reglab/housing_qa huggingface dataset:
NV Rev Stat § 689C.530 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.530 - Filing reports; annual renewal fee.

A voluntary purchasing group shall:  1. File any reports required by the Commissioner; and  2. Pay a renewal fee established by the Commissioner by regulation to recover the direct costs to the Division to determine annually that a voluntary purchasing group is in compliance with NRS 689C.490 to 689C.600, inclusive.  (Added to NRS by 1995, 2680)
NV Rev Stat § 689C.540 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.540 - Duties.

A voluntary purchasing group shall:  1. Establish administrative and accounting procedures for the operation of the group and the provision of services to members, prepare an annual budget and annual operational fiscal reports;  2. Provide for internal and independent audits; and  3. Maintain all records, reports and other information of the group and may contract with qualified third-party administrators, licensed insurance agents or brokers as needed.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.550 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.550 - Collection of premiums; trust account for deposit of premiums.

A voluntary purchasing group shall offer to collect premiums for contracts offered through the purchasing group and maintain a trust account for the deposit of premiums collected to be paid to carriers for coverage offered through the purchasing group. A voluntary purchasing group is a fiduciary with respect to any premiums so collected.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.560 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.560 - Regulations governing security to be maintained by voluntary purchasing group.

A voluntary purchasing group shall post a bond for the benefit of members of the group and their eligible employees and dependents, or deposit a certificate of deposit or securities, in such a manner and amount as the Commissioner establishes by regulation.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.570 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.570 - Organizer prohibited from acquiring financial interest in group’s business.

No person who organizes a voluntary purchasing group may acquire or attempt to acquire a financial interest in the group’s business for a period of 3 years after organization of the group.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.580 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.580 - Prohibited acts.

A voluntary purchasing group shall not perform any activity included in the definition of transacting insurance in this state as defined in NRS 679A.130, perform any activity for which it is subject to regulation pursuant to NRS 685B.120 or establish or otherwise engage in the activities of a health maintenance organization as provided in chapter 695C of NRS.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.590 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.590 - Disciplinary action for violation of provisions.

The Commissioner may deny, revoke or suspend a certificate of registration of any voluntary purchasing group found to be in violation of NRS 689C.490 to 689C.600, inclusive.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.600 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.600 - Regulations.

The Commissioner shall adopt such regulations as are needed to carry out the requirements of NRS 689C.490 to 689C.600, inclusive.  (Added to NRS by 1995, 2681)
NV Rev Stat § 689C.610 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.610 - Definitions.

As used in NRS 689C.610 to 689C.940, inclusive, unless the context otherwise requires, the words and terms defined in NRS 689C.630, 689C.660 and 689C.670 have the meanings ascribed to them in those sections.  (Added to NRS by 1997, 2929; A 1999, 2814; 2013, 3635)
NV Rev Stat § 689C.630 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.630 - "Church plan" defined.

Church plan has the meaning ascribed to it in section 3(33) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997.  (Added to NRS by 1997, 2929)
NV Rev Stat § 689C.660 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.660 - "Individual carrier" defined.

Individual carrier means any entity subject to the provisions of this title and the regulations adopted pursuant thereto, that contracts or offers to contract to provide for, deliver payment for, arrange for payment of, pay for or reimburse any cost of health care services, including a sickness and accident health service corporation, and any other entity providing a plan of health insurance, health benefits or health services to individuals and their dependents in this state.  (Added to NRS by 1997, 2929)
NV Rev Stat § 689C.670 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.670 - "Individual health benefit plan" defined.

Individual health benefit plan means:  1. A health benefit plan, other than a converted policy or a plan for coverage of a bona fide association, for individuals and their dependents; and  2. A certificate issued to an individual that evidences coverage under a policy or contract issued to a trust, an association or other similar group of persons, other than a plan for coverage of a bona fide association, regardless of the situs of delivery of the policy or contract, if the eligible person pays the premium and is not being covered under the policy or contract pursuant to any provision for the continuation of benefits applicable under federal or state law.  (Added to NRS by 1997, 2929)
NV Rev Stat § 689C.940 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.940 - Regulations concerning determination of status of stop-loss policy.

The Commissioner may, by regulation, prescribe standards for determining whether a policy issued as a stop-loss policy is a health benefit plan for the purposes of this chapter.  (Added to NRS by 1997, 2938)
NV Rev Stat § 690A.010 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.010 - Scope.

Any consumer credit insurance issued in connection with loans or other credit transactions for personal, family or household use is subject to the provisions of this chapter except:  1. Insurance written in connection with a credit transaction that is:  (a) Secured by a first mortgage or deed of trust; and  (b) Made to finance the purchase of real property or the construction of a dwelling thereon, or to refinance a prior credit transaction made for that purpose;  2. Insurance that is sold as an isolated transaction on the part of the insurer and not related to an agreement or a plan for insuring debtors of the creditor;  3. Insurance for which no identifiable charge is made to the debtor; or  4. Insurance on accounts receivable.  (Added to NRS by 1971, 1771; A 1987, 2296; 2005, 2144)
NV Rev Stat § 690A.011 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.011 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 690A.012 to 690A.0247, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1987, 2287; A 2005, 2144)
NV Rev Stat § 690A.012 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.012 - "Compensation" defined.

Compensation means any valuable consideration, direct or indirect, paid by or on behalf of the insurer, or by any subsidiary or parent, or subsidiary of the parent of the insurer, or by any other person to or on behalf of any group policyholder or producer or withheld from an insurer by any group policyholder or producer, and includes:  1. Paid or credited commissions or contingent commissions.  2. Fees for services, consulting fees or any other fee paid or credited within or outside this State in direct relation to the volume of premiums produced or written in this State.  3. The use of electronic data processing equipment or services, except for devices provided in lieu of books and charts of rates and refunds usable only for that purpose.  4. The furnishing of supplies, except forms approved by the Commissioner, the usual forms for claims and reports, envelopes for transmitting claims and brochures, and books and charts of rates and refunds.  5. Providing rental equipment of any type.  6. Advertising.  7. Providing telephone service without charge or at a charge less than the usual cost.  8. Participation in a profit-sharing plan.  9. Dividends and refunds or credits based on experience ratings.  10. An allowance for expenses.  11. Participation in stock plans or bonuses.  12. Any form of credit, including the use of money.  13. Commissions for reinsurance, ceded or assumed.  14. Reinsurance with a nonauthorized insurer owned or controlled by a creditor or producer or with a nonauthorized insurer in which a creditor or producer is a stockholder.  15. Any commission or fee, inducement or intention to induce, or any other consideration arising from the sale of insurance or other product or service, except consumer credit insurance as part of the transaction in which the indebtedness is arranged or the application for the consumer credit insurance is made.  (Added to NRS by 1987, 2287; A 2005, 2144)
NV Rev Stat § 690A.0135 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0135 - "Credit accident and health insurance" defined.

Credit accident and health insurance means insurance on a debtor to provide indemnity for payments or debt becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy.  (Added to NRS by 2005, 2137)
NV Rev Stat § 690A.015 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.015 - "Credit insurance" and "consumer credit insurance" defined.

Credit insurance or "consumer credit insurance" means any or all of the following:  1. Credit life insurance;  2. Credit accident and health insurance;  3. Credit unemployment insurance; or  4. Any other insurance defined in this chapter.  (Added to NRS by 1987, 2288; A 2005, 2145)
NV Rev Stat § 690A.016 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.016 - "Credit life insurance" defined.

Credit life insurance means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction to provide for satisfaction of a debt, in whole or in part, upon the death of an insured debtor.  (Added to NRS by 1987, 2288; A 2005, 2145)
NV Rev Stat § 690A.0163 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0163 - "Credit transaction" defined.

Credit transaction means any transaction for which the terms of repayment of money loaned or loan commitment made, or payment of goods, services or properties sold or leased, is to be made at a future date or dates.  (Added to NRS by 2005, 2137)
NV Rev Stat § 690A.0167 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0167 - "Credit unemployment insurance" defined.

Credit unemployment insurance means insurance on a debtor to provide indemnity for payments or a debt becoming due on a specific loan or other credit transaction while the debtor is involuntarily unemployed as defined in the policy.  (Added to NRS by 2005, 2137)
NV Rev Stat § 690A.017 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.017 - "Creditor" defined.

Creditor means the lender of money or vendor or lessor of goods, services, property, rights or privileges for which payment is arranged through a credit transaction, and includes:  1. The successor to the right, title or interest of;  2. An affiliate, associate or subsidiary of;  3. Any director, officer or employee of; or  4. Any other person in any way associated with,  any such lender, vendor or lessor.  (Added to NRS by 1987, 2288)
NV Rev Stat § 690A.018 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.018 - "Debtor" defined.

Debtor means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction.  (Added to NRS by 1987, 2288)
NV Rev Stat § 690A.0195 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0195 - "Gross debt" defined.

Gross debt means the sum of the remaining payments owed to a creditor by a debtor.  (Added to NRS by 2005, 2137)
NV Rev Stat § 690A.0205 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0205 - "Identifiable charge" defined.

Identifiable charge means a charge for consumer credit insurance that is made to debtors who have that insurance and not made to debtors who do not have that insurance. The term includes a charge for insurance that is disclosed in the credit agreement or other instrument furnished to the debtor which sets forth the financial elements of the credit transaction and any difference in the finance, interest, service or other similar charge made to debtors who are in similar circumstances except for the insured or noninsured status of the debtor or of the property used as security for the credit transaction.  (Added to NRS by 2005, 2137)
NV Rev Stat § 690A.0243 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0243 - "Net debt" defined.

Net debt means the amount required to liquidate the remaining debt in a single lump-sum payment, excluding all unearned interest and other unearned finance charges.  (Added to NRS by 2005, 2138)
NV Rev Stat § 690A.0247 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.0247 - "Open-end credit" defined.

Open-end credit means credit extended by a creditor under an agreement in which:  1. The creditor reasonably contemplates repeated transactions;  2. The creditor periodically imposes a finance charge on any outstanding unpaid balance; and  3. The amount of credit that may be extended to the debtor during the term of the agreement up to any limit set by the creditor is generally made available to the extent that any outstanding balance is repaid.  (Added to NRS by 2005, 2138)
NV Rev Stat § 690A.045 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.045 - Amounts of credit life insurance.

  1. Except as otherwise provided in this section, the amount of credit life insurance must not exceed the greater of the actual net debt or the scheduled net debt.  2. If coverage is written on the actual net debt, the amount payable at the time of loss must not be less than the actual net debt less any payments that are more than 2 months past due.  3. If the coverage is written on any scheduled net debt, the amount payable at the time of loss must not be less than:  (a) If the actual net debt is less than or equal to the scheduled net debt, the scheduled net debt;  (b) If the actual net debt is greater than the scheduled net debt but less than or equal to the scheduled net debt plus 2 months of payments, the actual net debt; or  (c) If the actual net debt is greater than the scheduled net debt plus 2 months of payments, the scheduled net debt plus 2 months of payments.  4. If a premium is assessed to the debtor on a monthly basis and is based on the actual net debt, the amount payable at the time of loss must not be less than the actual net debt on the date of death. If the premium is based on a balance that does not include accrued past due interest, the amount payable at the time of loss must not be less than the actual net debt less any accrued interest that is more than 2 months past due.  5. Insurance on agricultural loan commitments that do not exceed 1 year in duration may be written for not more than the amount of the loan on a nondecreasing or level term plan.  6. Insurance on educational loan commitments may be written for the net unpaid debt plus any unused commitment.  7. Coverage may be written for less than the net debt through the following methods:  (a) The amount of insurance may be the lesser of a stated level amount and the amount determined in accordance with subsection 2;  (b) The amount of insurance may be the lesser of a stated level amount and the amount determined in accordance with subsection 3;  (c) The amount of insurance may be a constant percentage of the amount determined in accordance with subsection 2;  (d) The amount of insurance may be a constant percentage of the amount determined in accordance with subsection 3; or  (e) In the absence of any exclusions for a preexisting condition, the amount of insurance payable in the event of death by natural causes may be limited to the balance as it existed 6 months before the date of death if:  (1) There have been one or more increases in the outstanding balance during the 6-month period other than increases resulting from the accrual of interest or late charges; and  (2) Evidence of individual insurability has not been required during the 6-month period.  8. Other kinds of insurance may be used if those kinds are not inconsistent with the provisions of this section.  (Added to NRS by 2005, 2138)
NV Rev Stat § 690A.050 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.050 - Amounts of credit accident and health insurance or credit unemployment insurance.

  1. Except as otherwise provided in subsection 2, the total amount of periodic indemnity payable pursuant to a policy of credit accident and health insurance or credit unemployment insurance in the event of disability or unemployment, as defined in the policy, must not exceed the aggregate of the periodic scheduled unpaid installments of the gross debt, and the amount of each periodic indemnity payment must not exceed the original gross debt divided by the number of periodic installments.  2. For credit accident and health insurance or credit unemployment insurance written in connection with an open-end credit agreement, the amount of insurance must not exceed the gross debt which would accrue on that amount using the periodic indemnity. Subject to any policy maximum, the periodic indemnity must not be less than the minimum repayment schedule of the creditor.  (Added to NRS by 1971, 1773; A 1987, 2297; 2005, 2145)
NV Rev Stat § 690A.055 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.055 - Combinations of consumer credit insurance; prohibition or limitation by regulation.

The types of consumer credit insurance defined in this chapter may be written separately or in combination with other types of consumer credit insurance on an individual policy or group policy basis. The Commissioner may by regulation prohibit or limit any combination.  (Added to NRS by 2005, 2138)
NV Rev Stat § 690A.063 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.063 - Commencement of consumer credit insurance; prohibited charging or retention of payment.

  1. Except as otherwise provided in this section, for consumer credit insurance that is made available to and elected by a debtor before or with the credit transaction to which it relates, the term of the insurance must, subject to acceptance by the insurer, commence on the date on which the debtor becomes obligated to the creditor. If the insurer requires evidence of individual insurability and the evidence is provided to the insurer more than 30 days after the date on which the debtor becomes obligated to the creditor, the insurance may commence on the date on which the insurer determines the evidence to be satisfactory.  2. Except as otherwise provided in this section, for consumer credit insurance that is made available to and elected by a debtor after the credit transaction to which it relates, the term of the insurance must, subject to acceptance by the insurer, commence on a date not earlier than the date the election is made by the debtor and not later than 30 days after the date on which the insurance company accepts the risk for coverage. If the coverage does not commence on the date on which the insurance company accepts the risk for coverage, the date that coverage commences must be related to an objective method for determining the date, including, without limitation, the billing cycle, the payment cycle or a calendar month.  3. If a group policy provides coverage with respect to debts existing on the effective date of the policy, the insurance related to a debt must not commence before the effective date of the group policy.  4. A creditor or insurer shall not charge or retain payment from a debtor before commencement of the insurance to which the charge is related.  (Added to NRS by 2005, 2139)
NV Rev Stat § 690A.067 (2021)
2021 Nevada Revised Statutes|Chapter 690A - Credit Insurance|NRS 690A.067 - Term and cancellation of consumer credit insurance.

  1. The term of any consumer credit insurance must not extend beyond the date of termination specified in the policy. The date of termination of the insurance must not occur more than 15 days after the scheduled maturity date of the debt to which it relates unless:  (a) The date is extended at no additional cost to the debtor; or  (b) The date is extended pursuant to a written agreement signed by the debtor and relates to a variable rate credit transaction or a deferral, renewal, refinancing or consolidation of debt.  2. If a debt is discharged because of any renewal, refinancing or consolidation before the scheduled date of termination of the consumer credit insurance, the insurance must be cancelled before any new consumer credit insurance is written in relation to the renewed, refinanced or consolidated debt.  3. If consumer credit insurance is terminated before the scheduled termination date, unless the insurance is terminated because of the performance by the insurer of all obligations with respect to the insurance, the insurer shall make an appropriate refund or credit to the debtor of any unearned charge that was paid by the debtor.  4. A debtor may cancel consumer credit insurance at any time by providing a request to the insurer. The insurer may require the request to be submitted in writing and may require the debtor to surrender any individual policy or group certificate. The right of the debtor to cancel the insurance may be subject to the terms of the credit transaction.  (Added to NRS by 2005, 2139)