reglab/housing_qa huggingface dataset:
NV Rev Stat § 679B.650 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.650 - Investigative authority of Commissioner.

To investigate violations of the provisions of this title, or to assist the Attorney General or other local, state or federal investigative and law enforcement agencies in investigating an act of insurance fraud, the Commissioner may:  1. Designate employees of the Division as investigators to carry out the provisions of NRS 679B.600 to 679B.700, inclusive.  2. Conduct investigations into such activities occurring outside this state, if necessary. To conduct these investigations, the Commissioner or the investigators of the Commissioner may:  (a) Travel outside this state;  (b) Cooperate with appropriate agencies or persons outside this state; or  (c) Designate those agencies to conduct investigations for the Commissioner.  3. Assist officials of investigative or law enforcement agencies of any other state or the Federal Government who are investigating fraudulent claims and who request assistance from the Commissioner.  (Added to NRS by 1983, 1384; A 1991, 1616; 1993, 1899; 2001, 1094)
NV Rev Stat § 679B.660 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.660 - Cooperation between Commissioner, Attorney General and investigative and law enforcement agencies.

  1. Every person in charge of an investigative or law enforcement agency within this state shall:  (a) Cooperate with the Commissioner and the investigators of the Commissioner, and the Attorney General and the members of the Fraud Control Unit; and  (b) Upon request, furnish the Commissioner or Attorney General, as appropriate, with any information necessary for the investigation of insurance fraud.  2. The Commissioner and the Attorney General shall:  (a) Assist any official of an investigative or a law enforcement agency of this state, any other state or the Federal Government who requests assistance in investigating any act of insurance fraud; and  (b) Furnish to those officials any information, not otherwise confidential, concerning his or her investigation or his or her report on insurance fraud.  (Added to NRS by 1983, 1385; A 2001, 1094)
NV Rev Stat § 679B.670 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.670 - Liability for disclosure of information on fraudulent claim or suspicious fire.

Any person, governmental entity, insurer, employee or representative of an insurer, official of an investigative or law enforcement agency, employee of the Division, the Commissioner, the Attorney General or a member of the Fraud Control Unit is not subject to a criminal penalty or subject to civil liability for libel, slander or any similar cause of action in tort if he or she, without malice, discloses information on a fraudulent claim or suspicious fire.  (Added to NRS by 1983, 1385; A 1991, 1616; 1993, 1899; 2001, 1095)
NV Rev Stat § 679B.680 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.680 - Effect of certain powers and duties of Attorney General and Fraud Control Unit on jurisdiction of Commissioner.

Nothing in NRS 228.412 limits or diminishes the exclusive jurisdiction of the Commissioner otherwise granted by statute to investigate or take administrative or civil action:  1. For any violation of this title by any person or entity who is or has been licensed by the Commissioner pursuant to this title;  2. Against any person or entity who is or has been engaged in the business of insurance without a license as required by this title, including, without limitation, the unauthorized transaction of insurance in violation of chapter 685B of NRS; or  3. Against any person or entity as the Commissioner deems appropriate.  (Added to NRS by 2001, 1093)
NV Rev Stat § 679B.690 (2021)
2021 Nevada Revised Statutes|Chapter 679B - Commissioner of Insurance|NRS 679B.690 - Confidentiality of records and other information related to investigation by Attorney General and Fraud Control Unit.

  1. Except as otherwise provided in NRS 239.0115, all records and other information related to an investigation conducted by the Attorney General and the Fraud Control Unit for the prosecution of insurance fraud are confidential unless:  (a) The Attorney General releases, in such manner as he or she deems appropriate, all or any part of the records or information for public inspection after determining that the release of the records or information:  (1) Will not harm the investigation or the person who is being investigated; or  (2) Serves the interests of a policyholder, the shareholders of the insurer or the public; or  (b) A court orders the release of the records or information after determining that the production of the records or information will not damage any investigation being conducted by the Fraud Control Unit.  2. The Attorney General may classify as confidential specific records and other information if the records or other information was obtained from a governmental agency or other source upon the express condition that the contents would remain confidential.  3. All information and documents in the possession of the Attorney General and the Fraud Control Unit that are related to cases or matters under investigation are confidential for the duration of the investigation and may not be made public unless the Attorney General finds the existence of an imminent threat of harm to the safety or welfare of the policyholder, shareholders or the public and determines that the interests of the policyholder, shareholders or the public will be served by publication thereof, in which event the Attorney General may make a record public or publish all or any part of the record in any manner the Attorney General deems appropriate.  (Added to NRS by 2001, 1093; A 2007, 2154)
NV Rev Stat § 680A.010 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.010 - Definitions.

As used in this Code, unless the context otherwise requires, the words and terms defined in NRS 680A.020 to 680A.050, inclusive, shall have the meanings ascribed to them in NRS 680A.020 to 680A.050, inclusive.  (Added to NRS by 1971, 1576; A 2019, 1427)
NV Rev Stat § 680A.020 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.020 - "Charter" defined.

Charter means certificate of incorporation, articles of incorporation, articles of agreement, articles of association, charter granted by legislative act, or other basic constituent document of a corporation, or the power of attorney of the attorney-in-fact of a reciprocal insurer.  (Added to NRS by 1971, 1576)
NV Rev Stat § 680A.028 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.028 - "Multiple employer welfare arrangement" defined.

Multiple employer welfare arrangement has the meaning ascribed to it in 29 U.S.C. § 1002(40).  (Added to NRS by 2019, 1425)
NV Rev Stat § 680A.030 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.030 - "Mutual" insurer defined.

A "mutual" insurer is an incorporated insurer without capital stock and the governing body of which is elected by its policyholders. This definition shall not be deemed to exclude as "mutual" insurers certain foreign insurers found by the Commissioner to be organized on the mutual plan under the laws of their states of domicile, but having temporary share capital or providing for election of the insurer’s governing body on a reasonable basis.  (Added to NRS by 1971, 1576)
NV Rev Stat § 680A.040 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.040 - "Reciprocal" insurer defined.

A "reciprocal" insurer is an unincorporated aggregation of subscribers operating individually and collectively through an attorney-in-fact common to all such persons to provide reciprocal insurance among themselves.  (Added to NRS by 1971, 1576)
NV Rev Stat § 680A.050 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.050 - "Stock" insurer defined.

A "stock" insurer is an incorporated insurer with its capital divided into shares and owned by its stockholders.  (Added to NRS by 1971, 1576)
NV Rev Stat § 680A.058 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.058 - Applicability of chapter to self-funded multiple employer welfare arrangements.

To the extent applicable and not inconsistent with federal law:  1. The provisions of this chapter that govern domestic insurers, their business, capital and surplus requirements and the requirements for eligibility for a certificate of authority govern self-funded multiple employer welfare arrangements; and  2. A self-funded multiple employer welfare arrangement must comply with the criteria set forth in this chapter to qualify for a certificate of authority.  (Added to NRS by 2019, 1426)
NV Rev Stat § 680A.060 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.060 - Certificate of authority required; penalty.

  1. A person shall not act as an insurer and an insurer shall not transact insurance in this State by mail or otherwise, except as authorized by a certificate of authority issued by the Commissioner and then in full force, and except as to such transactions as are expressly otherwise provided in this Code.  2. A domestic insurer and a foreign insurer from offices or by personnel or facilities located in this State shall not solicit insurance applications or otherwise transact insurance in another state or country unless it holds a subsisting certificate of authority granted to it by the Commissioner authorizing it to transact the same kind or kinds of insurance in this State.  3. Any officer, director, agent, representative or employee of any insurer who willfully authorizes, negotiates, makes or issues any insurance contract in violation of this section is guilty of a misdemeanor.  (Added to NRS by 1971, 1576; A 1983, 684; 1985, 348)
NV Rev Stat § 680A.080 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.080 - Eligibility for certificate of authority: General requirements.

To qualify for and hold authority to transact insurance in this State, an insurer must be otherwise in compliance with this Code and with its charter powers, and must be an incorporated stock or mutual insurer, or a reciprocal insurer, of the same general type as may be formed as a domestic insurer under this Code, except that:  1. No foreign insurer may be authorized to transact insurance in this State which does not maintain reserves as required by chapter 681B of NRS (assets and liabilities), as applicable to the kind or kinds of insurance transacted by such insurer, wherever transacted in the United States of America, or which transacts business anywhere in the United States of America on the assessment plan, or stipulated premium plan, or any similar plan.  2. No insurer may be authorized to transact a kind of insurance in this State unless duly authorized or qualified to transact such insurance in the state or country of its domicile.  3. No insurer may be authorized to transact in this State any kind of insurance which is not within the definitions as set forth in NRS 681A.010 to 681A.080, inclusive (kinds of insurance).  4. No such authority may be granted or continued to any insurer while in arrears to the State for fees, licenses, taxes, assessments, fines or penalties accrued on business previously transacted in this State.  In addition to the other requirements set forth in this section, an insurer who proposes to transact in this State insurance that protects a policyholder from liability arising out of the ownership, maintenance or use of a motor vehicle must demonstrate to the satisfaction of the Department of Motor Vehicles that the insurer is able to comply with the provisions of NRS 485.314.  (Added to NRS by 1971, 1577; A 1997, 1086; 2001, 2634)
NV Rev Stat § 680A.082 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.082 - Eligibility for certificate of authority: Additional requirements for self-funded multiple employer welfare arrangements.

The Commissioner may not issue a certificate of authority to a self-funded multiple employer welfare arrangement unless the arrangement establishes to the satisfaction of the Commissioner that the following requirements have been satisfied by the arrangement:  1. The employers participating in the arrangement are members of a bona fide association.  2. The employers participating in the arrangement exercise control over the arrangement, as follows:  (a) Subject to paragraph (b), control exists if the board of directors of the bona fide association or the employers participating in the arrangement have the right to elect at least 75 percent of the individuals designated in the arrangement’s organizational documents as having control over operations of the arrangement and individuals designated in the arrangement’s organizational documents in fact exercise control over the operation of the arrangement; and  (b) The use of a third-party administrator to process claims and to assist in the administration of the arrangement is not evidence of the lack of control over the operation of the arrangement.  3. In this State, the arrangement provides only health care services.  4. In this State, the arrangement provides or arranges benefits for health care services in compliance with the provisions of this title that mandate particular benefits or offerings and with provisions that require access to particular types or categories of health care providers and facilities.  5. The arrangement provides health care services to not less than 20 employers and not less than 75 employees.  6. The arrangement may not solicit participation in the arrangement from the general public. However, the arrangement may employ licensed insurance producers who receive a commission, unlicensed individuals who do not receive a commission, and may contract with a licensed insurance producer who may be paid a commission or other remuneration, for the purpose of enrolling and renewing the enrollments of employers in the arrangement.  7. The arrangement has been in existence and operated actively for a continuous period of not less than 10 years as of December 31, 2018, except for an arrangement that has been in existence and operated actively since December 31, 2015, and is sponsored by an association that has been in existence more than 25 years.  8. The arrangement is not organized or maintained solely as a conduit for the collection of premiums and the forwarding of premiums to an insurance company.  9. The arrangement has aggregate stop loss coverage, with an attachment point of 120 percent of expected claims.  (Added to NRS by 2019, 1426)
NV Rev Stat § 680A.090 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.090 - Eligibility for certificate of authority: Ownership; management.

  1. No foreign insurer which is directly or indirectly owned or controlled in whole or substantial part by any government or governmental agency shall be authorized to transact insurance in Nevada. Membership in a mutual insurer, or subscribership in a reciprocal insurer, or ownership of stock of an insurer by the Alien Property Custodian or similar officer of the United States of America, or ownership of stock or other security which does not have voting rights with respect to the management of the insurer, or supervision of an insurer by public authority, shall not be deemed to be an ownership or control of the insurer for the purposes of this subsection.  2. The Commissioner shall not grant or continue authority to transact insurance in this state to any insurer or proposed insurer:  (a) Of which any director, officer or other individual materially part of the management is found by the Commissioner after investigation or upon reliable information to be incompetent, or dishonest, or untrustworthy, or of unfavorable business repute;  (b) Of which the managers are so lacking in insurance company managerial experience in operations of the kind proposed in this state as to make such operation, currently or prospectively, hazardous to or contrary to the best interests of the insurance-buying or investing public of this state;  (c) Which the Commissioner has good reason to believe is affiliated directly or indirectly through ownership, control, management, reinsurance transactions or other business relations with any person or persons of unfavorable business repute; or  (d) Whose business operations are or have been marked, to the injury of insurers, stockholders, policyholders, creditors or the public, by illegality, or by manipulation of assets, or of accounts, or of reinsurance, or by bad faith.  (Added to NRS by 1971, 1578)
NV Rev Stat § 680A.095 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.095 - Certificate of authority required to transact reinsurance; eligibility for certificate; exceptions.

  1. Except as otherwise provided in subsection 3, an insurer which is not authorized to transact insurance in this State may not transact reinsurance with a domestic insurer in this State, by mail or otherwise, unless the insurer holds a certificate of authority as a reinsurer in accordance with the provisions of NRS 680A.010 to 680A.150, inclusive, 680A.160 to 680A.280, inclusive, 680A.320 and 680A.330.  2. To qualify for authority only to transact reinsurance, an insurer must meet the same requirements for capital and surplus as are imposed on an insurer which is authorized to transact insurance in this State.  3. This section does not apply to the joint reinsurance of title insurance risks or to reciprocal insurance authorized pursuant to chapter 694B of NRS.  (Added to NRS by 1987, 642; A 2017, 2333)
NV Rev Stat § 680A.100 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.100 - Name of insurer.

  1. No insurer shall be formed or authorized to transact insurance in this state which has or uses a name which is the same as or deceptively similar to that of another insurer already so authorized, without the written consent of such other insurer.  2. No life insurer shall be so authorized which has or uses a name deceptively similar to that of another insurer, other than a predecessor in interest, authorized to transact insurance in this state within the preceding 10 years if life insurance policies originally issued by such other insurer are still outstanding in this state.  3. No insurer shall be formed or authorized to transact insurance which has or uses a name the same as or deceptively similar to that of any foreign insurer not so authorized if such foreign insurer has within the next preceding 12 months signified its intention to secure an incorporation in this state under such name, or to do business as a foreign insurer in this state under such name, by filing notice of such intention with the Commissioner, unless the written consent to the use of such name or deceptively similar name has been given by such foreign insurer.  4. No insurer shall be so authorized which has or uses a name which tends to deceive or mislead as to the type of organization of the insurer.  5. In case of conflict of names between two insurers, or a conflict otherwise prohibited under this section, the Commissioner may permit (or shall require as a condition to the issuance of an original certificate of authority to an applicant insurer) the insurer to use in this state such supplementation or modification of its name or such business name as may reasonably be necessary to avoid the conflict.  6. Except as provided in subsection 5, an insurer shall conduct its business in this state in its own corporate (if incorporated) or proper (if a reciprocal insurer) name.  (Added to NRS by 1971, 1579)
NV Rev Stat § 680A.110 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.110 - Combinations of insuring powers.

An insurer which otherwise qualifies therefor may be authorized to transact any one kind or any combination of kinds of insurance as defined in NRS 681A.010 to 681A.080, inclusive (kinds of insurance), except:  1. A life insurer may grant annuities and may be authorized to transact in addition only health insurance; but the Commissioner may, if the insurer otherwise qualifies therefor, continue so to authorize any life insurer which immediately prior to January 1, 1972, was lawfully authorized to transact in this state a kind or kinds of insurance in addition to life and health insurances and annuity business.  2. A reciprocal insurer shall not transact life insurance.  (Added to NRS by 1971, 1579)
NV Rev Stat § 680A.120 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.120 - Required capital.

  1. Except as provided in subsections 2 and 5, to qualify for authority to transact any one kind of insurance as defined in NRS 681A.010 to 681A.080, inclusive, or combinations of kinds of insurance as shown below, an insurer shall possess and thereafter maintain unimpaired paid-in capital stock, if a stock insurer, or unimpaired basic surplus, if a mutual or a reciprocal insurer, and free surplus not less than 100 percent of the minimum required capital stock or minimum required basic surplus, and when first so authorized shall possess initial free surplus, all in amounts not less than as determined from the following table:   FOREIGN MUTUAL RECIPROCAL  STOCK INSURERS INSURERS INSURERS  Minimum Minimum Minimum Kind or Required Initial Required Initial Required Initial Kinds of Capital Free Basic Free Basic Free Insurance Stock Surplus Surplus Surplus Surplus Surplus  Life........................ 500,000 1,000,000 500,000 1,000,000 N/A N/A Health, Property, Casualty, Surety, Marine &  Transportation Multiple  line.................... 500,000 1,000,000 500,000 1,000,000 500,000 1,000,000 Title...................... 500,000 750,000 N/A N/A N/A N/A Financial Guarantee......... 10,000,000 40,000,000 N/A N/A N/A N/A  2. At the discretion of the Commissioner, a domestic insurer holding a valid certificate of authority to transact insurance in this state immediately prior to January 1, 1992, may, if otherwise qualified therefor, continue to be so authorized while possessing the amount of paid-in capital stock, if a stock insurer, or surplus, if a mutual insurer, required by the laws of this state for such authority immediately before January 1, 1992, for a period not to exceed 2 years. On or before January 1, 1994, the insurer shall meet the requirements of subsection 1. The Commissioner shall not grant such an insurer authority to transact any other or additional kinds of insurance unless it then fully complies with the requirements as to capital and surplus, as applied to all kinds of insurance which it then proposes to transact, as provided by this section for like foreign insurers applying for original certificates of authority pursuant to this Code.  3. Capital and surplus requirements are based upon all the kinds of insurance transacted by the insurer in any and all areas in which it operates or proposes to operate, whether or not only a portion of such kinds are to be transacted in this state.  4. As to surplus required for qualification to transact one or more kinds of insurance and thereafter to be maintained, domestic mutual insurers are governed by chapter 693A of NRS and domestic reciprocal insurers are governed by chapter 694B of NRS.  5. An insurer who transacts financial guaranty insurance in this state must transact only one kind of insurance and possess and maintain the minimum capital and surplus requirements pursuant to subsection 1.  (Added to NRS by 1971, 1579; A 1991, 2026)