reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  18-118 (2021)
2021 Maryland Statutes|Insurance|Title 18 - Long-Term Care Insurance|Section 18-118 - Cancellation, Refusal to Renew, or Termination of Policies

    (a)    (1)    A carrier may cancel, refuse to renew, or otherwise terminate long-term care insurance only for nonpayment of premiums or material misrepresentation.        (2)    A carrier may not cancel a policy of long-term care insurance under this subsection for nonpayment of premiums unless the carrier provides written notice to:            (i)    the insured; and            (ii)    an individual designated by the insured under subsection (b) of this section to receive notice of cancellation not later than the date on which the carrier sends a second notice of the cancellation.    (b)    (1)    A carrier may not deliver an individual policy of long-term care insurance to an insured until the carrier has notified the insured of the option to designate in writing one individual in addition to the insured who will receive notice of cancellation of the policy for nonpayment of premiums under subsection (a) of this section.        (2)    The insured may change the written designation under this subsection at any time.        (3)    The written designation shall be on a form provided by the carrier that states that the insured may:            (i)    designate one individual for receipt of notice of cancellation; and            (ii)    change the written designation at any time.    (c)    (1)    Termination of a policy or certificate of long-term care insurance shall be without prejudice to any benefits payable for institutionalization if the institutionalization began while the policy or certificate of long-term care insurance was in effect and continues without interruption after termination.        (2)    An extension of benefits beyond the period the policy of long-term care insurance was in effect may be:            (i)    limited to the duration of the benefit period, if any, or to payment of the maximum benefits; and            (ii)    subject to any policy waiting period and all other applicable provisions of the policy.
MD. Insurance Code Ann. §  18-119 (2021)
2021 Maryland Statutes|Insurance|Title 18 - Long-Term Care Insurance|Section 18-119 - Surrender of Policy

    (a)    This section does not apply to plans under § 125 of the Internal Revenue Code.    (b)    (1)    An insured or certificate holder who is insured under a policy or contract of long–term care insurance may surrender the policy or contract within 30 days after delivery for a return of any premium paid by providing written notice of surrender to the carrier.        (2)    The right of surrender may not be waived.        (3)    A contract to purchase long–term care insurance shall contain the following statement:    “Notice to buyer: You may surrender the contract or policy of long–term care insurance without penalty or obligation within 30 days from the date of delivery of the policy. If you decide to surrender the contract or policy, you must provide notice of the surrender to the insurer. Any attempt to obtain a waiver of your right to surrender is unlawful. Surrender entitles you to a refund of all money within 30 business days after receipt of notice of surrender.”    (c)    A policy surrendered under this section is deemed void from its effective date.
MD. Insurance Code Ann. §  21-101 (2021)
2021 Maryland Statutes|Insurance|Title 21 - Surety Insurance|Section 21-101 - Authority of Surety Insurers to Execute Bonds

    (a)    A surety insurer qualified to act as surety or guarantor under this article may execute:        (1)    a bond, undertaking, recognizance, or other obligation that is required or allowed to be made, given, tendered, or filed with a surety by law or in the charter, ordinances, rules, or regulations of a municipal corporation, board, body, organization, court, judge, or public officer; and        (2)    a guaranty of the performance of an act, duty, or obligation, or the refraining from an act, that is required or allowed to be guaranteed.    (b)    The execution by a qualified surety insurer of a bond, undertaking, recognizance, obligation, or guaranty is in full compliance with each requirement of each law, charter, ordinance, rule, or regulation that:        (1)    the bond, undertaking, recognizance, obligation, or guaranty shall be executed by a surety; or        (2)    the surety shall be a resident, householder, or freeholder, or either or both, or shall have any other qualifications.    (c)    Each court, judge, department head, board, body, municipal corporation, and public officer shall accept a bond, undertaking, recognizance, obligation, or guaranty executed by a qualified surety insurer and treat it as conforming to and fully complying with each requirement of each applicable law, charter, ordinance, rule, or regulation.    (d)    A surety insurer may be released from its liability on a bond, undertaking, recognizance, obligation, or guaranty executed under subsection (a) of this section on the same terms and conditions provided by law for the release of an individual surety.
MD. Insurance Code Ann. §  21-102 (2021)
2021 Maryland Statutes|Insurance|Title 21 - Surety Insurance|Section 21-102 - Evidence of Qualification to Be Sole Surety

    A certificate of authority, or certified copy of a certificate of authority, issued by the Commissioner to a surety insurer shall be accepted as evidence of qualification to become sole surety on a bond, undertaking, recognizance, or other obligation required or allowed by law, or in the charter, ordinances, rules, or regulations of a municipal corporation, board, organization, court, judge, or public officer, without further proof or qualification regarding solvency, credit, or financial sufficiency to act as a surety.
MD. Insurance Code Ann. §  21-103 (2021)
2021 Maryland Statutes|Insurance|Title 21 - Surety Insurance|Section 21-103 - Failure to Pay Bail Bond Judgment; Penalties

    (a)    A surety insurer that is removed by the District Court from the list of surety insurers eligible to post bonds with the court because that surety insurer failed to timely resolve or satisfy one or more bail bond forfeitures appearing on the District Court’s list of absolute bond forfeitures in default shall be subject to the penalties under § 4–113 of this article.    (b)    A surety insurer that is precluded or removed by a circuit court from the list of surety insurers eligible to post bonds with any circuit court because that surety insurer failed to timely resolve or satisfy one or more bail bond forfeiture judgments shall be subject to the penalties under § 4–113 of this article.    (c)    Within 14 days after the failure of a surety insurer to resolve or satisfy all bond forfeitures in default by the District Court’s or circuit court’s deadline, the clerk of the applicable court shall notify the Commissioner, in writing, of the name of that surety insurer and each bond forfeiture that was not resolved or satisfied by the applicable court’s deadline.
MD. Insurance Code Ann. §  22-101 (2021)
2021 Maryland Statutes|Insurance|Title 22 - Title Insurance|Section 22-101 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Abstract of title” means a representation of the state of title to property based on a review of the records that impart constructive notice relating to title to property in the State.        (2)    “Abstract of title” includes a report of title and any other written or electronically created or preserved representation of the state of title to property.    (c)    (1)    “Title insurance commitment” means a written statement of the terms and conditions on which a title insurer is willing to issue a policy of title insurance if the title insurer accepts a premium for the policy.        (2)    “Title insurance commitment” includes a binder.
MD. Insurance Code Ann. §  22-102 (2021)
2021 Maryland Statutes|Insurance|Title 22 - Title Insurance|Section 22-102 - Premiums for Title Insurance

    Premiums for title insurance shall be set out clearly and subject to the approval of the Commissioner.
MD. Insurance Code Ann. §  22-104 (2021)
2021 Maryland Statutes|Insurance|Title 22 - Title Insurance|Section 22-104 - Title Insurance Commitment or Sample of the Form of Policy

    (a)    A title insurance commitment or sample of the form of policy into which the contingencies and conditions for insuring will be inserted:        (1)    constitutes a statement of the terms and conditions on which a title insurer is willing to issue a policy of title insurance if the title insurer accepts the premium for the policy;        (2)    is not a representation as to the state of title; and        (3)    does not constitute an abstract of title.    (b)    The rights, duties, and responsibilities applicable to the preparation or issuance of an abstract of title do not apply to the issuance of a title insurance commitment or sample of the form of policy into which the contingencies and conditions for insuring will be inserted.    (c)    A title insurance commitment or sample of the form of policy into which the contingencies and conditions for insuring will be inserted shall contain the following statement:    “This document constitutes a statement of the terms and conditions on which a title insurer is willing to issue a policy of title insurance if the title insurer accepts the premium for the policy. It is not a representation as to the state of title and does not constitute an abstract of title.”.
MD. Insurance Code Ann. §  22-105 (2021)
2021 Maryland Statutes|Insurance|Title 22 - Title Insurance|Section 22-105 - Deposits of Trust Money

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Beneficial owner” means a person, other than the buyer in a real estate transaction, for whose benefit a title insurer or its agent is entrusted to hold trust money.        (3)    “Trust money” means a deposit, payment, or other money that a person entrusts to a title insurer or its agent to hold for the benefit of a buyer in a real estate transaction or for a beneficial owner, in connection with an escrow, settlement, closing, or title indemnification.    (b)    A title insurer or its agent shall pool and commingle trust money received from clients or beneficial owners in connection with escrows, settlements, closings, or title indemnifications if, in the judgment of the title insurer or its agent, a separate deposit of the trust money would generate interest in an amount not greater than $50 or the cost of administering a separate account.    (c)    At least quarterly, the financial institution in which a commingled account is maintained under this section shall pay the interest earned on the account, less any service charges of the financial institution, to the Maryland Affordable Housing Trust to enhance the availability of affordable housing throughout the State as provided in § 10–102 of the Housing and Community Development Article.    (d)    Trust money required to be commingled under subsection (b) of this section in connection with a real estate transaction shall be deposited and maintained until disbursed in accordance with the transaction:        (1)    in a financial institution located in the State; or        (2)    subject to approval of the Commissioner of Financial Regulation, in a financial institution outside the State that complies with the requirements of this subtitle.    (e)    A title insurer or its agent does not violate, and may not be charged by the Commissioner with a violation of, any ethical or legal duties by placing trust money in an account under subsection (b) of this section with the interest paid to the Maryland Affordable Housing Trust under subsection (c) of this section.    (f)    Except for trust money that a title insurer or its agent places in a commingled account under subsections (b) and (c) of this section, and subject to regulations of the Commissioner, trust money in the possession of the title insurer or its agent may be deposited in any other deposit or investment vehicle:        (1)    specified by the client or beneficial owner; or        (2)    as agreed on by the client or beneficial owner and the title insurer or its agent.
MD. Insurance Code Ann. §  28-101 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-101 - Definitions

    (a)    In this title the following words have the meanings indicated.    (b)    “Areas under Nazi influence” means the country of Nazi Germany, areas occupied by Nazi Germany, those European countries allied with Nazi Germany, areas occupied by those European countries allied with Nazi Germany, or any other neutral European country or area in Europe under the influence or threat of invasion by Nazi Germany or by any European country allied with or occupied by Nazi Germany.    (c)    “Holocaust victim” means an individual, claimant, or the estate, heir, legatee, descendant, survivor, beneficiary, or other successor-in-interest of the individual, who died or lost property as a result of discriminatory laws, policies, or actions targeted against discrete groups of individuals based on race, religion, ethnicity, sexual orientation, or national origin, whether or not the individual was actually a member of any of those groups, or because the individual assisted or allegedly assisted any of those groups, between January 1, 1929, and December 31, 1945, in areas under Nazi influence.    (d)    (1)    “Insurance policy” means a policy of insurance substantially similar to any kind of insurance that was authorized at any time in Maryland between and including the years 1929 and 1945 or authorized by the jurisdiction in which the policy was sold at the time it was sold.        (2)    “Insurance policy” includes any form of life, accident, health, annuities, property, casualty, education, or dowry insurance.    (e)    “International Commission” means the twelve member commission, and any successor organization, established by the September 1998 Memorandum of Understanding executed by the Maryland Insurance Commissioner, insurance regulators from other states, European insurers, and international Jewish organizations.    (f)    “Nazi Germany” means:        (1)    for the period from 1929 to 1933, the Republic of Germany, commonly referred to as the Weimar Republic; and        (2)    for the period from 1933 through 1945, Deutsche Reich.    (g)    “Proceeds” means the face or other pay-out value of an insurance policy or annuity plus reasonable interest to date of payment as required by regulations adopted by the Commissioner.
MD. Insurance Code Ann. §  28-102 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-102 - Toll-Free Telephone Number

    The Commissioner shall arrange for a toll-free telephone number, available in English as well as other appropriate languages, to assist any person seeking to recover proceeds from an insurance policy issued to or covering the life or property of a Holocaust victim.
MD. Insurance Code Ann. §  28-103 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-103 - Investigation of Claims; Unfair or Deceptive Practices; Notice of Investigations; Intentional Destruction or Alteration of Records

    (a)    Notwithstanding any inconsistent provision of this title, any insurer authorized to do insurance business in the State, in receipt of a claim against it arising from an occurrence during the period between January 1, 1929, and December 31, 1945, from an individual that the insurer knows, or reasonably should have known, is a Holocaust victim shall:        (1)    diligently and expeditiously investigate the claim;        (2)    allow claimants to provide alternative documentation that does not meet the usual standards of proof required by the insurer to substantiate the particular claim, subject to standards established for alternative documentation as required by regulations adopted by the Commissioner; and        (3)    attempt to resolve, settle, and, if appropriate, make payments on claims irrespective of any statute of limitations or notice requirements imposed by law or the insurance policy issued to or covering the life, property, or interests of a Holocaust victim, if the claim is submitted to the insurer within 10 years after the effective date of this title.    (b)    A violation of this section is an unfair or deceptive act or practice in the business of insurance in violation of Title 27 of this article.    (c)    (1)    This title shall serve as additional and conclusive notice that the Commissioner is currently investigating all claims pertaining to the victims of the Holocaust.        (2)    Evidence of the intentional destruction or alteration of any records or other materials pertaining to a claim shall be admissible in both administrative and judicial proceedings as evidence in support of any claim being made against the insurer involving the destroyed or altered material.        (3)    It may be inferred in an administrative or judicial proceeding that the intentional destruction or alteration of any records or other materials pertaining to a claim was done in order to prevent discovery of information to support any claim of a Holocaust victim.
MD. Insurance Code Ann. §  28-104 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-104 - Civil Practice

    (a)    Notwithstanding any law or agreement among the parties to an insurance policy to the contrary, any action arising from an occurrence during the period between January 1, 1929, and December 31, 1945, brought by a Holocaust victim seeking proceeds of an insurance policy issued to or covering the life or property of a Holocaust victim before December 31, 1945, may not be dismissed for failure to comply with any statute of limitations or laches or other similar provision of any applicable law relating to the timeliness of the filing of claims that might prevent a claim from being heard on its merits, or any notice requirements imposed by any insurance policy if the action is commenced within 10 years after the effective date of this title.    (b)    Any action arising from an occurrence during the period between January 1, 1929, and December 31, 1945, brought by a Holocaust victim seeking proceeds of an insurance policy issued to or covering the life or property of a Holocaust victim before December 31, 1945, may not be stayed or dismissed under the Maryland Rules of Civil Procedure.    (c)    In recognition of the significant period of time that has passed and in order to effect the goals of substantial justice, the rules regarding the admissibility of evidence, and principles of law or other rules relating to the admission of hearsay evidence shall be relaxed at the discretion of the trial judge in any action or proceeding authorized by this section.
MD. Insurance Code Ann. §  28-106 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-106 - Commissioner Reporting Requirements

    (a)    On or before December 1, 1999, and then on December 1 for each of the succeeding 10 years, the Commissioner shall report to the Governor and, subject to § 2-1257 of the State Government Article, the General Assembly the following information:        (1)    the progress of the International Commission in receiving, investigating, and resolving insurance claims of Holocaust victims; and        (2)    the status of any reports that insurers were directed to file under § 28-105 of this title.    (b)    The Commissioner’s report under this section shall include:        (1)    the number of insurers authorized to do business in the State and the number of other insurers that may be in the same holding company system as an authorized insurer that could possibly be expected to have issued an insurance policy to a Holocaust victim between January 1, 1920, and December 31, 1945;        (2)    the approximate number and total value of all insurance policies issued to Holocaust victims between January 1, 1920, and December 31, 1945, that, as of the date of the report, remain unpaid or were paid to, or expropriated by, a government located in areas under Nazi influence that was not the named beneficiary of the insurance policy;        (3)    a listing by insurer of the number of claims filed by individuals who allege or have alleged that they are Holocaust victims and whether each claim has been paid or payment has been denied;        (4)    a summary of the length of time for the processing and disposition of claims filed by individuals who allege or have alleged that they are Holocaust victims by the insurer; and        (5)    a listing of the circumstances of the activities of the Commissioner under item (4) of this subsection and § 28-107 of this title.
MD. Insurance Code Ann. §  28-107 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-107 - Penalties

    (a)    In addition to any other penalty authorized by this title, any insurer or person that violates this title is subject to a civil penalty of up to $100,000 for each day the violation continues.    (b)    If the Commissioner finds that a violation of this title is willful, the insurer shall be fined an amount that the Commissioner considers appropriate based on the degree of willful misconduct and the nature of the violation.
MD. Insurance Code Ann. §  28-108 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-108 - Compliance Nonviolative of Title 27

    An insurer may not be considered to be in violation of any provision of Title 27 of this article for complying with this title.
MD. Insurance Code Ann. §  28-109 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-109 - Regulations

    The Commissioner shall adopt regulations to carry out this title and to facilitate, monitor, and verify compliance with this title.
MD. Insurance Code Ann. §  28-110 (2021)
2021 Maryland Statutes|Insurance|Title 28 - Holocaust Victims Insurance Act|Section 28-110 - Short Title

    This title is the Holocaust Victims Insurance Act.
MD. Insurance Code Ann. §  29-102 (2021)
2021 Maryland Statutes|Insurance|Title 29 - Interstate Insurance Product Regulation Compact|Section 29-102 - Insurance Commissioner as Representative to Commission

    The Insurance Commissioner of the Maryland Insurance Administration is hereby appointed as the State of Maryland’s representative to the Interstate Insurance Product Regulation Commission.
MD. Insurance Code Ann. §  30-101 (2021)
2021 Maryland Statutes|Insurance|Title 30 - Slavery Era Insurance Policy Reporting|Section 30-101 - Definitions

    (a)    In this title the following words have the meanings indicated.    (b)    “Reporting insurer” means an insurer that is a member of a holding company that has been designated by the holding company as responsible for submitting a report under § 30–102 of this title on behalf of the insurer and other insurers in the holding company.    (c)    “Slave” means an individual:        (1)    who had no freedom of action;        (2)    whose person and services were wholly under the control of another;        (3)    who was in a state of enforced compulsory service to another; and        (4)    who could not legally leave enforced compulsory service to another on the individual’s own initiative during the individual’s lifetime before the end of the slavery era.    (d)    “Slaveholder” means:        (1)    an owner of a slave;        (2)    an owner of a commercial enterprise that used the services of a slave;        (3)    an owner of a vessel or other means of transporting slaves; or        (4)    a person dealing in the purchase, sale, or financing of the business of slaves and slavery.    (e)    “Slaveholder insurance policy” means a policy issued to or for the benefit of a slaveholder to insure the slaveholder against injury to a slave or the death of a slave.    (f)    “Slavery era” means years prior to 1865.