualified may be director of two or more insurers that are competitors, unless the effect substantially lessens competition between insurers generally or tends materially to create a monopoly.
MD. Insurance Code Ann. §  27-217 (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 27-217 - Group Insurance

    (a)    This section does not apply to:        (1)    life insurance;        (2)    health insurance;        (3)    annuity contracts; or        (4)    a pooling arrangement by athletic clubs, charitable organizations, community associations, homeowners’ associations, and public entities under Title 19, Subtitle 6 of this article to purchase insurance under this section.    (b)    An authorized insurer or unauthorized insurer may not make available to a firm, corporation, or association of individuals through a rating plan or form, property insurance, casualty insurance, or surety insurance at a preferred rate or premium based on a fictitious group of the firm, corporation, or association of individuals.    (c)    A form or plan of insurance that covers a group or combination of persons or risks may not be written or delivered in or outside the State to cover persons or risks in the State at a preferred rate or on a form other than the rate or form offered to the public generally, including persons not in the group or combination, unless the form, plan of insurance, and rates or premiums to be charged have been submitted to and approved by the Commissioner as:        (1)    not unfairly discriminatory; and        (2)    not otherwise in conflict with subsection (b) of this section or, to the extent applicable, Title 11, Subtitle 2 of this article.    (d)    The Commissioner shall adopt regulations to carry out subsection (c) of this section as it applies to property insurance or casualty insurance on motor vehicles.
MD. Insurance Code Ann. §  27-218 (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 27-218 - Burial Insurance Benefits

    (a)    All burial insurance benefits shall be paid in cash to the beneficiary.    (b)    A person engaged in the business of burial insurance may not pay or contract to pay wholly or partly burial insurance or its benefits to:        (1)    an official mortician, funeral director, or undertaker;        (2)    a designated mortician, funeral director, undertaker, or funeral directing or undertaking concern; or        (3)    a particular tradesperson or businessperson.    (c)    This section does not apply to 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.
MD. Insurance Code Ann. §  27-219 (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 27-219 - Misrepresentation as Insurer

    A person that is not an insurer may not assume or use a name that deceptively implies or suggests that it is an insurer.
MD. Insurance Code Ann. §  27-220 (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 27-220 - Maryland Children's Health Program

    An insurance producer or insurer may not refer an individual employee or dependent of an employee to the Maryland Children’s Health Program established under Title 15, Subtitle 3 of the Health - General Article or arrange for an individual employee or dependent of an employee to apply for the Maryland Children’s Health Program established under Title 15, Subtitle 3 of the Health - General Article if the insurance producer or insurer has an economic interest in the referral or the arrangement and the insurance producer’s or insurer’s sole purpose is to separate that employee or that employee’s dependent from group health insurance coverage provided in connection with the employee’s employment.
MD. Insurance Code Ann. §  27-221 (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 27-221 - Prohibition Against Reunderwriting

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Carrier” means a person that is:            (i)    an insurer that holds a certificate of authority in the State and provides health insurance in the State;            (ii)    a health maintenance organization that holds a certificate of authority to operate in the State; or            (iii)    a nonprofit health service plan that holds a certificate of authority to operate in the State.        (3)    “Health coverage” means any of the following:            (i)    a health insurance contract that is issued or delivered in the State by an insurer;            (ii)    a contract that is issued or delivered in the State by a nonprofit health service plan; or            (iii)    a contract that is issued or delivered in the State by a health maintenance organization.        (4)    “Health status-related factor” has the meaning stated in § 15-1301 of this article.        (5)    “Individual contract” means a contract between a carrier and an individual covering:            (i)    the individual;            (ii)    the individual and the individual’s family members; or            (iii)    the family members of the individual.        (6)    (i)    “Reunderwrite” means to reevaluate any health status-related factor, occupation, hobby, or activity of an individual for the purpose of:                1.    terminating health coverage of the individual; or                2.    moving the individual from a more favorable rate class to a less favorable rate class.            (ii)    “Reunderwrite” does not include:                1.    moving an individual from one rate tier to another rate tier solely due to the addition or deletion of a family member under the health coverage;                2.    increasing the premium under an attained age rated contract solely due to the increasing age of the individual covered under the health coverage;                3.    on receipt of an application from an insured to increase the benefits under an existing contract, evaluating the health status-related factors, occupation, hobbies, or activities of the insured for the purpose of increasing the benefits under the contract; or                4.    during the period in which a carrier has the right to contest a policy, denying a claim, amending the policy, making an adjustment to the premium, or rescinding the policy based on a material misrepresentation or fraud in the application.    (b)    A carrier may not reunderwrite an individual for health coverage under an individual contract after the individual contract has been issued.
MD. Insurance Code Ann. §  27-222 (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 27-222 - Violation of 15-112(h) of This Article Prohibited

    A person may not violate § 15–112(h) of this article.
MD. Insurance Code Ann. §  27-223 (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 27-223 - Misleading Use of Senior or Retiree Credential or Designation

    (a)    It is unlawful for any insurance producer to use a senior or retiree credential or designation in a way that is or would be misleading in connection with the offer, sale, or purchase of life insurance, health insurance, or annuities.    (b)    (1)    The Commissioner, in consultation with the Securities Commissioner of the Division of Securities in the Office of the Attorney General, shall adopt regulations to define what constitutes a misleading use of a senior or retiree credential or designation for purposes of subsection (a) of this section.        (2)    The regulations adopted by the Commissioner may provide exemptions from subsection (a) of this section, if the exemptions are consistent with the public interest and within the purposes intended by the policy and provisions of this title.    (c)    A violation of subsection (a) of this section constitutes a lack of trustworthiness for the purposes of § 10–126(a)(13) of this article.    (d)    This section may not be construed to limit any powers of the Commissioner granted under this title.
MD. Insurance Code Ann. §  27-224 (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 27-224 - Compliance With Federal Medicare Marketing Guidelines

    When soliciting or advertising the sale of a Medicare Advantage Plan, Medicare Advantage Prescription Drug Plan, Medicare Prescription Drug Plan (Part D), or Medicare Section 1876 cost plan, an insurance producer shall comply with the Centers for Medicare and Medicaid Services’ Medicare Marketing Guidelines, as may be amended from time to time, including the prohibitions against:        (1)    engaging in door–to–door solicitation, including leaving written information at a residence or on a vehicle;        (2)    approaching a Medicare beneficiary in a common area, including a parking lot, hallway, lobby, or sidewalk; and        (3)    engaging in telephone or electronic solicitation.
MD. Insurance Code Ann. §  27-225 (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 27-225 - Prohibition Against Confessed Judgment Clause in Bail Bond Agreements

    (a)    In this section “bail bond” has the meaning stated in § 10–301 of this article.    (b)    A confessed judgment clause that waives a consumer’s right to assert a legal defense to an action may not be included in a bail bond agreement.
MD. Insurance Code Ann. §  27-301 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-301 - Intent and Effect of Subtitle

    (a)    The intent of this subtitle is to provide an additional administrative remedy to a claimant for a violation of this subtitle or a regulation that relates to this subtitle.    (b)    (1)    This subtitle provides administrative remedies only.        (2)    This subtitle does not provide or prohibit a private right or cause of action to, or on behalf of, a claimant or other person in any state.        (3)    This subtitle does not impair the right of a person to seek redress in law or equity for conduct that otherwise is actionable.
MD. Insurance Code Ann. §  27-302 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-302 - Scope of Subtitle

    (a)    This subtitle applies to each individual or group policy, contract, or certificate of an insurer, nonprofit health service plan, or health maintenance organization that:        (1)    is delivered or issued in the State;        (2)    is issued to a group that has a main office in the State; or        (3)    covers individuals who reside or work in the State.    (b)    This subtitle does not apply to:        (1)    reinsurance;        (2)    workers’ compensation insurance; or        (3)    surety insurance.
MD. Insurance Code Ann. §  27-303 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-303 - Unfair Claim Settlement Practices -- in General

    It is an unfair claim settlement practice and a violation of this subtitle for an insurer, nonprofit health service plan, or health maintenance organization to:        (1)    misrepresent pertinent facts or policy provisions that relate to the claim or coverage at issue;        (2)    refuse to pay a claim for an arbitrary or capricious reason based on all available information;        (3)    attempt to settle a claim based on an application that is altered without notice to, or the knowledge or consent of, the insured;        (4)    fail to include with each claim paid to an insured or beneficiary a statement of the coverage under which payment is being made;        (5)    fail to settle a claim promptly whenever liability is reasonably clear under one part of a policy, in order to influence settlements under other parts of the policy;        (6)    fail to provide promptly on request a reasonable explanation of the basis for a denial of a claim;        (7)    fail to meet the requirements of Title 15, Subtitle 10B of this article for preauthorization for a health care service;        (8)    fail to comply with the provisions of Title 15, Subtitle 10A of this article;        (9)    fail to act in good faith, as defined under § 27–1001 of this title, in settling a first–party claim under a policy of property and casualty insurance; or        (10)    fail to comply with the provisions of § 16–118 of this article.
MD. Insurance Code Ann. §  27-304.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-304.1 - Regulations

    The Commissioner shall adopt regulations that establish standards and procedures for:         (1)    the settlement of claims involving the total loss of a private passenger motor vehicle; and        (2)    the determination of the private passenger motor vehicle’s total loss value.
MD. Insurance Code Ann. §  27-305 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-305 - Penalties

    (a)    The Commissioner may impose a penalty:        (1)    not exceeding $2,500 for each violation of § 27–303 of this subtitle or a regulation adopted under § 27–303 of this subtitle; and        (2)    not exceeding $125,000 for each violation of § 27–303(9) of this subtitle or a regulation adopted under § 27–303(9) of this subtitle.    (b)    The penalty for a violation of § 27–304 of this subtitle is as provided in §§ 1–301, 4–113, and 4–114 of this article and § 27–103 of this title.    (c)    (1)    On finding a violation of this subtitle, the Commissioner may require an insurer, nonprofit health service plan, or health maintenance organization to make restitution to each claimant who has suffered actual economic damage because of the violation.        (2)    Subject to paragraph (3) of this subsection, restitution may not exceed the amount of actual economic damage sustained, subject to the limits of any applicable policy.        (3)    For a violation of § 27–303(9) of this subtitle, the Commissioner may require restitution to an insured for the following:            (i)    actual damages, which actual damages may not exceed the limits of any applicable policy;            (ii)    expenses and litigation costs incurred by the insured in pursuing an administrative complaint under § 27–303(9) of this subtitle, including reasonable attorney’s fees; and            (iii)    interest on all actual damages, expenses, and litigation costs incurred by the insured computed:                1.    at the rate allowed under § 11–107(a) of the Courts Article; and                2.    from the date on which the insured’s claim would have been paid if the insurer acted in good faith.        (4)    The amount of attorney’s fees recovered from an insurer under paragraph (3) of this subsection may not exceed one–third of the actual damages recovered.
MD. Insurance Code Ann. §  27-306 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 3 - Unfair Claim Settlement Practices|Section 27-306 - Appeals

    An appeal from an order issued by the Commissioner under this subtitle shall be taken in accordance with § 2-215 of this article.
MD. Insurance Code Ann. §  27-401 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-401 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Claim” means a demand for payment or benefit under a policy or contract by an insured, third party, or representative of the insured or third party.        (2)    “Claim” includes a demand for payment or benefit made against:            (i)    the State under Title 12 of the State Government Article, Title 2, Subtitle 5 of the State Personnel and Pensions Article, or Title 9 of the Labor and Employment Article; or            (ii)    the Maryland Transit Administration when acting as a self–insurer under § 7–703 of the Transportation Article.    (c)    “Motor vehicle accident” means an occurrence involving a motor  vehicle that results in damage to property or injury to a person.
MD. Insurance Code Ann. §  27-402 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-402 - Scope of Subtitle

    The provisions of this subtitle that apply to insurers also apply to:        (1)    a corporation that operates a nonprofit health service plan under Title 14, Subtitle 2 of this article;        (2)    a dental plan organization as defined in § 14–401 of this article;        (3)    a health maintenance organization as defined in Title 19, Subtitle 7 of the Health – General Article;        (4)    a surplus lines insurer;        (5)    the Maryland Automobile Insurance Fund;        (6)    the State when a claim has been filed against the State under Title 12 of the State Government Article;        (7)    the State when a claim has been filed against the State under Title 2, Subtitle 5 of the State Personnel and Pensions Article;        (8)    the State, including the Uninsured Employers’ Fund, when a claim has been filed against the State under Title 9 of the Labor and Employment Article;        (9)    the Maryland Transit Administration when acting as a self–insurer under § 7–703 of the Transportation Article;        (10)    a third party administrator under Title 8, Subtitle 3 of this article;        (11)    a self–insurer under § 17–103(a)(2) of the Transportation Article;        (12)    the Maryland Health Insurance Plan;        (13)    a governmental self–insurer group formed in accordance with § 9–404 of the Labor and Employment Article;        (14)    an employer who self–insures or participates in a self–insurance group in accordance with § 9–405 of the Labor and Employment Article; and        (15)    an agent, employee, or representative of an entity described in items (1) through (14) of this section.
MD. Insurance Code Ann. §  27-403 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-403 - Failure to Return Premiums; False or Misleading Claims

    It is a fraudulent insurance act for a person:        (1)    knowingly to fail to return any money or premiums paid for a policy to an insured, designee of the insured, or another person entitled to the money or premiums if the insurance contracted for is not ultimately provided;        (2)    to present or cause to be presented to an insurer documentation or an oral or written statement made in support of a claim, including a claim that alleges the theft of a motor vehicle, with knowledge that the documentation or statement contains false or misleading information about a matter material to the claim;        (3)    except for the prepayment of periodic payments or excess contributions allowed under the terms of the policy, willfully to collect as a premium a sum in excess of the premium applicable to the insurance under approved classifications and rates or, for cases in which classifications and rates are not subject to approval, the premiums and charges applicable to the insurance as specified in the policy and set by the insurer;        (4)    to misappropriate or withhold unreasonably funds received or held if the funds represent premiums or return premiums;        (5)    to misappropriate benefits under a policy; and        (6)    knowingly or willfully to present, or cause to be presented, documentation or an oral or written statement made in, with reference to, or in support of an application for a viatical settlement contract, the financing of a viatical settlement contract, the transfer of a viatical settlement contract, or the settlement in support of a claim made under a viatical settlement contract with knowledge that the documentation or statement contains false or misleading information about matters material to the application, financing, transfer, settlement, or claim.
MD. Insurance Code Ann. §  27-404 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-404 - Doing Business With Unlicensed Persons

    It is a fraudulent insurance act for an insurer doing business in the State knowingly to write or place a policy or insurance contract in the State through, or pay a commission or other consideration to, a person that is required to have a certificate of qualification under this article but does not have a certificate of qualification.