reglab/housing_qa huggingface dataset:
OR Rev Stat § 746.137 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.137 - Reimbursement of private emergency responder’s actual expenses in emergency response.

(1) As used in this section: (a) "Emergency" has the meaning given that term in ORS 401.025. (b) "Private emergency responder" means a private hazardous materials response team, and individuals working under the direction of the private hazardous materials response team, that provides subject matter expertise or technical experience that may be called upon to participate in the response to an emergency. (2) When the insurer of a liable party is obligated to reimburse a private emergency responder for services provided in response to an emergency, the insurer shall reimburse the private emergency responder for the actual costs incurred for emergency response, including, but not limited to, costs associated with mobile laboratories, tools and equipment for handling hazardous materials and other specialized equipment. [2015 c.720 §2] Note: 746.137 was added to and made a part of ORS chapter 746 by legislative action but was not added to any smaller series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 746.140 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.140 - Sale of life insurance with securities; written proposal; application of securities law.

(1) Every insurer or insurance producer soliciting an offer to buy or selling life insurance in correlation with the sale of securities shall furnish the prospect with a clear and unambiguous written proposal prior to the signing of the application by the applicant. (2) The written proposal shall be dated and signed by the insurance producer, or by the insurer if no insurance producer is involved, and left with the prospect. The written proposal shall be on a form which has been filed with the Director of the Department of Consumer and Business Services. If a sale is made of both life insurance and securities, a duplicate copy of the written proposal left with the buyer shall be retained by the insurer for a period of not less than three years. (3) Each such proposal shall: (a) State the name of the insurer in which the life insurance is to be written; (b) State that the prospect has the right to purchase the life insurance only, the securities only or both the life insurance and the securities; (c) Contain no misrepresentations or false, deceptive or misleading words, figures or statements; (d) State all material facts without which the proposal would have the capacity or tendency to mislead or deceive; and (e) Set forth all matters pertaining to life insurance, including premium charges, separately from matters not pertaining to life insurance. (4) This section shall not be construed to affect the application of any other provision of law concerning or regulating securities. [Formerly 739.562; 2003 c.364 §139]
OR Rev Stat § 746.145 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.145 - Workers’ compensation insurance; combination of group of employers; purpose; conditions.

(1) Notwithstanding ORS 737.600, but subject to all other rate filing requirements of ORS chapter 737, an insurer may combine for dividend purposes the experience of a group of employers covered for workers’ compensation insurance by the insurer, subject to applicable rules adopted by the Director of the Department of Consumer and Business Services, if: (a) All the employers in the group are members of an organization. (b) The employers in the group constitute at least 50 percent of the employers in the organization, unless the number of covered workers in the group exceeds 500, in which case the employers in the group must constitute at least 25 percent of the employers in the organization. (c) The grouping of employers is likely to substantially improve accident prevention, claims handling for the employers and reduce expenses. (2) This section does not apply to an organization of employers for which organization a workers’ compensation policy was lawfully issued before October 4, 1977. The policy required by ORS 656.419 shall contain for each employer covered thereby the information required by ORS 656.419 (2). When an employer becomes an insured member of the organization the insurer shall, within 30 days after the date insured membership commenced, file a notice thereof with the director. [1977 c.405 §3; 1983 c.706 §3; 1990 c.1 §5; 2003 c.170 §11; 2007 c.241 §29]
OR Rev Stat § 746.147 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.147 - Workers’ compensation insurance; quoting premiums.

An insurer or insurance producer offering workers’ compensation insurance in Oregon shall not quote projected net insurance premiums based upon figures that are discretionary or terms that are not guaranteed in the workers’ compensation insurance policy. [1999 c.868 §3; 2003 c.364 §140] Note: 746.147 was added to and made a part of ORS chapter 746 by legislative action but was not added to any smaller series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 746.150 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.150 - Other insurance; combination of experience of group of persons or risks; purpose; rules; conditions.

(1) For property, inland marine, casualty or surety insurance, an insurer may combine for dividend purposes the experience of a group of persons or risks any of which are within this state, except for workers’ compensation insurance done in compliance with ORS 746.145 and subject to rules adopted by the Director of the Department of Consumer and Business Services. (2) The director shall make reasonable rules regarding such dividend groupings as an aid to the effectuation and enforcement of the Insurance Code. Such rules shall have as their purpose the prevention of misrepresentation, unfair discrimination and other unfair trade practices, and may among other things require that: (a) Such a grouping comprises substantially homogeneous risks. (b) The organization under the auspices of which such a grouping is made has been in existence for at least two years and was formed for purposes other than that of obtaining insurance. (c) A substantial improvement in loss prevention or claims handling will be a likely result of such a grouping. (d) Information regarding eligibility for participation in the grouping and the system for allocation of dividends among the participants be filed with the director. (3) An insurer shall not unfairly discriminate in the allocation of dividends among the participants in such a dividend grouping. (4) The system for allocation of dividends among the participants may provide for allocation at a fixed percentage of premiums, or may provide for variations in the percentage of premiums paid as dividends, or may provide for other variations in determining the amounts of dividends allocated to participants. The variations may be based on loss or expense factors or on other reasonable considerations, such as risk size, risk location or industry or trade hazard classification, that have a probable effect on losses or expenses. (5) Failure to apply in a consistent manner the dividend allocation system specified in an insurer’s dividend declaration shall be prima facie evidence of unfair discrimination. [1977 c.405 §4; 1983 c.706 §4; 1999 c.59 §230]
OR Rev Stat § 746.155 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.155 - Applicability of ORS 746.145 and 746.150.

ORS 746.145 and 746.150 do not apply to groupings or combinations of persons or risks by way of common ownership or common use and control as permitted under ORS 737.600. [1977 c.405 §2]
OR Rev Stat § 746.160 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.160 - Practices injurious to free competition.

Except as otherwise expressly provided by law, no person, either within or outside of this state, directly or indirectly, shall enter into any contract, understanding or combination with any insurer or manager, agent or representative thereof for the purpose of, nor shall any such persons or insurers, jointly or severally do any act or engage in any practice for the purpose of: (1) Controlling the rates to be charged, or the commissions or other compensations to be paid, for insuring any risk or class of risks in this state; (2) Discriminating against or differentiating from any insurer, manager or agent, by reason of the plan or method of transacting business or the affiliation or nonaffiliation with any board or association of insurers, managers, agents or representatives; or (3) Doing anything which is detrimental to free competition in the business or injurious to the insuring public. [Formerly 736.615]
OR Rev Stat § 746.195 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.195 - Insurance on property securing loan or credit; certain practices by depository institutions prohibited.

(1) A depository institution may not: (a) Solicit the sale of insurance for the protection of real or personal property after a person indicates interest in securing a loan or credit extension, until the depository institution has agreed to make the loan or credit extension; (b) Refuse to accept a written binder issued by an insurance producer as proof that temporary insurance exists covering the real or personal property that is the subject matter of, or security for, a loan or extension of credit, and that a policy of insurance will be issued covering that property. A written binder issued by an insurance producer or insurer covering real or personal property that is the subject matter of, or security for, a loan or extension of credit shall be effective until a policy of insurance is issued in lieu thereof, including within its terms the identical insurance bound under the binder and the premium therefor, or until notice of the cancellation of the binder is received by the borrower and the depository institution extending credit or offering the loan. When a depository institution closes on a binder under ORS 742.043, the insurance producer or insurer issuing the binder shall be bound to provide a policy of insurance, equivalent in coverage to the coverage set forth in the binder, within 60 days from the date of the binder. The provisions of this paragraph do not apply when prohibited by federal or state statute or regulations; or (c) Use or disclose to any other insurance producer, other than the original insurance producer, the information relating to a policy of insurance furnished by a borrower unless the original insurance producer fails to deliver a policy of insurance within 60 days prior to expiration to the depository institution without first procuring the written consent of the borrower. (2) As used in this section, "depository institution" means a financial institution as that term is defined in ORS 706.008. [1977 c.742 §4; 1987 c.916 §10; 2003 c.363 §12; 2003 c.364 §144a]
OR Rev Stat § 746.213 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.213 - Definitions for ORS 746.213 to 746.219.

As used in ORS 746.213 to 746.219: (1) "Affiliate" means any company that controls, is controlled by or is under common control with another company. (2) "Customer" means an individual who purchases, applies to purchase or is solicited to purchase insurance products primarily for personal, family or household purposes. (3) "Depository institution" means a financial institution as that term is defined in ORS 706.008. [2003 c.363 §2] Note: 746.213 to 746.219 were added to and made a part of the Insurance Code by legislative action but were not added to ORS chapter 746 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 746.217 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.217 - Disclosures to customers.

(1) A depository institution that sells insurance, and any person that sells insurance on behalf of a depository institution, or on the premises of a depository institution where the depository institution is engaged in the business of taking deposits or making loans, shall disclose to the customer in writing, when practicable and in a clear and conspicuous manner, prior to a sale, that the insurance: (a) Is not a deposit; (b) Is not insured by the Federal Deposit Insurance Corporation or any other federal government agency; (c) Is not guaranteed by the depository institution or an affiliate of the depository institution if applicable, or any person that is selling insurance if applicable; and (d) When appropriate, involves investment risk, including the possible loss of value. (2) The requirements of subsection (1) of this section apply: (a) To an affiliate of a depository institution only to the extent that it sells insurance on the premises of a depository institution where the depository institution is engaged in the business of taking deposits or making loans or on behalf of a depository institution. (b) When an individual purchases insurance primarily for personal, family or household purposes and only to the extent that the disclosure would be accurate. (3) For the purpose of subsection (1) of this section, a person is selling insurance on behalf of a depository institution, whether on the premises of the depository institution or at another location, if either one of the following applies: (a) The person represents to the customer that the sale of the insurance is by or on behalf of the depository institution; or (b) The depository institution refers a customer to the person that sells insurance and the depository institution has a contractual arrangement to receive commissions or fees derived from the sale of insurance resulting from the referral. [2003 c.363 §4] Note: See note under 746.213.
OR Rev Stat § 746.219 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.219 - Investigatory powers.

(1) The Director of the Department of Consumer and Business Services may examine and investigate the insurance activities of any person that the director believes may be in violation of ORS 746.213, 746.215 or 746.217. Upon request and reasonable notice, a person shall make its insurance books and records available to the director and the director’s staff for inspection. An affected person may submit to the director a complaint or material pertinent to the enforcement of ORS 746.213, 746.215 and 746.217. (2) Nothing in ORS 746.213, 746.215 or 746.217 prevents a depository institution or an affiliate of a depository institution that lends money or extends credit or other lender or seller from placing insurance on real or personal property in the event the customer, borrower, mortgagor or purchaser fails to provide insurance required under the terms of the loan or credit document. (3) ORS 746.213, 746.215 and 746.217 do not apply to credit-related insurance. [2003 c.363 §5] Note: See note under 746.213.
OR Rev Stat § 746.220 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.220 - Debtor’s option in furnishing credit life or credit health insurance.

When credit life insurance or credit health insurance, as defined in ORS 743.371, is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor or of procuring and furnishing the required coverage through any authorized insurer. [Formerly 739.615]
OR Rev Stat § 746.230 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.230 - Unfair claim settlement practices.

(1) An insurer or other person may not commit or perform any of the following unfair claim settlement practices: (a) Misrepresenting facts or policy provisions in settling claims; (b) Failing to acknowledge and act promptly upon communications relating to claims; (c) Failing to adopt and implement reasonable standards for the prompt investigation of claims; (d) Refusing to pay claims without conducting a reasonable investigation based on all available information; (e) Failing to affirm or deny coverage of claims within a reasonable time after completed proof of loss statements have been submitted; (f) Not attempting, in good faith, to promptly and equitably settle claims in which liability has become reasonably clear; (g) Compelling claimants to initiate litigation to recover amounts due by offering substantially less than amounts ultimately recovered in actions brought by such claimants; (h) Attempting to settle claims for less than the amount to which a reasonable person would believe a reasonable person was entitled after referring to written or printed advertising material accompanying or made part of an application; (i) Attempting to settle claims on the basis of an application altered without notice to or consent of the applicant; (j) Failing, after payment of a claim, to inform insureds or beneficiaries, upon request by them, of the coverage under which payment has been made; (k) Delaying investigation or payment of claims by requiring a claimant or the claimant’s physician, naturopathic physician, physician assistant or nurse practitioner to submit a preliminary claim report and then requiring subsequent submission of loss forms when both require essentially the same information; (L) Failing to promptly settle claims under one coverage of a policy where liability has become reasonably clear in order to influence settlements under other coverages of the policy; (m) Failing to promptly provide the proper explanation of the basis relied on in the insurance policy in relation to the facts or applicable law for the denial of a claim; or (n) Any of the practices described in ORS 746.233. (2) No insurer shall refuse, without just cause, to pay or settle claims arising under coverages provided by its policies with such frequency as to indicate a general business practice in this state, which general business practice is evidenced by: (a) A substantial increase in the number of complaints against the insurer received by the Department of Consumer and Business Services; (b) A substantial increase in the number of lawsuits filed against the insurer or its insureds by claimants; or (c) Other relevant evidence. [1967 c.359 §588a; 1973 c.281 §1; 1989 c.594 §1; 2014 c.45 §79; 2015 c.59 §6; 2017 c.356 §101; 2019 c.284 §10]
OR Rev Stat § 746.233 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.233 - Unfair claim settlement practices with respect to prior authorizations of health care items or services.

(1) As used in this section, "prior authorization" has the meaning given that term in ORS 743B.001. (2) An insurer offering a policy or certificate of health insurance may not, in making a determination on a health care provider or enrollee’s request for prior authorization of a health care item or service, perform any of the following unfair claim settlement practices: (a) Misrepresent facts of policy provisions; (b) Fail to acknowledge and act upon communications relating to the request; (c) Fail to adopt and implement reasonable standards for the prompt investigations of prior authorization requests; (d) Make a determination without conducting a reasonable investigation based on all available information; (e) Fail to act promptly, equitably and in good faith to approve the request for prior authorization that is medically necessary and covered under the terms of the policy; (f) Require a provider or enrollee to submit substantially identical information more than one time in the course of making the determination; or (g) If the request for prior authorization is denied, fail to promptly provide a complete and thorough explanation of the terms of the policy or certificate that the insurer relied upon and the factual or legal basis for the denial. (3) An insurer may not engage in a pattern or practice of refusing, without just cause, to approve requests for prior authorization of items or services covered under its policies and certificates as demonstrated by: (a) A substantial increase in the number of consumer complaints against the insurer received by the Department of Consumer and Business Services regarding denials of prior authorization; (b) A substantial number of lawsuits filed by: (A) A provider against the insurer or an insured based on the failure to approve a request for prior authorization for an item or service furnished by the provider; or (B) A provider or enrollee against the insurer based on the failure to approve a prior authorization request for an item or service; or (c) Other evidence that the department deems relevant. (4) The department may adopt rules necessary to carry out the provisions of this section. [2019 c.284 §2] Note: 746.233 was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 746 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 746.240 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.240 - Undefined trade practices injurious to public prohibited.

No person shall engage in this state in any trade practice that, although not expressly defined and prohibited in the Insurance Code, is found by the Director of the Department of Consumer and Business Services to be an unfair or deceptive act or practice in the transaction of insurance that is injurious to the insurance-buying public. [1967 c.359 §589; 1973 c.281 §2]
OR Rev Stat § 746.260 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.260 - Driving record not to be considered in issuance of motor vehicle insurance.

(1) As used in this section, "employment driving record" and "nonemployment driving record" mean the employment driving record and nonemployment driving record described in ORS 802.200. (2) Except as provided in subsection (4) of this section, an insurer may not consider an individual’s employment driving record or nonemployment driving record in determining rates for, or whether to issue or renew, a policy of personal insurance, as defined in ORS 746.600, that provides, for the individual, automobile liability coverage, uninsured motorist coverage, automobile medical payments coverage or automobile physical damage coverage on an individually owned passenger vehicle, including pickup and panel trucks and station wagons. An insurer may not cancel the policy or discriminate in regard to other terms or conditions of the policy based upon the individual’s employment driving record or nonemployment driving record. (3) This section does not affect the enforcement of the motor vehicle laws. (4) An insurer may use the abstract of the individual’s nonemployment driving record as authorized under ORS 746.265. [1973 c.113 §2; 1979 c.662 §2; 1983 c.338 §969; 1987 c.5 §6; 2015 c.76 §1]