reglab/housing_qa huggingface dataset:
AR Code § 23-66-507 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-507. Confidentiality

 (a) Notwithstanding any other provision of law, the documents and evidence provided pursuant to §§ 23-66-505 and 23-66-508 or obtained by the Insurance Commissioner in an investigation of suspected or actual fraudulent insurance acts shall be privileged and confidential and shall not be a public record and shall not be subject to discovery or subpoena in a civil or criminal action until the matter under investigation is closed by the Criminal Investigation Division with the consent of the commissioner.  (b) Subsection (a) of this section does not prohibit release by the commissioner of documents and evidence obtained by the division in an investigation of suspected or actual fraudulent insurance acts:  (1) In administrative or judicial proceedings to enforce laws administered by the commissioner;  (2) To federal, state, or local law enforcement or regulatory agencies, to an organization established for the purpose of detecting and preventing fraudulent insurance acts, or to the National Association of Insurance Commissioners; or  (3) At the discretion of the commissioner, to a person in the business of insurance that is aggrieved by a fraudulent insurance act.    (c) Release of documents and evidence under subsection (b) of this section does not abrogate or modify the privilege granted in subsection (a) of this section.
AR Code § 23-66-509 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-509. Other law enforcement of regulatory authority

 This subchapter shall not:   (1) Preempt the authority or relieve the duty of other law enforcement or regulatory agencies to investigate, examine, and prosecute suspected violations of law;  (2) Prevent or prohibit a person from voluntarily disclosing information concerning insurance fraud to a law enforcement or regulatory agency other than the Criminal Investigation Division; or  (3) Limit the powers granted elsewhere by the laws of this state to the Insurance Commissioner or the division to investigate and examine possible violations of law and to take appropriate action against wrongdoers.
AR Code § 23-66-510 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-510. Insurer antifraud initiative

 (a) Insurers shall have antifraud initiatives reasonably calculated to detect, prosecute, and prevent fraudulent insurance acts. Antifraud initiatives may include, but are not limited to:  (1) Fraud investigators, who may be insurer employees or independent contractors; or  (2) An antifraud plan submitted to the Insurance Commissioner. Antifraud plans submitted to the commissioner shall be privileged and confidential and shall not be a public record and shall not be subject to discovery or subpoena in a civil or criminal action.    (b) Upon the written request of an insurer, the commissioner may grant an exemption from the requirements of this section if the commissioner determines that such an exemption would not be detrimental to the interests of the public.
AR Code § 23-66-511 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-511. Rules

 The Insurance Commissioner may promulgate reasonable rules deemed necessary by the commissioner for the administration of this subchapter.
AR Code § 23-66-512 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-512. Penalties

 A person who violates this subchapter is subject to the following:   (1)  (A) Suspension or revocation of license, civil penalties of up to ten thousand dollars ($10,000) per violation, or both.  (B) Suspension or revocation of license and imposition of civil penalties shall be pursuant to an order of the Insurance Commissioner issued under § 23-61-301 et seq.  (C) The commissioner's order may require a person found to be in violation of this subchapter to make restitution to persons aggrieved by violations of this subchapter;    (2)  (A) A person convicted of a violation of § 23-66-502 by a court of competent jurisdiction shall be guilty of a Class D felony.  (B) A person convicted of a violation of § 23-66-502 shall be ordered to pay restitution to persons aggrieved by the violation of this subchapter.  (C) Restitution shall be ordered in addition to a fine or imprisonment; and    (3) A person convicted of a felony violation of this subchapter pursuant to subdivision (2) of this section shall be disqualified from engaging in the business of insurance.
AR Code § 23-66-513 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 5 - Frauduluent Insurance Acts Prevention|§ 23-66-513. Initial appointment investigation

 (a)  (1)  (A) Prior to the approval of any application or request for appointment by an insurer or company to be added to the license obtained by an individual resident agent or producer who has had no previous appointments on his or her Arkansas license prior to this request, the insurer shall conduct or secure at its expense an investigation as to the applicant's identity, residence, experience, or instruction as to the kinds of insurance to be transacted, and as to the agent's or producer's character, financial condition, and financial history.  (B) The Insurance Commissioner may accept a background check performed by the National Association of Securities Dealers for any required broker or producer background check required by this section.    (2) At a minimum, the investigation shall include the following information disclosed by the investigation:  (A) Whether the applicant has been convicted of a felony and, if so, the date and nature of the conviction, the name and location of the court, and the penalty imposed or other disposition of the case, for review in compliance with the provisions of § 23-66-502(c) and other applicable state or federal laws;  (B) Whether, at the time of the application, the agent or applicant is a named party in any lawsuit and, if so, the style of the lawsuit, a brief description of the litigation, and the name and location of the court;  (C) Whether a judgment for monetary damages has been entered against the applicant within the last five (5) years and, if so, the date of the judgment, the amount of the judgment, whether the judgment has been paid or otherwise satisfied, the name and location of the court, and the style of the case; and  (D) Such other information as the commissioner shall require.    (3) The forms and the requirements of this subsection shall not apply to:  (A) Any limited or restricted license as defined in § 23-64-502(7) or (9), any limited or restricted license that the commissioner may exempt, or any temporary license the commissioner may issue;  (B) Corporations, partnerships, limited liability companies, and partnerships licensed as insurance agencies under this chapter; and  (C) Any individual requesting a renewal license or requesting his or her second or subsequent insurer appointments added after the first-time license or appointment.      (b) The requirements for broker or producer background checks of subdivisions (a)(1) and (2) of this section shall apply to each first-time original license applicant for a resident broker's or producer's license in this state. However, those requirements shall not be required for any renewal broker's or producer's license, and all filings shall exclude appointment forms for first or renewal licenses for brokers or producers.
AR Code § 23-66-601 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-601. Short title

 This subchapter may be cited as the “Insurance Sales Consumer Protection Act”.
AR Code § 23-66-602 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-602. Purpose

 The purpose of this subchapter is to regulate the business of insurance and protect the interests of insurance consumers.
AR Code § 23-66-603 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-603. Definitions

 For the purpose of this subchapter:   (1) “Affiliate” means any company that controls, is controlled by, or is under common control with another company;  (2) “Customer” means a person who obtains, applies for, or is solicited to obtain insurance products primarily for personal, family, and household purposes;  (3) “Depository institution” means a bank or savings association and does not include an insurance company;  (4) “Insurance” means all policies or products defined or regulated as insurance pursuant to § 23-60-101 et seq. except:  (A) Credit life, credit accident and health, credit property, credit casualty, credit involuntary unemployment, mortgagor's decreasing term life, and mortgagor's accident and health and sickness insurance;  (B) Insurance placed by a financial institution in connection with collateral pledged as security for a loan when the debtor breaches the contractual obligation to provide that insurance; and  (C) Private mortgage insurance;    (5) “Insurance information” means information concerning the premiums, terms, and conditions of insurance coverage, including expiration dates and rates, and insurance claims of a customer contained in the records of a depository institution or an affiliate of a depository institution; and  (6) “Person” means any natural or artificial entity, including, but not limited to, individuals, partnerships, associations, trusts, or corporations.
AR Code § 23-66-604 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-604. Exemption

 The provisions of § 23-66-606 shall not apply to or affect in any way a broker-dealer licensed by the State of Arkansas when such a broker-dealer is conducting insurance sales activities on premises other than depository institution or an affiliate of a depository institution premises.
AR Code § 23-66-605 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-605. Insurance in connection with a loan

 (a) The following shall apply when insurance is required as a condition of obtaining a loan or extension of credit:  (1)  (A) No person, depository institution, or affiliate of a depository institution may require as a condition precedent to the lending of money or extension of credit, or any renewal thereof, that the person to whom the money or credit is extended or whose obligation a creditor is to acquire or finance, negotiate any policy or renewal thereof through a particular insurer or group of insurers or agent or broker or group of agents or brokers.  (B) Further, no person, depository institution, or affiliate of a depository institution may reject an insurance policy solely because the policy has been issued or underwritten by a person who is not associated with the depository institution or affiliate when insurance is required in connection with a loan or extension of credit;    (2) The loan or extension of credit and related insurance transactions shall be completed through separate documentation; and  (3) A loan for premiums on required insurance, other than a loan for credit insurance premiums or flood insurance premiums, shall not be included in the primary credit without the written consent of the customer.    (b)  (1)  (A) As a condition for extending credit or offering any product or service that is equivalent to an extension of credit, no person, depository institution, or affiliate of a depository institution may require that a customer obtain insurance from a depository institution, an affiliate of a depository institution, or a particular insurer or producer.  (B) Nothing in this subchapter or § 23-60-101 et seq., shall be construed to prohibit depository institution or affiliate of a depository institution personnel from informing customers that insurance is required in order to obtain a loan or extension of credit or that loan or extension of credit approval is contingent upon the customers' obtaining acceptable insurance.    (2) Depository institution or affiliate of a depository institution personnel may also inform customers that insurance is available from the depository institution, an affiliate of a depository institution, or particular unaffiliated third parties, and indicate how to obtain additional information.
AR Code § 23-66-607 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-607. Customer privacy

 No person, depository institution, or affiliate of a depository institution who lends money or extends credit may release, without the express consent of the customer, borrower, mortgagor, or purchaser:   (1) Insurance information of a customer relative to a policy which is required by the credit transaction, for the purpose of soliciting, selling, or replacing such insurance. This provision does not apply:  (A) In case of a transfer of insurance information to an unaffiliated insurer in connection with transferring insurance in force on an existing customer of the depository institution, or an affiliate thereof, or in connection with a merger with or acquisition of an unaffiliated insurer, or the release of information as otherwise authorized by state or federal law; and  (B) To the use or disclosure of insurance information to an officer, director, employee, agent, or affiliate of a depository institution; or    (2) Health information obtained from the insurance records of a customer for any purpose other than for its activities as a licensed producer.
AR Code § 23-66-608 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-608. Authorization to promulgate rules

 The Insurance Commissioner may promulgate rules to effectuate the purposes of this subchapter.
AR Code § 23-66-609 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-609. Prohibited activities

 No person, depository institution, or affiliate of a depository institution who lends money or extends credit may:   (1) Use an advertisement or other insurance promotional material that would cause a reasonable person to mistakenly believe that the federal government or the state is responsible for the insurance sales activity of or stands behind the credit of the person, depository institution, or its affiliate;  (2) Use an advertisement or other insurance promotional material that would cause a reasonable person to mistakenly believe that the federal government or the state guarantees any return on an insurance product or is a source of payment on any insurance obligation of or sold by the person, depository institution, or its affiliate;  (3) Solicit or sell insurance unless it maintains separate books and records relating to the insurance transactions, including all files relating to and reflecting consumer complaints; or  (4)  (A) Pay or receive any commission, brokerage fee, or other compensation as a producer unless the person holds a valid producer's license for the applicable class of insurance.  (B) However, an unlicensed person may make a referral to a licensed producer provided that the person does not:  (i) Sell, solicit, or negotiate insurance;  (ii) Discuss specific insurance policy terms and conditions; or  (iii) Make recommendations or offer advice concerning insurance policies or coverages.    (C)  (i) The unlicensed person may be compensated for the referral.  (ii) However, in the case of a referral of a customer, the unlicensed person may be compensated only if the compensation is a fixed dollar amount for each referral that does not depend on whether the customer purchases the insurance product from the licensed producer.    (D) Any person who accepts deposits from the public in an area where such transactions are routinely conducted in the depository institution may receive for each customer referral no more than a one-time, nominal fee of a fixed dollar amount for each referral that does not depend on whether the referral results in a transaction.
AR Code § 23-66-610 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 6 - Insurance Sales Consumer Protection Act|§ 23-66-610. Commissioner's powers — Administrative proceedings

 (a) The Insurance Commissioner shall have the power to examine and investigate the insurance activities of depository institutions in order to determine whether a depository institution has been or is engaged in any unfair trade practice prohibited by this subchapter.  (b) The commissioner shall notify the appropriate bank regulatory agency of the commissioner's intent to examine or investigate a depository institution and advise the appropriate bank regulatory agency of the suspected violations of state law prior to commencing the examination or investigation.  (c) Administrative proceedings for persons not in compliance with this subchapter shall be held in accord with the procedures of §§ 23-66-209 — 23-66-213, subject to the following limitations or conditions:  (1)  (A) If the person being investigated by the commissioner under subsection (a) of this section is a depository institution, the commissioner's authority to call a hearing for suspected violations of this subchapter is limited to the depository institution's insurance underwriting, sales, solicitation, and cross-marketing activities.  (B) The commissioner shall provide a copy of the notice of hearing to the appropriate bank regulatory agency when a depository institution is involved;    (2) If the person being investigated by the commissioner under subsection (a) of this section is a depository institution, the commissioner shall have the power to require the depository institution to produce books, papers, records, correspondence, or other documents that the commissioner deems relevant only to the inquiry regarding the insurance activities of the depository institution; and  (3) If practicable, the commissioner shall:  (A) Notify the appropriate bank regulatory agency before imposing a monetary penalty on a depository institution or suspending or revoking the depository institution's insurance license; and  (B) Provide to the appropriate bank regulatory agency a copy of the findings.
AR Code § 23-66-701 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 7 - Drug Enforcement Administration Registry Number Protection|§ 23-66-701. Legislative findings and intent

 The General Assembly hereby finds that registry numbers issued to physicians by the Drug Enforcement Administration are protected numbers not intended for use by insurance companies and health maintenance organizations. Pharmacists are prohibited by law from selling or dispensing controlled substances without a physician's Drug Enforcement Administration registry number, and disclosure of the registry number to insurers is unwarranted and inappropriate. The intent of this subchapter is to prohibit insurance companies and health maintenance organizations from requiring physicians, pharmacists, or others to disclose a physician's Drug Enforcement Administration registry number.
AR Code § 23-66-702 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 66 - Trade Practices|Subchapter 7 - Drug Enforcement Administration Registry Number Protection|§ 23-66-702. Drug Enforcement Administration registry numbers

 (a) Health carriers shall not require physicians, pharmacists, or other persons or entities to disclose a physician's Drug Enforcement Administration registry number for the purposes of identification, payment to a pharmacist, reimbursement of a patient, or any other reason.  (b) “Health carrier” means any insurance company or health maintenance organization subject to the following laws:  (1) The Arkansas Insurance Code;  (2) Section 23-76-101 et seq., pertaining to health maintenance organizations; and  (3) Any successor laws of the foregoing.    (c) Nothing in this section shall be construed to prohibit a health carrier, as part of the credentialing process, from requesting evidence that the physician has a valid Drug Enforcement Administration certificate.
AR Code § 23-67-201 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 67 - Rates and Rating Organizations|Subchapter 2 - Regulation of Insurance Rates|§ 23-67-201. Purpose

 (a) This chapter shall be liberally construed to achieve the purposes stated in subsection (b) of this section, which shall constitute an aid and guide to interpretation but not an independent source of power.  (b) The purposes of this chapter are to:  (1) Promote the public welfare by regulating insurance rates to the end that they shall not be excessive, inadequate, or unfairly discriminatory;  (2) Prohibit price-fixing agreements and other anticompetitive behavior by insurers;  (3) Promote price competition among insurers so as to provide rates that are responsive to competitive market conditions;  (4) Provide regulatory controls in the absence of competition;  (5) Improve availability, fairness, and reliability of insurance;  (6) Authorize essential cooperative action among insurers in the ratemaking process and to regulate that activity to prevent practices that tend to lessen substantially competition or to create a monopoly;  (7) Encourage the most efficient and economic marketing practices; and  (8) Require the providing of price and other information to enable consumers to purchase insurance suitable for their needs and to foster competitive insurance markets.
AR Code § 23-67-203 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 67 - Rates and Rating Organizations|Subchapter 2 - Regulation of Insurance Rates|§ 23-67-203. Scope

 This chapter applies to all kinds of insurance written on risks in this state by any insurers authorized to do business in this state, except:   (1) Life insurance;  (2) Annuities;  (3) Disability, including accident and health, insurance;  (4) Ocean marine insurance;  (5) Reinsurance;  (6) Aircraft insurance;  (7) Title insurance;  (8) Workers' compensation and employers' liability insurance, except that the following provisions shall apply to these lines: §§ 23-66-206; 23-67-202(1), (4)-(6), and (9)-(12); 23-67-204; 23-67-205; 23-67-208; 23-67-214; 23-67-215(a) and (c); 23-67-216; 23-67-218; 23-67-219; and the Publisher's Note to Title 23, Chapter 67;  (9) Motor vehicle service contracts, for so long as the motor vehicle service contract providers' exposures to their customers are fully insured by an insurer that is authorized to transact property and casualty insurance business in this state; or  (10) Surplus lines insurance.