reglab/housing_qa huggingface dataset:
NV Rev Stat § 686A.100 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.100 - Life insurance, annuities and health insurance: Unfair discrimination prohibited.

  1. No person may make or permit any unfair discrimination between persons of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of such contract.  2. No person may make or permit any unfair discrimination between persons of the same class and of essentially the same hazard in the amount of premium, policy fees or rates charged for any policy or contract of health insurance or in the benefits payable thereunder, or in any of the terms or conditions of such contract, or in any other manner whatever.  3. No person may make or permit any unfair discrimination between persons legally qualified to provide a particular service, in the amount of the fee or charge for that service payable as a benefit under any policy or contract of health insurance.  (Added to NRS by 1971, 1690; A 1983, 326)
NV Rev Stat § 686A.110 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.110 - Life insurance, annuities and health insurance: Rebates and other inducements prohibited; exceptions.

  1. Except as otherwise expressly provided by law, no person shall knowingly:  (a) Permit to be made or offer to make or make any contract of life insurance, life annuity or health insurance, or agreement as to such contract, other than as plainly expressed in the contract issued thereon, or pay or allow, or give or offer to pay, allow or give, directly or indirectly, or knowingly accept, as an inducement to such insurance or annuity, any rebate of premiums payable on the contract, or any special favor or advantage in the dividends or other benefits thereon, or any paid employment or contract for services of any kind, or any valuable consideration or inducement whatever not specified in the contract; or  (b) Directly or indirectly give or sell or purchase or offer or agree to give, sell, purchase, or allow as an inducement to such insurance or annuity or in connection therewith, whether or not to be specified in the policy or contract, any agreement of any form or nature promising returns and profits, or any stocks, bonds or other securities, or interest present or contingent therein or as measured thereby, of any insurer or other corporation, association or partnership, or any dividends or profits accrued or to accrue thereon.  2. The provisions of this section do not prohibit any person, in the case of any policy or contract of life insurance, life annuity or health insurance, from providing to a policyholder or prospective policyholder prizes and gifts, goods, wares, merchandise, gift certificates, donations made to charitable organizations, raffle entries, meals, event tickets and other items not to exceed $100 in aggregate value per policyholder or prospective policyholder in any 1 calendar year.  (Added to NRS by 1971, 1690; A 2017, 1526)
NV Rev Stat § 686A.120 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.120 - Life insurance, annuities and health insurance: Exceptions to provisions limiting discrimination, rebates and use of securities as inducements.

  1. Nothing in NRS 686A.100 and 686A.110 shall be construed as including within the definition of discrimination or rebates any of the following practices:  (a) In the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policyholders and for the best interests of the insurer and its policyholders.  (b) In the case of life insurance policies issued on the debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense.  (c) Readjusting the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year.  (d) Reducing the premium rate for policies of large amounts, but not exceeding savings in issuance and administration expenses reasonably attributable to such policies as compared with policies of similar plan issued in smaller amounts.  (e) Reducing the premium rates for life or health insurance policies or annuity contracts on salary savings, payroll deduction, preauthorized check, bank draft or similar plans in amounts reasonably commensurate with the savings made by the use of such plans.  (f) Extending credit for the payment of any premium, and for which credit a reasonable rate of interest is charged and collected.  2. Nothing in NRS 686A.010 to 686A.310, inclusive, shall be construed as including within the definition of securities as inducements to purchase insurance the selling or offering for sale, contemporaneously with life insurance, of mutual fund shares or face amount certificates of regulated investment companies under offerings registered with the Securities and Exchange Commission where such shares or such face amount certificates or such insurance may be purchased independently of and not contingent upon purchase of the other, at the same price and upon similar terms and conditions as where purchased independently.  (Added to NRS by 1971, 1690)
NV Rev Stat § 686A.140 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.140 - Violations concerning rebates and inducements: Penalties; effect.

  1. Any person violating the provisions of NRS 686A.110 or 686A.130 is guilty of a misdemeanor.  2. No agent or broker violating any of such provisions shall be entitled to receive any commission for the sale of any policy on which any rebate or inducement prohibited by NRS 686A.110 or 686A.130 has been given or offered, and the full amount of any commission so paid may be recovered by the insurer so paying.  3. The amount of any insurance upon which the insured has knowingly received or accepted, either directly or indirectly, any unlawful rebate of the premium or agent’s, solicitor’s or broker’s commission shall be reduced in such proportion as the amount or value of such rebate, commission or other consideration so received by the insured bears to the total premium on such policy.  4. A title insurer or underwritten title company shall be liable to the State of Nevada for five times the amount of any unlawful commission or rebate paid in violation of NRS 686A.130, which amount may be recovered by the Commissioner in addition to any other penalty imposed by law.  (Added to NRS by 1971, 1692)
NV Rev Stat § 686A.150 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.150 - Using security, advisory board contract or agreement offering or promising profit as inducement prohibited.

Except as provided in subsection 2 of NRS 686A.120 (contemporaneous sales of life insurance and mutual fund shares), no person shall sell, agree or offer to sell, or give or offer to give, directly or indirectly in any manner whatsoever, as an inducement to insurance or in connection therewith, any stock, shares, bonds or other securities of any kind, or any advisory board contract or other contract or agreement of any kind offering or promising returns and profits.  (Added to NRS by 1971, 1693)
NV Rev Stat § 686A.160 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.160 - Enforcement: Prohibited practices.

If the Commissioner has cause to believe that any person has been engaged or is engaging, in this state, in any unfair method of competition or any unfair or deceptive act or practice prohibited by NRS 686A.010 to 686A.310, inclusive, and that a proceeding by the Commissioner in respect thereto would be in the interest of the public, the Commissioner may issue and serve upon such person a statement of the charges and a notice of the hearing to be held thereon. The statement of charges and notice of hearing shall comply with the requirements of NRS 679B.320 and shall be served upon such person directly or by certified or registered mail, return receipt requested.  (Added to NRS by 1971, 1693; A 1975, 1288; 1977, 432)
NV Rev Stat § 686A.170 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.170 - Enforcement: Undefined practices.

  1. If the Commissioner believes that any person engaged in the insurance business is in the conduct of such business engaging in this state in any method of competition or in any act or practice not defined in NRS 686A.010 to 686A.310, inclusive, which is unfair or deceptive and that a proceeding by the Commissioner in respect thereto would be in the public interest, the Commissioner shall, after a hearing of which notice and of the charges against such person are given to the person, make a written report of the findings of fact relative to such charges and serve a copy thereof upon such person and any intervener at the hearing.  2. If such report charges a violation of NRS 686A.010 to 686A.310, inclusive, and if such method of competition, act or practice has not been discontinued, the Commissioner may, through the Attorney General, at any time after 20 days after the service of such report cause an action to be instituted in the district court of the county wherein the person resides or has his or her principal place of business to enjoin and restrain such person from engaging in such method, act or practice. The court shall have jurisdiction of the proceeding and shall have power to make and enter appropriate orders in connection therewith and to issue such writs or orders as are ancillary to its jurisdiction or necessary in its judgment to prevent injury to the public pendente lite; but the State of Nevada shall not be required to give security before the issuance of any such order or injunction under this section. If a stenographic record of the proceedings in the hearing before the Commissioner was made, a certified transcript thereof including all evidence taken and the report and findings shall be received in evidence in such action.  3. If the court finds that:  (a) The method of competition complained of is unfair or deceptive;  (b) The proceedings by the Commissioner with respect thereto are to the interest of the public; and  (c) The findings of the Commissioner are supported by the weight of the evidence,  it shall issue its order enjoining and restraining the continuance of such method of competition, act or practice.  4. Either party may appeal from such final judgment or order or decree of court in a like manner as provided for appeals in civil cases.  5. If the Commissioner’s report made under subsection 1 or order on hearing made under NRS 679B.360 does not charge a violation of NRS 686A.010 to 686A.310, inclusive, then any intervener in the proceedings may appeal therefrom within the time and in the manner provided in this Code for appeals from the Commissioner generally.  6. Upon violation of any injunction issued under this section, the Commissioner, after a hearing thereon, may impose the appropriate penalties provided for in NRS 686A.187.  (Added to NRS by 1971, 1693; A 1975, 1288)
NV Rev Stat § 686A.180 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.180 - Service of process upon unauthorized insurers.

  1. Service of all process, statements of charges and notices under NRS 686A.010 to 686A.310, inclusive, upon unauthorized insurers shall be made by delivering to and leaving with the Commissioner or some person in apparent charge of the office of the Commissioner two copies thereof, or in the manner provided for by subsection 2 of NRS 685B.050 (service of process).  2. The Commissioner shall forward all such process, statements of charges and notices to the insurer in the manner provided in subsection 3 of NRS 685B.050.  3. No default shall be taken against any such unauthorized insurer until expiration of 30 days after the date of forwarding by the Commissioner under subsection 2, or date of service of process if under subsection 2 of NRS 685B.050.  4. NRS 685B.050 applies to all process, statements of charges and notices under this section.  (Added to NRS by 1971, 1694)
NV Rev Stat § 686A.183 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.183 - Cease and desist orders and penalties for prohibited practices; modification and setting aside of Commissioner’s orders.

  1. After the hearing provided for in NRS 686A.160, the Commissioner shall issue an order on hearing pursuant to NRS 679B.360. If the Commissioner determines that the person charged has engaged in an unfair method of competition or an unfair or deceptive act or practice in violation of NRS 686A.010 to 686A.310, inclusive, the Commissioner shall order the person to cease and desist from engaging in that method of competition, act or practice, and may order one or both of the following:  (a) If the person knew or reasonably should have known that he or she was in violation of NRS 686A.010 to 686A.310, inclusive, payment of an administrative fine of not more than $5,000 for each act or violation, except that as to licensed agents, brokers, solicitors and adjusters, the administrative fine must not exceed $500 for each act or violation.  (b) Suspension or revocation of the person’s license if the person knew or reasonably should have known that he or she was in violation of NRS 686A.010 to 686A.310, inclusive.  2. Until the expiration of the time allowed for taking an appeal, pursuant to NRS 679B.370, if no petition for review has been filed within that time, or, if a petition for review has been filed within that time, until the official record in the proceeding has been filed with the court, the Commissioner may, at any time, upon such notice and in such manner as the Commissioner deems proper, modify or set aside, in whole or in part, any order issued by him or her under this section.  3. After the expiration of the time allowed for taking an appeal, if no petition for review has been filed, the Commissioner may at any time, after notice and opportunity for hearing, reopen and alter, modify or set aside, in whole or in part, any order issued by him or her under this section whenever in the opinion of the Commissioner conditions of fact or of law have so changed as to require such action or if the public interest so requires.  (Added to NRS by 1975, 1284; A 1977, 432; 1993, 2394; 1997, 783)
NV Rev Stat § 686A.185 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.185 - Review and finality of Commissioner’s orders.

  1. An order issued by the Commissioner under NRS 686A.183 is subject to review pursuant to the provisions of NRS 679B.370.  2. An order issued by the Commissioner under NRS 686A.183 or 686A.187 shall become final:  (a) Upon the expiration of the time allowed for taking an appeal, if no petition for review has been duly filed within such time, except that the Commissioner may thereafter modify or set aside the order to the extent provided in subsection 3 of NRS 686A.183; or  (b) Upon the final decision of the court if the court directs that the order of the Commissioner be affirmed or the petition for review dismissed.  (Added to NRS by 1975, 1285)
NV Rev Stat § 686A.187 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.187 - Penalties for violating cease and desist order.

Any person who violates a cease and desist order of the Commissioner issued under NRS 686A.183, except one issued with respect to NRS 686A.170, is subject, in the discretion of the Commissioner, after notice and hearing and upon order of the Commissioner, to one or both of the following:  1. Payment of an administrative fine of not more than $5,000 for each and every violation.  2. Suspension or revocation of the license.  (Added to NRS by 1975, 1285)
NV Rev Stat § 686A.190 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.190 - Interlocking ownership or management.

  1. Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurers, unless such retention, investment, acquisition or common management is inconsistent with any other provision of this Code, or unless by reason thereof the business of such insurers with the public is conducted in a manner which substantially lessens competition generally in the insurance business or tends to create any monopoly therein.  2. Any person otherwise qualified may be a director of two or more insurers which are competitors, unless the effect thereof is to lessen substantially competition between insurers generally or tends materially to create any monopoly.  (Added to NRS by 1971, 1694)
NV Rev Stat § 686A.200 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.200 - Favored agent or insurer.

  1. Except as otherwise provided in NRS 616B.710, no person shall require, directly or indirectly, or through any trustee, director, officer, agent or employee or affiliate, as a condition, agreement or understanding to selling or furnishing any other person any loan, or extension thereof, credit, sale, goods, property, contract, lease or service, that such other person shall place, continue (other than as to life insurance) or renew any policy of insurance of any kind through any particular agent, broker or insurer. No agent, broker or insurer shall knowingly participate in any such prohibited plan or transaction. No person shall fix a price charged for such thing or service, or discount from or rebate upon price, on the condition, agreement or understanding that any insurance is to be obtained through a particular agent, broker or insurer.  2. Subsection 1 does not prevent:  (a) The exercise by any such person upon a reasonable basis of any right to approve or disapprove of the insurer and representative to underwrite the insurance. Such basis shall relate only to the adequacy and terms of the coverage with respect to the interest of the vendor, lender, lessor or provider of service to be insured thereunder, the financial standards to be met by the insurer, and the ability of the insurer or representative to service the policy.  (b) The exercise by the vendor, lender, lessor or provider of service of the right to furnish or renew the insurance, and to charge the account of the other person with the costs thereof, if such other person fails to deliver such insurance to the lender, vendor, lessor or provider of service, where otherwise called for and in order, at least 15 days prior to expiration of the existing policy.  (Added to NRS by 1971, 1695; A 1999, 3147)
NV Rev Stat § 686A.210 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.210 - Service and processing charges prohibited.

No mortgagee, lessor, vendor or other person whose interest is insured under an insurance policy paid for by another shall make, receive or accept any monetary charge or fee paid or payable by such other person, for handling, servicing or processing the insurance policy, or endorsements thereon or cancellation thereof.  (Added to NRS by 1971, 1696)
NV Rev Stat § 686A.220 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.220 - Favored agent or surety for bonds under public building or construction contract.

  1. Except as otherwise provided in NRS 616B.710, no officer or employee of this state, or of any public agency, public authority or public corporation (except a public corporation or public authority created pursuant to agreement or compact with another state), and no person acting or purporting to act on behalf of such officer or employee, or public agency or public authority or public corporation, shall, with respect to any public building or construction contract which is about to be or which has been competitively bid, require the bidder to make application or furnish financial data to, or to obtain or procure any of the surety bonds or contracts of insurance specified in connection with such contracts or by any law from, a particular insurer or agent or broker.  2. Except as otherwise provided in NRS 616B.710, no such officer or employee or any person acting or purporting to act on behalf of such officer or employee shall negotiate, make application for, obtain or procure any of such surety bonds or contracts of insurance (except contracts of insurance for builder’s risk or owner’s protective liability) which can be obtained or procured by the bidder, contractor or subcontractor.  3. This section does not, however, prevent the exercise by such officer or employee on behalf of the State or such public agency, public authority or public corporation of its right to approve the form, sufficiency or manner of execution of the surety bonds or contracts of insurance furnished by the insurer selected by the bidder to underwrite such bonds or contracts of insurance.  4. Any provisions in any invitation for bids or in any of the contract documents in conflict with this section are declared to be contrary to the public policy of this state.  5. A violation of this section is subject to the penalties provided by NRS 679A.180 (general penalty).  (Added to NRS by 1971, 1942; A 1999, 3148)