reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3905.47 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.47 | Agent Training Programs.

Effective: July 30, 2013|Latest Legislation:  House Bill 3 - 130th General Assembly|(A)(1) No agent shall sell, solicit, or negotiate insurance through an exchange, or enroll or offer to enroll a person in a health benefit plan offered through an exchange, on or after October 1, 2013, without first completing a training program either required by an exchange or approved by the superintendent of insurance in accordance with division (B) of this section. (2) If an exchange does not require the completion of a training program pursuant to division (A)(1) of this section, the superintendent shall establish such a program.(B) The superintendent shall approve courses to be used for compliance with division (A) of this section and shall approve courses established by an exchange, provided that the courses are in accordance with section 3905.484 of the Revised Code. Any course the superintendent approves shall consist of topics related to insurance offered within an exchange, including all of the following:(1) The levels of coverage provided in an exchange;(2) The eligibility requirements for individuals to purchase insurance through an exchange;(3) The eligibility requirements for employers to make insurance available to their employees through a small business health options program;(4) Individual eligibility requirements for medicaid;(5) The use of enrollment forms used in an exchange;(6) Any other topics as required by the superintendent.(C) Agents that complete the training program required under division (A) of this section shall receive continuing education course credit under sections 3905.481 to 3905.486 of the Revised Code. All such credit shall count toward satisfying the continuing education requirement in section 3905.481 of the Revised Code.
Ohio Rev Code § 3905.472 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.472 | Qualified Health Benefit Plans.

Effective: July 30, 2013|Latest Legislation:  House Bill 3 - 130th General Assembly|An exchange shall permit an insurer to offer any health benefit plan that the insurer seeks to offer through the exchange, so long as the health benefit plan in question is a qualified health plan under the Affordable Care Act, as approved by the superintendent of insurance. Nothing in this section shall be construed to allow the superintendent of insurance to impose any additional state certification requirements in order to be a qualified health plan.
Ohio Rev Code § 3905.473 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.473 | Exchange Listings.

Effective: July 30, 2013|Latest Legislation:  House Bill 3 - 130th General Assembly|(A) An exchange operating in this state shall maintain a current list of both of the following: (1) Licensed insurance agents that have met all of the requirements necessary to offer or sell insurance through an exchange;(2) Individuals and business entities that have been certified by the superintendent as an insurance navigator.(B) An exchange shall make available a list of insurance agents operating near the individual's residence address that are certified to sell a health benefit plan through an exchange and insurance navigators that are certified under section 3905.471 of the Revised Code. An exchange operating in this state shall maintain a means of communication by which an individual may make such a request.(C) Any web site, software application, or other electronic medium, or an exchange-sanctioned outreach event that enables a consumer to determine eligibility for and to purchase a qualified health plan through an exchange shall include information on how an individual can obtain from an exchange the contact information of insurance agents operating near the individual's residence address that are certified to sell health benefit plans through an exchange and insurance navigators that are certified under section 3905.471 of the Revised Code.
Ohio Rev Code § 3905.474 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.474 | Qualifications for In-Person Assisters.

Effective: July 30, 2013|Latest Legislation:  House Bill 3 - 130th General Assembly|No person shall act as, perform the duties of, or hold one's self out to be an in-person assister unless that person is either a licensed insurance agent certified to sell insurance through an exchange under section 3905.47 of the Revised Code or an insurance navigator certified under section 3905.471 of the Revised Code.
Ohio Rev Code § 3905.481 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.481 | Continuing Education Requirements.

Effective: December 19, 2016|Latest Legislation:  House Bill 471 - 131st General Assembly|Each individual who is issued a resident insurance agent license shall complete at least twenty-four hours of continuing education for each license renewal period. The continuing education shall be offered in a course or program of study approved by the superintendent of insurance and shall include at least three hours of approved ethics training.This section does not apply to any person or class of persons, as determined by the superintendent.
Ohio Rev Code § 3905.484 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.484 | Establishing Criteria for Course or Program of Study for License Examination.

Effective: December 19, 2016|Latest Legislation:  House Bill 471 - 131st General Assembly|(A) The superintendent of insurance shall establish criteria for any course or program of study that is offered in this state under section 3905.04 or sections 3905.481 to 3905.486 of the Revised Code.(B) No course or program of study shall be offered in this state under section 3905.04 or sections 3905.481 to 3905.486 of the Revised Code unless it is approved by the superintendent.(C) A course or program of study offered in this state under section 3905.04 or sections 3905.481 to 3905.486 of the Revised Code shall be developed or sponsored only by one of the following:(1) An insurance company admitted to transact business in this state;(2) An accredited college or university;(3) An insurance trade association;(4) An independent program of instruction that is approved by the superintendent;(5) Any institution as defined in section 1713.01 of the Revised Code that holds a certificate of authorization issued by the Ohio board of regents under Chapter 1713. of the Revised Code or is exempt under that chapter from the requirements for a certificate of authorization.
Ohio Rev Code § 3905.485 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.485 | Establishing Schedule of Fees for Course or Program of Study for License Examination.

Effective: December 19, 2016|Latest Legislation:  House Bill 471 - 131st General Assembly|(A) The superintendent of insurance shall establish a schedule of fees to be paid to the superintendent by the sponsor of a course or program of study approved in accordance with division (B) of section 3905.484 of the Revised Code. The sponsor shall pay the required fee to the superintendent in accordance with rules adopted by the superintendent.(B) All fees collected by the superintendent under division (A) of this section shall be credited to the department of insurance operating fund created in section 3901.021 of the Revised Code.
Ohio Rev Code § 3905.486 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.486 | Adoption of Rules.

Effective: December 19, 2016|Latest Legislation:  House Bill 471 - 131st General Assembly|The superintendent of insurance shall adopt rules in accordance with Chapter 119. of the Revised Code to carry out the purposes of sections 3905.04 and 3905.481 to 3905.486 of the Revised Code.
Ohio Rev Code § 3905.49 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.49 | Prohibiting False Representation as Independent Agent.

Effective: September 1, 2002|Latest Legislation:  Senate Bill 129 - 124th General Assembly|(A) As used in this section and section 3905.50 of the Revised Code, "independent insurance agent" means an insurance agent who is neither employed nor controlled solely by an insurer, whose agency contract with an insurer provides that upon termination of the contract, the ownership of the property rights of all expiration information vests in the agent or the agent's heirs or assigns, and whose agency contract with an insurer permits the agent to represent concurrently other insurers of the agent's choice.(B) No agent other than an independent insurance agent shall represent self, or shall be represented, to the public as an independent insurance agent or agency.
Ohio Rev Code § 3905.53 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.53 | Effect of Child Support Default on License.

Effective: March 22, 2001|Latest Legislation:  Senate Bill 180 - 123rd General Assembly|On receipt of a notice pursuant to section 3123.43 of the Revised Code, the superintendent of insurance shall comply with sections 3123.41 to 3123.50 of the Revised Code and any applicable rules adopted under section 3123.63 of the Revised Code with respect to a license issued pursuant to this chapter.
Ohio Rev Code § 3905.61 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.61 | Controlled Insurers Definitions.

Effective: October 7, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|As used in sections 3905.61 to 3905.65 of the Revised Code:(A) "Accredited state" means a state in which the insurance department or regulatory agency has qualified as meeting the minimum financial regulatory standards promulgated and established from time to time by the national association of insurance commissioners.(B) "Captive insurer" means an insurer owned by another organization and whose exclusive purpose is to insure risks of the parent organization and affiliated companies or, in the case of groups and associations, insurers owned by the insureds and whose exclusive purpose is to insure risks of member organizations, group members, or affiliates of such member organizations or group members.(C) "Control," including "controlling" and "controlled by," has the same meaning as in section 3901.32 of the Revised Code.(D) "Controlled insurer" means an insurer that, directly or indirectly, is controlled by a producer.(E) "Controlling producer" means a producer that, directly or indirectly, controls an insurer.(F) "Insurer" means any person licensed to transact a property and casualty insurance business in this state. "Insurer" does not mean any of the following:(1) Any risk retention group as defined in section 3960.01 of the Revised Code, the "Superfund Amendments and Reauthorization Act of 1986," 100 Stat. 1613, 42 U.S.C.A. 9671, or the "Product Liability Risk Retention Act of 1981," 95 Stat. 949, 15 U.S.C.A. 3901, as amended by the "Risk Retention Amendments of 1986," 100 Stat. 3170, 15 U.S.C.A. 3901;(2) Any residual market pool or joint underwriting authority or association;(3) Any captive insurer.(G) "Producer" means an insurance broker or brokers or any other person, when, for any compensation, commission or anything of value, the broker or other person acts or aids in any manner in soliciting, negotiating, or procuring the making of any insurance contract on behalf of an insured other than such broker or other person.
Ohio Rev Code § 3905.62 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.62 | Application of Sections.

Effective: October 7, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|(A) Sections 3905.61 to 3905.65 of the Revised Code apply to insurers either domiciled in this state or in a state that is not an accredited state and does not have in effect a substantially similar law.(B) Sections 3901.32 to 3901.37 of the Revised Code, to the extent they are not superseded by sections 3905.61 to 3905.65 of the Revised Code, apply to all persons within holding company systems that are subject to sections 3905.61 to 3905.65 of the Revised Code.
Ohio Rev Code § 3905.64 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.64 | Notice to Prospective Insured by Controlling Producer.

Effective: October 7, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|Each controlling producer, prior to the effective date of an insurance policy, shall deliver a written notice to the prospective insured that fully and completely discloses the controlling relationship between the producer and the controlled insurer. If the business is placed through a subproducer that is not in control of the insurer, the subproducer shall provide to the producer a signed statement that the subproducer is aware of the controlling relationship between the insurer and the producer and that the subproducer has disclosed or will disclose that relationship to the insured. The producer shall retain the statement in his records.
Ohio Rev Code § 3905.65 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.65 | Remedies for Noncompliance.

Effective: October 7, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|(A)(1) If the superintendent of insurance believes that a controlling producer or any other person has not materially complied with sections 3905.61 to 3905.65 of the Revised Code, or with any rule or order adopted or issued thereunder, the superintendent may, pursuant to a hearing conducted in accordance with Chapter 119. of the Revised Code, order the controlling producer to cease placing business with the controlled insurer.(2) If, pursuant to the hearing held under division (A)(1) of this section, the superintendent finds that, due to the material noncompliance, the controlled insurer or any policyholder of the insurer has suffered any loss or damage, the superintendent may maintain a civil action or intervene in any action brought by or on behalf of the insurer or policyholder for recovery of compensatory damages for the benefit of the insurer or policyholder or other appropriate relief.(B) If an order for liquidation or rehabilitation of the controlled insurer has been entered pursuant to Chapter 3903. of the Revised Code and the receiver appointed under that order believes that the controlling producer or any other person has not materially complied with sections 3905.61 to 3905.65 of the Revised Code, or any rule or order adopted or issued thereunder, and the insurer suffered any loss or damage as a result, the receiver may maintain a civil action for recovery of damages or any other appropriate sanction for the benefit of the insurer.(C) Nothing in this section shall limit or restrict the imposition of any other remedy available to the superintendent or any other penalty applicable to the insurer.(D) This section does not, in any way, alter or affect the rights of policyholders, claimants, creditors, or any other third party.
Ohio Rev Code § 3905.71 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.71 | Managing General Agent Definitions.

Effective: June 4, 1997|Latest Legislation:  Senate Bill 67 - 122nd General Assembly|As used in sections 3905.71 to 3905.79 of the Revised Code:(A) "Actuary" means a person who is a member in good standing of the American academy of actuaries.(B) "Insurer" means any person licensed to do business in this state under Chapter 1751. or 1761. of the Revised Code or Title XXXIX of the Revised Code.(C) "Laws of this state relating to insurance" has the same meaning as in section 3901.04 of the Revised Code.(D)(1) "Managing general agent" means any person that does all of the following:(a) Manages all or part of the insurance business of an insurer, including the management of a separate division, department, or underwriting office, or negotiates and binds ceding reinsurance contracts on behalf of an insurer;(b) Acts as an agent for the insurer, whether known as a managing general agent, manager, or other similar term;(c) With or without the authority of the insurer, separately or together with affiliates, does both of the following:(i) Produces, directly or indirectly, and underwrites an amount of gross direct written premium equal to or more than five per cent of the policyholder surplus of the insurer as reported in the last annual statement of the insurer in any one year;(ii) Adjusts or pays claims, or negotiates reinsurance on behalf of the insurer.(2) "Managing general agent" does not include any of the following:(a) An employee of the insurer;(b) A United States manager of the United States branch of an alien insurer;(c) An underwriting manager that, pursuant to contract, manages all or a part of the insurance operations of the insurer, is under common control with the insurer, subject to sections 3901.32 to 3901.37 of the Revised Code, and whose compensation is not based on the volume of premiums written;(d) The attorney authorized by and acting for the subscribers of a reciprocal insurer or inter-insurance exchange under powers of attorney;(e) An administrator licensed pursuant to Chapter 3959. of the Revised Code whose activities on behalf of an insurer are limited to administrative services involving underwriting or the payment of claims, and do not include the management of all or part of the insurance business of the insurer.(E) "Underwrite" or "underwriting" means the authority to accept or reject risk on behalf of an insurer.
Ohio Rev Code § 3905.74 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.74 | Independent Financial Examination of Each Managing General Agent.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|(A) The insurer shall have on file, in a form acceptable to the superintendent of insurance, an independent financial examination of each managing general agent with which it has done business.(B) If a managing general agent establishes loss reserves, the insurer annually shall obtain the opinion of an actuary attesting to the adequacy of loss reserves established for losses incurred and outstanding on business produced by the managing general agent. This annual opinion is in addition to any other required loss reserve certification.(C) The insurer shall conduct not less frequently than twice a year an on-site review of the underwriting and claims processing operations of the managing general agent.(D) Binding authority for all reinsurance contracts or participation in insurance or reinsurance syndicates shall be vested in an officer of the insurer who is not affiliated with the managing general agent.(E) Within thirty days of entering into or terminating a contract with a managing general agent, the insurer shall provide written notification of the appointment or termination to the superintendent. Notices of appointment of a managing general agent shall include a statement of duties which the applicant is expected to perform on behalf of the insurer, the lines of insurance the applicant will manage, and any other information the superintendent may request.(F) An insurer shall review its books and records each quarter to determine if any producer has become a managing general agent. If the insurer determines that a producer has become a managing general agent, the insurer, within sixty days, shall provide written notice of the determination to the producer and the superintendent. The insurer and producer shall comply with sections 3905.72 to 3905.75 of the Revised Code within thirty days of receipt of the notice.(G) No insurer shall appoint to its board of directors its managing general agent or an officer, director, employee, producer, or controlling shareholder of its managing general agent.
Ohio Rev Code § 3905.75 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.75 | Acts of Agent Deemed Acts of Insurer - Examinations.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|(A) The acts of a managing general agent are deemed to be the acts of the insurer on whose behalf it is acting.(B) A managing general agent may be examined pursuant to section 3901.07 of the Revised Code as if it were the insurer. The managing general agent shall pay the expenses incurred in the conduct of the examination in accordance with section 3901.07 of the Revised Code.
Ohio Rev Code § 3905.76 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.76 | Prohibition.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|No managing general agent, insurer, or other person shall violate, or fail to comply with, any provision of section 3905.72, 3905.73, 3905.74, or 3905.75 of the Revised Code.
Ohio Rev Code § 3905.77 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.77 | Penalties for Violations.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|(A) If the superintendent of insurance, after a hearing conducted in accordance with Chapter 119. of the Revised Code, finds a violation of section 3905.76 of the Revised Code, the superintendent may order any of the following:(1) For each separate violation committed by an insurer, managing general agent, or other person, a civil penalty in an amount of not more than one thousand dollars;(2) For a violation committed by a managing general agent or the producer of the managing general agent, revocation or suspension of the license of the managing general agent or the license of the producer;(3) For a violation committed by a managing general agent, reimbursement of the insurer or the rehabilitator or liquidator of the insurer by the managing general agent and by any officer, director, shareholder, or other representative or agent of the managing general agent who actually benefited from the violation, for any losses incurred by the insurer that were caused by the violation.(B) All civil penalties collected pursuant to division (A)(1) of this section shall be paid into the state treasury to the credit of the department of insurance operating fund.(C) Nothing in this section affects the authority of the superintendent to impose any other civil penalties or to initiate any other proceedings or remedies pursuant to the laws of this state.
Ohio Rev Code § 3905.78 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.78 | Rights Not Limited or Restricted.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|Nothing in sections 3905.71 to 3905.79 of the Revised Code is intended, in any manner, to limit or restrict the rights of policyholders and claimants of any insurer on whose behalf a managing general agent is acting, or of auditors, accountants, examiners, or other persons that conduct examinations of insurers.
Ohio Rev Code § 3905.79 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3905 | Insurance Producers Licensing Act|Section 3905.79 | Rules.

Effective: August 8, 1991|Latest Legislation:  Senate Bill 137 - 119th General Assembly|The superintendent of insurance may adopt rules in accordance with Chapter 119. of the Revised Code necessary to implement sections 3905.71 to 3905.79 of the Revised Code.