reglab/housing_qa huggingface dataset:
NV Rev Stat § 679B.240 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.240 - Examination of holding companies, subsidiaries, agents, promoters, independent review organizations and others.

To ascertain compliance with law, or relationships and transactions between any person and any insurer or proposed insurer, the Commissioner may, as often as he or she deems advisable, examine the accounts, records, documents and transactions relating to such compliance or relationships of:  1. Any producer of insurance, solicitor, surplus lines broker, general agent, adjuster, insurer representative, bail agent, motor club agent or any other licensee or any other person the Commissioner has reason to believe may be acting as or holding himself or herself out as any of the foregoing.  2. Any person having a contract under which the person enjoys in fact the exclusive or dominant right to manage or control an insurer.  3. Any insurance holding company or other person holding the shares of voting stock or the proxies of policyholders of a domestic insurer, to control the management thereof, as voting trustee or otherwise.  4. Any subsidiary of the insurer.  5. Any person engaged in this state in, or proposing to be engaged in this state in, or holding himself or herself out in this state as so engaging or proposing, or in this state assisting in, the promotion, formation or financing of an insurer or insurance holding corporation, or corporation or other group to finance an insurer or the production of its business.  6. Any independent review organization, as defined in NRS 695G.026.  (Added to NRS by 1971, 1567; A 1983, 1102; 1997, 3374; 2003, 3277; 2011, 3349; 2017, 2332)
NV Rev Stat § 679B.250 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.250 - Conduct of examination; access to records; corrections; penalty.

  1. When the Commissioner determines to examine the affairs of any person, the Commissioner shall designate one or more examiners and instruct them as to the scope of the examination. The examiner shall, upon demand, exhibit the official credentials of the examiner to the person under examination.  2. The Commissioner shall conduct each examination in an expeditious, fair and impartial manner.  3. Upon any such examination the Commissioner, or the examiner if specifically so authorized in writing by the Commissioner, may administer oaths, and examine under oath any person as to any matter relevant to the affairs under examination or relevant to the examination.  4. Every person being examined, its officers, attorneys, employees, agents and representatives shall make freely available to the Commissioner or the examiners of the Commissioner the accounts, records, documents, files, information, assets and matters of the person examined in his or her possession or control relating to the subject of the examination and shall facilitate the examination.  5. If the Commissioner or examiner finds any accounts or records to be inadequate, or inadequately kept or posted, the Commissioner may employ experts to reconstruct, rewrite, post or balance them at the expense of the person being examined if that person has failed to maintain, complete or correct the records or accounting after the Commissioner or examiner has given the person written notice and a reasonable opportunity to do so.  6. Neither the Commissioner nor any examiner may remove any record, account, document, file or other property of the person being examined from the offices or place of the person examined except with the written consent of the person before removal or pursuant to an order of court duly obtained. This provision does not affect the making and removal of copies or abstracts of any such record, account, document or file.  7. Any person who refuses without just cause to be examined under oath or who willfully obstructs or interferes with the examiners in the exercise of their authority pursuant to this section is guilty of a misdemeanor.  8. This chapter does not limit the Commissioner’s authority:  (a) To terminate or suspend an examination in order to pursue other legal or regulatory action.  (b) During any hearing or any legal action, to use and, if so ordered by a court, to make public a final or preliminary report of an examination, working papers or other documents of an examiner or insurer, or any other information discovered or developed during the course of an examination. Such documents must be given their appropriate evidentiary weight and must not be accepted as prima facie evidence of the facts contained therein.  (Added to NRS by 1971, 1567; A 1995, 1750)
NV Rev Stat § 679B.260 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.260 - Appraisal of asset.

  1. If the Commissioner deems it necessary to value any asset involved in such an examination, the Commissioner may make written request of the person being examined to appoint one or more appraisers who by reason of education, experience or special training, and disinterest, are competent to appraise the asset. Selection of any such appraiser shall be subject to the written approval of the Commissioner. If no such appointment is made within 10 days after the request therefor was delivered to such person, the Commissioner may appoint the appraiser or appraisers.  2. Any such appraisal shall be expeditiously made, and a copy thereof furnished to the Commissioner and to the person being examined.  3. The reasonable expense of the appraisal shall be borne by the person being examined.  (Added to NRS by 1971, 1568)
NV Rev Stat § 679B.270 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.270 - Report of examination: Contents; evidentiary effect in certain proceedings.

  1. No later than 60 days after the completion of an examination, the examiner designated by the Commissioner shall file a verified report of examination, in writing, which must be comprised only of facts appearing upon the books, records or other documents of the insurer or its agents or other persons examined concerning its affairs, or as ascertained from the testimony of the officers or agents or other persons examined concerning its affairs, and such conclusions and recommendations as the examiner finds reasonably warranted from the facts. The report of examination must be verified by the oath of the examiner making the report.  2. Such a report of examination of an insurer so verified is prima facie evidence in any action or proceeding for the receivership, conservation or liquidation of the insurer brought in the name of the state against the insurer, its officers or agents upon the facts stated therein.  (Added to NRS by 1971, 1569; A 1977, 693; 1995, 1751; 2017, 62)
NV Rev Stat § 679B.280 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.280 - Report of examination: Right of examinee to review and respond to report; Commissioner to issue order regarding action to be taken on report.

  1. Upon receipt of the verified report of the examination, the Commissioner shall deliver a copy of the report to the person examined, together with a notice affording the person 10 days or such additional reasonable period as the Commissioner for good cause may allow within which to review the report and make a written submission or rebuttal with respect to recommended changes or any matters contained in the report.  2. Within 30 days after the end of the period allowed for the receipt of written submissions or rebuttals, the Commissioner shall fully consider and review the report, together with any written submissions or rebuttals and any relevant portions of the examiner’s working papers and enter an order:  (a) Adopting the report as filed or with modification or corrections;  (b) Rejecting the report with directions to the examiner to reopen the examination for purposes of obtaining additional data, documentation or information, and requiring the refiling of the report pursuant to subsection 1 of NRS 679B.270; or  (c) For an investigatory hearing for purposes of obtaining additional documentation, data, information and testimony.  3. If the report reveals that the insurer is operating in violation of any law, regulation or previous order of the Commissioner, the Commissioner may order the insurer to take any action the Commissioner considers necessary or appropriate to cure the violation.  (Added to NRS by 1971, 1569; A 1991, 1618; 1993, 2901; 1995, 1751)
NV Rev Stat § 679B.282 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.282 - Report of examination: Hearing; filing; distribution.

  1. If requested by the person examined, within the period allowed under subsection 1 of NRS 679B.280, or if ordered pursuant to subsection 2 of that section, the Commissioner shall hold a hearing relative to the report and shall not file the report in the Division for public inspection until after the hearing and the order of the Commissioner thereon.  2. If no hearing has been requested or ordered, the examination report, with such modifications, if any, thereof as the Commissioner deems proper, must be filed in the Division for public inspection within 30 days after the expiration of the period allowed for review by the person examined. Otherwise the report must be so filed within 30 days after final hearing thereon, except that the Commissioner may withhold from public inspection any report for so long as the Commissioner deems such withholding to be necessary for the protection of the person examined against unwarranted injury or to be in the public interest.  3. The Commissioner shall forward to the person examined a copy of the examination report as filed, together with any recommendations or statements relating thereto which the Commissioner deems proper.  4. If the report concerns the examination of a domestic insurer, a copy of the report, or a summary thereof approved by the Commissioner must be presented by the insurer’s chief executive officer to the insurer’s board of directors or similar governing body at its next regular board meeting. A copy of the report must also be furnished by the secretary of the insurer, if incorporated, or by the attorney-in-fact if a reciprocal insurer, within 30 days after receipt of the report in final form by the insurer, to each member of the insurer’s board of directors or board of governors, if a reciprocal insurer, and the certificate of the secretary or attorney-in-fact that a copy of the examination report has been so furnished shall be deemed to constitute knowledge of the contents of the report by each such member.  (Added to NRS by 1995, 1749)
NV Rev Stat § 679B.285 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.285 - Report of examination: Confidentiality.

  1. The Commissioner may disclose the content of a report, preliminary report, or the results of an examination, or any matter relating thereto, to the Division or any agency of any other state or country that regulates insurance, or to law enforcement officers of this or any other state, or to an agency of the Federal Government at any time, if the agency or office receiving the report or matter relating thereto agrees in writing to hold it confidential in a manner consistent with this chapter. Access may also be granted to the National Association of Insurance Commissioners.  2. All working papers, recorded information, documents and copies thereof produced by, obtained by or disclosed to the Commissioner or any other person in the course of an examination made under this chapter are confidential, are not subject to subpoena, and may not be made public by the Commissioner or any other person, except as necessary for a hearing or as provided in this section, subsection 4 of NRS 679B.282 and NRS 239.0115. A person to whom information is given must agree in writing before receiving the information to provide to it the same confidential treatment as required by this section, unless the prior written consent of the insurer to which it pertains has been obtained.  (Added to NRS by 1995, 1749; A 2007, 2154)
NV Rev Stat § 679B.287 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.287 - Limitations on actions and liability for communicating or delivering information or data pursuant to examination; Commissioner, representatives and examiners entitled to attorney’s fees and costs in certain tort actions.

  1. No cause of action arises, nor may any liability be imposed against any person for the act of communicating or delivering information or data to the Commissioner or any authorized representative or examiner of the Commissioner pursuant to an examination made under this chapter, if the act of communication or delivery was performed in good faith and without fraudulent intent, the intent to deceive or gross negligence.  2. The Commissioner, his or her authorized representative or any examiner appointed by the Commissioner is entitled to an award of attorney’s fees and costs if he or she is the prevailing party in a civil cause of action for libel, slander or any other relevant tort arising out of activities in carrying out the provisions of NRS 679B.230 to 679B.300, inclusive, and the party bringing the action was not substantially justified in doing so. For the purposes of this subsection, an action is "substantially justified" if it had a reasonable basis in law or fact at the time that it was brought.  (Added to NRS by 1995, 1748)
NV Rev Stat § 679B.290 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.290 - Expense of examination; billing for examination; regulations.

  1. Except as otherwise provided in subsection 2:  (a) The expense of examination of an insurer, or of any person referred to in subsection 1, 2, 5 or 6 of NRS 679B.240, must be borne by the person examined. Such expense includes only the reasonable compensation and per diem allowance of the examiners of the Commissioner, including expert assistance, and incidental expenses as necessarily incurred in the examination. As to expense involved in any such examination, the Commissioner shall give due consideration to scales and limitations recommended by the National Association of Insurance Commissioners and outlined in the examination manual sponsored by that association.  (b) The person examined shall promptly pay the expenses of the examination upon presentation by the Commissioner of a reasonably detailed written statement thereof.  2. The Commissioner may bill an insurer for the examination of any person referred to in subsection 1 of NRS 679B.240 and shall adopt regulations governing such billings.  (Added to NRS by 1971, 1570; A 1995, 1612; 2003, 3277; 2019, 1686)
NV Rev Stat § 679B.300 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.300 - Deposit of money; payment of certain expenses.

  1. All money received by the Commissioner pursuant to NRS 679B.290 must be deposited in the Fund for Insurance Administration and Enforcement created by NRS 680C.100.  2. Money for travel, per diem, compensation and other necessary and authorized expenses incurred by an examiner or other representative of the Division in the examination of any person required to pay, and making payment of, the expense of examination pursuant to NRS 679B.290 must be paid out of the Fund for Insurance Administration and Enforcement as other claims against the State are paid.  (Added to NRS by 1971, 1570; A 1979, 121; 1991, 1618; 1993, 1901; 1995, 1415; 2010, 26th Special Session, 25; 2011, 979; 2015, 2832)
NV Rev Stat § 679B.305 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.305 - Creation; use; assessment of fee to maintain balance; regulations; limit of liability.

  1. There is hereby created the Insurance Recovery Account in the Fund for Insurance Administration and Enforcement created by NRS 680C.100.  2. A balance of not less than $40,000 must be maintained in the Account to be used for satisfying claims against persons licensed pursuant to chapters 683A, 684A, 685A and 692A of NRS. Except as otherwise provided in this subsection, if the balance in the Account is less than $40,000 at the end of a fiscal year, the Commissioner may, during the next fiscal year, assess a fee of not more than $10 on each person licensed pursuant to chapter 683A, 684A, 685A or 692A of NRS. The Commissioner shall deposit such fees into the Insurance Recovery Account. The Commissioner shall not assess a fee pursuant to this subsection in consecutive fiscal years.  3. The Commissioner shall adopt reasonable regulations for:  (a) The administration of the Account, including the manner, time, procedure and grounds for recovery against the Account; and  (b) The assessment of a fee pursuant to subsection 2.  4. The limit of liability of the insurance recovery account is $5,000 per fiscal year for any one licensee.  (Added to NRS by 1977, 1326; A 1981, 1796; 1987, 149; 1991, 1818; 2010, 26th Special Session, 25; 2011, 979; 2015, 2832)
NV Rev Stat § 679B.310 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.310 - Administrative procedures; hearings in general.

  1. The Commissioner may hold a hearing, without request by others, to determine whether an insurer or an employee of an insurer has engaged in unsuitable conduct and for any other purpose within the scope of this Code.  2. The Commissioner shall hold a hearing:  (a) If required by any other provision of this Code; or  (b) Upon written application for a hearing by a person aggrieved by any act, threatened act, or failure of the Commissioner to act, or by any report, rule, regulation or order of the Commissioner, other than an order for the holding of a hearing, or an order issued on a hearing of which the person had notice. The application must be filed in the Division within 60 days after the person knew or reasonably should have known of the act, threatened act, failure, report, rule, regulation or order, unless a different period is provided for by any other law applicable to the particular matter, in which case the other law governs.  3. Any such application for a hearing must briefly state the respects in which the applicant is so aggrieved, together with the grounds to be relied upon as a basis for the relief to be sought at the hearing.  4. If the Commissioner finds that the application is made in good faith, that the applicant would be so aggrieved if his or her grounds are established and that the grounds otherwise justify the hearing, the Commissioner shall hold the hearing within 30 days after the filing of the application, unless postponed by mutual consent. Failure to hold the hearing upon application therefor of a person entitled thereto as provided in this section constitutes a denial of the relief sought, and is the equivalent of a final order of the Commissioner on hearing for the purpose of an appeal pursuant to NRS 679B.370.  5. Pending the hearing and decision thereon, the Commissioner may suspend or postpone the effective date of the previous action of the Commissioner.  (Added to NRS by 1971, 1570; A 1991, 807, 1619, 1636; 1993, 1902)
NV Rev Stat § 679B.320 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.320 - Notice of hearing.

  1. Except where a different period is expressly provided, the Commissioner shall give written notice of the hearing not less than 20 days in advance. The notice shall state the date, time and place of the hearing and specify the matters to be considered thereat. If the persons to be given notice are not specified in the provision pursuant to which the hearing is held, the Commissioner shall give such notice to all persons whose pecuniary interest, to the Commissioner’s knowledge or belief, are to be directly and immediately affected by the hearing.  2. If any person is entitled to a hearing by any provision of this Code before any proposed action is taken, the notice of the hearing may be in the form of a notice to show cause, stating that the proposed action may be taken unless such person shows cause at a hearing to be held as specified in the notice why the proposed action should not be taken, and stating the basis of the proposed action.  3. If any such hearing is to be held for consideration of rules and regulations of the Commissioner, or of other matters which, under subsection 1, would otherwise require separate notices to more than 30 persons, in lieu of other notice the Commissioner may give notice of the hearing by publication thereof in a newspaper of general circulation in this state, at least once each week during the fourth and second weeks next preceding the week in which the hearing is to be held; but the Commissioner shall mail such notice to all persons who had requested the same in writing in advance and had paid to the Commissioner the reasonable amount fixed by the Commissioner to cover the cost thereof.  4. All such notices, other than published notices, shall be given as provided in NRS 679B.140.  (Added to NRS by 1971, 1571)
NV Rev Stat § 679B.330 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.330 - Location; presiding officer; evidence; parties; record of proceedings and evidence.

  1. The Commissioner may hold a hearing in Carson City, Nevada, or any other place of convenience to parties and witnesses, as the Commissioner determines. The Commissioner, a deputy or assistant of the Commissioner, or a person appointed by the Commissioner, shall preside at the hearing, and shall expedite the hearing and all procedures involved therein.  2. The Commissioner may appoint a person who is not associated with the Division to conduct a hearing if the hearing requires a disinterested or impartial hearing officer. A person so appointed shall comply with the provisions which govern hearings conducted by the Commissioner. An order issued by such a person has the same effect as an order issued by the Commissioner.  3. Testimony may be taken orally or by deposition, and any party has the same right to introduce evidence by interrogatories or deposition as the party would have in a district court.  4. Upon good cause shown the Commissioner shall permit to become a party to the hearing by intervention, if timely, only such persons, not original parties thereto, whose pecuniary interests are to be directly and immediately affected by the Commissioner’s order made upon the hearing.  5. The Commissioner shall cause a record of the proceedings to be made. If transcribed, a copy of the record must be part of the Commissioner’s record of the hearing and a copy must be furnished to any other party to the hearing, at the request and expense of the other party. If no such record is transcribed, the Commissioner shall prepare a summary record of the proceedings and evidence.  (Added to NRS by 1971, 1572; A 1977, 97; 1985, 1063; 1991, 1619; 1993, 1902)