reglab/housing_qa huggingface dataset:
WY Stat § 26-23-329 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-329 - Form Standards.

26-23-329. Form standards.| (a) The commissioner shall approve any form filed under W.S. 26-23-328 only if the form:  (i) Is written in simple language logically and clearly arranged and is understandable to a person of normal intelligence without special insurance or legal knowledge or training;  (ii) Does not contain or incorporate by reference any inconsistent, ambiguous or misleading clauses, exceptions or conditions deceptively affecting the risk purported to be assumed in the affirmative coverage of the contract;  (iii) Does not contain any misleading title, heading or other indication of its coverage;  (iv) Is not printed or otherwise reproduced in such a manner as to render any provision of the form substantially illegible; and  (v) Is otherwise in compliance with this code.
WY Stat § 26-23-330 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-330 - Endorsements.

26-23-330. Endorsements.| Any approved policy form or endorsement providing any coverage for which no identifiable premium is assessed shall be incorporated in every policy of title insurance of the type to which the form or endorsement pertains issued by the insurer offering the approved form or endorsements. The insurer shall disclose any such additional coverage to the insured. This section does not operate to eliminate any underwriting standard or conditions relating to the approved policy forms or endorsements.
WY Stat § 26-23-331 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-331 - Notice of Issuance of Mortgagee Policy.

26-23-331. Notice of issuance of mortgagee policy.| (a) A title insurer or title agent that issues a mortgagee's policy of title insurance on a loan made simultaneous to the purchase of all or part of the residential property securing the loan, if no owner's policy has been ordered, shall inform the borrower in writing that the mortgagee's policy is to be issued, that the mortgagee's policy does not protect the borrower and that the borrower may obtain an owner's title insurance policy for his protection. This notice shall be provided before disbursement of the loan proceeds and before issuance of the mortgagee's policy. The notice shall be on a form the commissioner prescribes.  (b) If the borrower elects not to purchase an owner's title insurance policy, the title insurer or title agent shall obtain from him a statement in writing that the notice has been received and that the borrower waives the right to purchase an owner's title insurance policy. If the buyer refuses to provide the statement and waiver, the title insurer or title agent shall so note in the file. The statement and waiver shall be on a form the commissioner prescribes, and shall be retained by the title insurer or title agent for at least five (5) years after receipt.
WY Stat § 26-23-332 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-332 - Filing by Rating Bureaus Permitted.

26-23-332. Filing by rating bureaus permitted.| (a) A title insurer may satisfy its obligation to make premium rate and form filings as required by this article by becoming a member of, or a subscriber to, a rating organization organized and licensed under this code, which organization makes such filings, and by authorizing the commissioner in writing to accept those filings on its behalf.  (b) Nothing in this article shall be construed as:  (i) Requiring any title insurer to become a member of, or a subscriber to, any rating organization; or  (ii) Prohibiting the filing of deviations from rating organization filings by any member or subscriber.
WY Stat § 26-23-333 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-333 - Regulations.

26-23-333. Regulations.| (a) In addition to any other powers granted under this article, the commissioner may adopt rules or regulations to protect the interests of the public including but not limited to regulations governing:  (i) Sales practices;  (ii) Policy coverage standards;  (iii) Rebates and inducements;  (iv) Controlled business;  (v) Unfair trade practices and fraud;  (vi) Statistical plans for data collection;  (vii) Consumer education;  (viii) Any other consumer matters;  (ix) The business of title insurance; or  (x) Any regulations otherwise implementing or interpreting this article.
WY Stat § 26-23-334 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-334 - Enforcement.

26-23-334. Enforcement.| (a) Except as otherwise specifically provided in this article, any person who violates this article in addition to or instead of suspension or revocation of the violator's license, is subject to a civil penalty of five hundred dollars ($500.00) per violation. For purposes of this article each individual transaction which is not in conformance with this article is considered a violation.  (b) This article is enforceable only by the commissioner and shall not create any private cause of action or other private legal recourse.  (c) The commissioner may invoke the aid of the courts in enforcing this article.
WY Stat § 26-23-335 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-335 - Filing of Schedule of Risk Rates; Attaching Schedule of Rates and Charges to Policy.

26-23-335. Filing of schedule of risk rates; attaching schedule of rates and charges to policy.| Each title insurer shall file with the commissioner a complete schedule of rates for or in connection with title insurance as to property located in this state. The schedule shall set forth the entire premium to be charged to the public for each type of policy included within the schedule and shall include without separate statement the portion of the charge for risk assumption and the portion which is based on work performed in the search and examination of the title. There shall be no separate filing by an agent of the title insurer.
WY Stat § 26-23-336 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-336 - Mortgagee Policies.

26-23-336. Mortgagee policies.| If a title insurance policy is issued insuring the title to real estate only as to a mortgagee, the insurer shall conspicuously show on the face of the policy and on any evidence thereof delivered to the mortgagor that coverage is limited to the interest of the mortgagee only.
WY Stat § 26-23-401 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 4 - Group or Master Policy Property and Casualty Insurance Act|Section 26-23-401 - Qualifications for Group or Master Personal and Commercial Lines Property and Casualty Insurance Policies.

26-23-401. Qualifications for group or master personal and commercial lines property and casualty insurance policies.| (a) Personal and commercial lines property and casualty insurance may be offered to a resident of this state under a group or master policy issued or delivered pursuant to this section.  (b) Group or master property and casualty personal lines policies shall be subject to the following requirements:  (i) The group or master personal lines property and casualty policy shall not be issued or delivered in this state unless the commissioner finds that:  (A) The issuance of the group or master policy is not contrary to the best interest of the public;  (B) The issuance of the group or master policy would result in economies of acquisition or administration; and  (C) The benefits are reasonable in relation to the premiums charged.  (ii) A group or master personal lines property and casualty insurance coverage shall not be offered in this state by an insurer under a policy issued or delivered in another state unless this state has made a determination that the requirements of subparagraph (b)(i)(C) have been met;  (iii) The premium for the group or master personal lines property and casualty policy shall be paid either from the policyholder's funds or from funds contributed by the covered persons, or from both.
WY Stat § 26-23-402 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 4 - Group or Master Policy Property and Casualty Insurance Act|Section 26-23-402 - Group or Master Policy.

26-23-402. Group or master policy.| (a) A group or master policy for personal or commercial lines property and casualty insurance coverage shall be issued to the policyholder. Eligible members or covered persons insured under a group or master policy shall be provided evidence of coverage setting forth a statement as to the insurance protection to which they are entitled.  (b) A group or master policy for personal or commercial lines property and casualty insurance coverage shall not be issued or delivered in this state unless the policy form, together with all forms for riders, certificates and endorsements to the policy form, meet the applicable filing requirements in this state. Subsequent amendments to the policy form or forms for riders, certificates and endorsements to the policy form shall not be issued or delivered until they meet the applicable filing requirements in this state.  (c) The group or master personal or commercial lines property and casualty policy shall set forth the coverages, exclusions and conditions of the insurance provided therein, together with the terms and conditions of the agreement between the policyholder and the insurer. The policy shall make express provisions for the following:  (i) Methods of premium collection;  (ii) Enrollment period, effective date provisions and eligibility standards for members or covered persons;  (iii) Termination or modification of the policy; and  (iv) Conversion privileges of the members or covered persons, if any.  (d) If the group or master personal or commercial lines property or casualty master policy provides for remittance of premium by the policyholder, failure of the policyholder to remit premiums when due shall not be regarded as nonpayment of premium by the member or covered person who has made his contribution on a timely basis.
WY Stat § 26-23-404 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 4 - Group or Master Policy Property and Casualty Insurance Act|Section 26-23-404 - Duties and Limitations of Insurers.

26-23-404. Duties and limitations of insurers.| (a) No insurer shall issue or deliver a group or master personal lines property and casualty insurance policy if it is a condition of membership in a group that any member purchase insurance pursuant to the policy, or if any member shall be subject to any penalty by reason of his nonparticipation.  (b) No insurer shall issue or deliver a group personal lines property and casualty insurance policy if:  (i) The purchase of insurance available under the policy is contingent upon the purchase of any other insurance; or  (ii) The purchase or price of any other insurance, product or service is contingent upon the purchase of insurance available under the group personal lines property and casualty insurance policy.
WY Stat § 26-23-405 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 4 - Group or Master Policy Property and Casualty Insurance Act|Section 26-23-405 - Regulatory Jurisdiction.

26-23-405. Regulatory jurisdiction.| (a) No master policy or certificate of insurance for group property and casualty insurance coverage shall be issued or delivered in this state unless issued or delivered by an insurer which is duly licensed in this state to write the lines of insurance covered by the master policy.  (b) This article shall not apply to the mass marketing or any other type of marketing of individual property and casualty insurance policies.  (c) This article shall not apply to policies of credit property or credit casualty insurance which insure the debtors of a creditor or creditors with respect to their indebtedness or to policies of lender placed insurance programs.  (d) Nothing in this article shall limit the authority of the insurance commissioner with respect to complaints or disputes involving residents of this state arising out of a master policy that has been issued or delivered in another state.  (e) The insurance commissioner is authorized to promulgate rules and regulations as may be necessary to carry out the provisions of this article.
WY Stat § 26-23-406 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 4 - Group or Master Policy Property and Casualty Insurance Act|Section 26-23-406 - Effective Date.

26-23-406. Effective date.| This article shall take effect July 1, 2013. No master policy or certificate of insurance for group property and casualty insurance coverage shall be issued or delivered in this state after the effective date unless issued or delivered in compliance with this article. A master policy or certificate that is lawfully in effect on July 1, 2013 shall comply with the provisions of this article within twenty-four (24) months of the effective date.
WY Stat § 26-29-201 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-201 - Fraternal Benefit Societies.

26-29-201. Fraternal benefit societies.| Any incorporated society, order or supreme lodge, without capital stock, including one exempted under W.S. 26-29-238(a)(ii), whether incorporated or not, conducted solely for the benefit of its members and their beneficiaries and not for profit, operated on a lodge system with ritualistic form of work, having a representative form of government, and which provides benefits in accordance with this chapter, is hereby declared to be a fraternal benefit society.
WY Stat § 26-29-202 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-202 - Lodge System.

26-29-202. Lodge system.| (a) A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated or admitted in accordance with its laws, rules and ritual. Subordinate lodges shall be required by the laws of the society to hold regular meetings at least once in each month in furtherance of the purposes of the society.  (b) A society may, at its option, organize and operate lodges for children under the minimum age for adult membership. Membership and initiation in local lodges shall not be required of those children, and they shall not have a voice or vote in the management of the society.
WY Stat § 26-29-203 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-203 - Representative Form of Government.

26-29-203. Representative form of government.| (a) A society has a representative form of government when:  (i) It has a supreme governing body constituted in one of the following ways:  (A) The supreme governing body is an assembly composed of delegates elected directly by the members or at intermediate assemblies or conventions of members or their representatives, together with other delegates as may be prescribed in the society's laws. A society may provide for election of delegates by mail. The elected delegates shall constitute a majority in number and shall not have less than a majority of the votes and shall have not less than two-thirds (2/3) of the vote and not less than the number of votes required to amend the society's laws. The assembly shall be elected and shall meet at least once every four (4) years and shall elect a board of directors to conduct the business of the society between meetings of the assembly. Vacancies on the board of directors between elections may be filled in the manner prescribed by the society's laws;  (B) The supreme governing body is a board composed of persons elected by the members, either directly or by their representatives in intermediate assemblies, and any other persons prescribed in the society's laws. A society may provide for election of the board by mail. Each term of a board member may not exceed four (4) years. Vacancies on the board between elections may be filled in the manner prescribed by the society's laws. Those persons elected to the board shall constitute a majority in number and not less than the number of votes required to amend the society's laws. A person filling the unexpired term of an elected board member shall be considered to be an elected member. The board shall meet at least quarterly to conduct the business of the society.  (ii) The officers of the society are elected either by the supreme governing body or by the board of directors;  (iii) Only benefit members are eligible for election to the supreme governing body, the board of directors or any intermediate assembly; and  (iv) Each voting member shall have one (1) vote, and no vote may be cast by proxy.
WY Stat § 26-29-204 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-204 - Definitions.

26-29-204. Definitions.| (a) As used in this chapter:  (i) "Benefit contract" means the agreement for provision of benefits authorized by W.S. 26-29-216, as that agreement is described in W.S. 26-29-219(a);  (ii) "Benefit member" means an adult member who is designated by the laws or rules of the society to be a benefit member under a benefit contract;  (iii) "Certificate" means the document issued as written evidence of the benefit contract;  (iv) "Laws" means the society's articles of incorporation, constitution and bylaws, however designated;  (v) "Lodge" means subordinate member units of the society, known as camps, courts, councils, branches or by any other designations;  (vi) "Premiums" means premiums, rates, dues or other required contributions by whatever name known, which are payable under the certificate;  (vii) "Rules" means all rules, regulations or resolutions adopted by the supreme governing body or board of directors which are intended to have general application to the members of the society;  (viii) "Society" means fraternal benefit society, unless otherwise indicated.
WY Stat § 26-29-205 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-205 - Purposes and Powers.

26-29-205. Purposes and powers.| (a) A society shall operate for the benefit of members and their beneficiaries by:  (i) Providing benefits as specified in W.S. 26-29-216; and  (ii) Operating for one (1) or more social, intellectual, educational, charitable, benevolent, moral, fraternal, patriotic or religious purposes for the benefit of its members, which may also be extended to others.  (b) The purposes of a society may be carried out directly by the society, or indirectly through subsidiary corporations or affiliated organizations.  (c) Every society shall have the power to adopt laws and rules for the government of the society, the admission of its members and the management of its affairs. It shall have the power to change, alter, add to or amend those laws and rules and shall have other powers as are necessary and incidental to carrying into effect the objects and purposes of the society.
WY Stat § 26-29-206 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-206 - Qualifications for Membership.

26-29-206. Qualifications for membership.| (a) A society shall specify in its laws or rules:  (i) Eligibility standards for each and every class of membership, provided that if benefits are provided on the lives of children, the minimum age for adult membership shall be set at not less than age fifteen (15) and not greater than age twenty-one (21);  (ii) The process for admission to membership for each membership class; and  (iii) The rights and privileges of each membership class, provided that only benefit members shall have the right to vote on the management of the insurance affairs of the society.  (b) A society may also admit social members who shall have no voice or vote in the management of the insurance affairs of the society.  (c) Membership rights in the society are personal to the member and are not assignable.
WY Stat § 26-29-207 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 29 - Fraternal Benefit Societies|Article 2 - Societies|Section 26-29-207 - Location of Office; Meetings; Communications to Members; Grievance Procedures.

26-29-207. Location of office; meetings; communications to members; grievance procedures.| (a) The principal office of any domestic society shall be located in this state. The meetings of its supreme governing body may be held in any state, district, province or territory in which the society has at least five (5) subordinate lodges. All business transacted at those meetings shall be as valid in all respects as if the meetings were held in this state. The minutes of the proceedings of the supreme governing body and of the board of directors shall be in the English language.  (b) A society may provide in its laws for an official publication in which any notice, report or statement required by law to be given to members, including notice of election, may be published. These required reports, notices and statements shall be printed conspicuously in the publication. If the records of a society show that two (2) or more members have the same mailing address, an official publication mailed to one (1) member is deemed to be mailed to all members at the same address unless a member requests a separate copy.  (c) Not later than June 1 of each year, a synopsis of the society's annual statement providing an explanation of the facts concerning the condition of the society thereby disclosed shall be printed and mailed to each benefit member of the society or, in lieu thereof, the synopsis may be published in the society's official publication.  (d) A society may provide in its laws or rules for grievance or complaint procedures for members.