reglab/housing_qa huggingface dataset:
MO Rev Stat § 379.440 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.440 - Rating organization must be licensed — who may apply — content of application.

Effective - 28 Aug 1947   379.440. Rating organization must be licensed — who may apply — content of application. — 1. No corporation, unincorporated association, partnership, or individual shall act as a rating organization in this state without first filing with the director of the department of commerce and insurance a written application for, and securing a license as, a rating organization for such kinds of insurance or subdivisions thereof as are specified in its application.  2. Any corporation, unincorporated association, partnership, or individual, whether located within or outside this state may make application for and obtain a license as a rating organization for such kinds of insurance or subdivision or class of risk or a part or combination thereof as are specified in its application, provided it shall meet the requirements for license set forth in sections 379.420 to 379.510.  3. To obtain a license as a rating organization, every such corporation, unincorporated association, partnership or individual shall file therewith  (1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing the conduct of its business;  (2) A list of its members and subscribers;  (3) The name and address of a resident of this state upon whom notices or orders of the director of the department of commerce and insurance or process affecting such rating organization may be served; and  (4) A statement of its qualifications as a rating organization. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.445 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.445 - Requirements to obtain and retain license.

Effective - 28 Aug 1947   379.445. Requirements to obtain and retain license. — To obtain and retain a license, a rating organization shall provide satisfactory evidence to the director of the department of commerce and insurance that it will  (1) Permit any licensed insurer to become a subscriber to such rating organization or withdraw therefrom without obligation to adhere to its manual of classifications, rules and rates or rating plans or systems;  (2) Neither adopt any rule nor exact any agreement the effect of which would be to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers. A plan for the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers shall not be deemed to be a rating plan or system;  (3) Neither practice nor sanction any plan or act of boycott, coercion or intimidation;  (4) Neither enter into nor sanction any contract or act by which any person is restrained from lawfully engaging in the insurance business;  (5) Submit to examination as prescribed by section 379.475;  (6) Notify the director of the department of commerce and insurance promptly of every change in its constitution, its articles of agreement or association, or its articles of incorporation and of its bylaws, rules and regulations governing the conduct of its business; its list of members and subscribers; and the name and address of the resident of this state designated by it upon whom notices or orders of the director or process affecting such organization may be served. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.450 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.450 - Director to grant or deny license.

Effective - 28 Aug 1947   379.450. Director to grant or deny license. — 1. If the director of the department of commerce and insurance finds that the applicant meets the licensing requirements of sections 379.420 to 379.510 applicable to it and is trustworthy and competent to act as a rating organization and that its constitution, articles of agreement or association or certificate of incorporation, and its bylaws, rules and regulations governing the conduct of its business conform to the requirements of sections 379.420 to 379.510, he shall issue a license specifying the kinds of insurance or subdivisions thereof for which the applicant is authorized to act as a rating organization.  2. Every such application shall be granted or denied in whole or in part by the director within sixty days of the date of its filing with him.  3. Licenses issued pursuant to this section shall remain in effect until revoked as provided in sections 379.420 to 379.510. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.455 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.455 - Advisory organizations.

Effective - 28 Aug 1947   379.455. Advisory organizations. — 1. Any corporation, unincorporated association, partnership or individual, other than a licensed insurer, whether located within or outside this state, which prepares policy forms, makes underwriting rules, surveys or inspections incident to but not including the making of rates, rating plans or rating systems, or which collects and furnishes to licensed insurers or rating organizations loss or expense statistics or other statistical information and data and acts in an advisory as distinguished from a ratemaking capacity shall be known as an advisory organization and shall file with the director  (1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing its activities;  (2) A list of its members;  (3) The name and address of a resident of this state upon whom notices or orders of the director or process issued at his direction may be served; and  (4) An agreement that the director may examine such advisory organization in accordance with the provisions of section 379.475.  2. Every such advisory organization shall notify the director promptly of every change in its constitution, its articles of agreement or association, or its articles of incorporation and of its bylaws, rules and regulations governing the conduct of its business, its list of members and subscribers, and the name and address of the resident of this state designated by it upon whom notices or orders of the director or process affecting such organization may be served.  3. No such group, association or organization shall engage in any unfair or unreasonable practice with respect to its activities. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.460 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.460 - Joint underwriting groups.

Effective - 28 Aug 1947   379.460. Joint underwriting groups. — 1. Every group, association or other organization of insurers which engages in joint underwriting through joint reinsurance shall file with the director  (1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing its activities;  (2) A list of its members;  (3) The name and address of a resident of this state upon whom notices or orders of the director or process issued at his direction may be served; and  (4) An agreement that the director may examine such organization in accordance with the provisions of section 379.475.  2. Every such group, association or other organization shall notify the director promptly of every change in its constitution, its articles of agreement or association, or its articles of incorporation and of its bylaws, rules and regulations governing the conduct of its business, its list of members and subscribers, and the name and address of the resident of this state designated by it upon whom notices or orders of the director or process affecting such organization may be served.  3. No such group, association or organization shall engage in any unfair or unreasonable practice with respect to its activities. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.465 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.465 - Exchange of information — agreement to rates.

Effective - 28 Aug 1947   379.465. Exchange of information — agreement to rates. — 1. Every rating organization and insurer may exchange information and experience data with insurers and rating organizations in this and other states and may consult with them with respect to ratemaking and the application of rating systems.  2. With the approval of the director, agreements may be made between two or more insurers to adhere to rates, rating plans, rating systems or underwriting practices or uniform modifications thereof for any of the classes of insurance included in sections 379.420 to 379.510.  3. With the approval of the director, agreements may also be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods, and with respect to the use of reasonable rate modifications for such insurance.  4. Such agreements shall be submitted in written form to the director for his consideration together with such information as he may require to determine whether they are consistent with the provisions of sections 379.420 to 379.510 and otherwise in the public interest. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.475 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.475 - Director to examine — powers — cost — director may accept examination by other state.

Effective - 28 Aug 1947   379.475. Director to examine — powers — cost — director may accept examination by other state. — 1. The director of the department of commerce and insurance shall have the power, at any time he may deem it advisable, to examine any insurer writing any class of insurance which is subject to the provisions of sections 379.420 to 379.510, any rating organization licensed under said sections, any advisory organization referred to in section 379.455, and every group, association, or other organization referred to in section 379.460.  2. The examination of an insurer may be made during the course of an examination pursuant to provisions of other laws of this state.  3. It shall be the duty of the director at least once every three years to make or cause to be made an examination of every rating organization licensed under sections 379.420 to 379.510.  4. During the course of any examination provided for in this section the officers, managers, agents and employees of the insurer, rating organization, advisory organization, or group, association or other organization may be examined under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation as may be requested by the director.  5. The reasonable cost of any examination provided for in this section shall be paid by the insurer, rating organization, advisory organization or group, association, or other organization undergoing such examination.  6. The director may accept the report of an examination made by the insurance supervisory official of another state in lieu of any examination provided for in this section. ­­-------- (L. 1947 V. II p. 254 § 4)
MO Rev Stat § 379.480 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.480 - Purpose of examination — hearing — orders.

Effective - 28 Aug 1947   379.480. Purpose of examination — hearing — orders. — 1. The purpose of examination, as herein provided for, is to enable the director to ascertain whether there is compliance with the provisions of sections 379.420 to 379.510.  2. If as a result of such examination the director has reason to believe that any rate, rating plan or rating system made or used by a rating organization or by an insurer does not meet the standards and provisions of sections 379.420 to 379.510 applicable to it, or that a rating organization or an advisory organization or group, association or other organization referred to in section 379.460 is not in compliance with the provisions of sections 379.420 to 379.510 applicable to it, the director may hold a public hearing in connection therewith, providing that within a reasonable period of time, which shall be not less than ten days before the date of such hearing, he shall mail written notice specifying the matters to be considered at such hearing to every person or organization believed by him not to be in compliance with the provisions of sections 379.420 to 379.510.  3. If the director, after such hearing, for good cause finds that such rate, rating plan or rating system does not meet the provisions of sections 379.420 to 379.510, he shall issue an order specifying in what respects any such rate, rating plan or rating system fails to meet the provisions of sections 379.420 to 379.510 and stating when, within a reasonable period of time thereafter, the further use of such rate, rating plan or rating system by the rating organization or insurer which is the subject of the examination shall be prohibited and a copy of such order shall be sent to such rating organization or insurer; that a rating organization, an advisory organization, or any group, association or other organization mentioned in section 379.460, is not in compliance with the provisions of sections 379.420 to 379.510, he shall issue a written order to such rating organization, advisory organization or other group, association or organization, specifying in what respect it is not complying with the provisions of sections 379.420 to 379.510 and requiring compliance. ­­-------- (L. 1947 V. II p. 254 § 4)
MO Rev Stat § 379.485 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.485 - Penalties for failure to comply — powers of director.

Effective - 28 Aug 1947   379.485. Penalties for failure to comply — powers of director. — 1. If any rating organization or insurer shall fail to comply with an order of the director lawfully made by him under section 379.480, the director may, in addition to other penalties provided in sections 379.420 to 379.510 or any other law, suspend or revoke the license of such rating organization or insurer with respect to the class or classes of insurance as to which there is such failure to comply.  2. No penalty provided in sections 379.420 to 379.510 or any suspension or revocation of license as herein provided shall be imposed except upon a written order of the director stating his findings.  3. The director's power to suspend or revoke shall include the power to modify, rescind, or reverse such suspension or revocation. ­­-------- (L. 1947 V. II p. 254 § 4)
MO Rev Stat § 379.490 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.490 - May use rating plans or systems.

Effective - 28 Aug 1947   379.490. May use rating plans or systems. — Any rate, rating plan or rating system made or adopted by an insurer or by a rating organization licensed hereunder and any modifications and amendments thereto may be used subject to the provisions of sections 379.420 to 379.510. ­­-------- (L. 1947 V. II p. 254 § 5)
MO Rev Stat § 379.495 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.495 - Payment of dividends not regulated.

Effective - 28 Aug 1947   379.495. Payment of dividends not regulated. — 1. Nothing in sections 379.420 to 379.510 shall be construed to prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers.  2. No plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers shall be deemed to be a rating plan or system. ­­-------- (L. 1947 V. II p. 254 § 6)
MO Rev Stat § 379.500 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.500 - Freedom of contract for fees not restricted.

Effective - 28 Aug 1947   379.500. Freedom of contract for fees not restricted. — Nothing in sections 379.420 to 379.510 shall abridge or restrict the freedom of contract of insurers, agents, or brokers with reference to the amount of commissions or fees to be paid to such agents or brokers by insurers, and such payments are expressly authorized. ­­-------- (L. 1947 V. II p. 254 § 7)
MO Rev Stat § 379.505 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.505 - Hearings on orders — notice — rules of pleading and evidence — review — effective date of order.

Effective - 28 Aug 1947   379.505. Hearings on orders — notice — rules of pleading and evidence — review — effective date of order. — 1. Any insurer or rating organization aggrieved by any order or decision of the director made without a hearing, may, within thirty days after notice of the order to the insurer or organization, make written request to the director for a hearing thereon.  2. The director shall hear such party or parties within twenty days after receipt of such request and shall give not less than ten days' written notice of the time and place of the hearing.  3. Within fifteen days after such hearing the director shall affirm, reverse or modify his previous action, specifying his reasons therefor. Pending such hearing and decision thereon the director shall suspend the effective date of his previous action.  4. Nothing contained in sections 379.420 to 379.510 shall require the observance at any hearing of formal rules of pleading or evidence.  5. Any order, rule or decision of the director under sections 379.420 to 379.510 shall be subject to review by the courts of this state as provided in chapter 536.  6. No order, rule or decision of the director which is submitted for judicial review may become effective until after final action or decision by the court, but if approved or affirmed by the court, such order, rule or decision shall relate back to the date of its making by the director. ­­-------- (L. 1947 V. II p. 254 § 8)
MO Rev Stat § 379.510 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.510 - Penalty for violation of orders.

Effective - 28 Aug 2007   379.510. Penalty for violation of orders. — 1. If the director determines that any person has violated a final order of the director under sections 379.420 to 379.510, the director may issue such administrative orders as authorized under section 374.046. A violation of any of these sections is a level two violation under section 374.049.  2. If the director believes that a person has violated a final order of the director under sections 379.420 to 379.510, the director may maintain a civil action for relief authorized under section 374.048. A violation of any of these sections is a level two violation under section 374.049. ­­-------- (L. 1947 V. II p. 254 § 9, A.L. 2007 S.B. 66)
MO Rev Stat § 379.515 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.515 - May reorganize and extend corporate existence.

Effective - 28 Aug 1939   379.515. May reorganize and extend corporate existence. — Any corporation now or hereafter organized and incorporated or existing under any general or special law of this state to do any insurance business other than that of life insurance the period of whose corporate existence is about to terminate may reorganize and extend and continue its corporate existence under the general laws of this state in the manner herein provided. ­­-------- (RSMo 1939 § 5990)  Prior revisions: 1929 § 5879; 1919 § 6289
MO Rev Stat § 379.520 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.520 - Content of articles of association.

Effective - 28 Aug 1939   379.520. Content of articles of association. — Whenever any such corporation desires to avail itself of the provisions of sections 379.515 to 379.580 and to reorganize and extend and continue its corporate existence under the general laws of this state after the time limited by law or its charter for the termination of its corporate existence, the directors thereof shall within one year prior to such time draw up and submit to its stockholders, if it be a stock company, or to its policyholders if it be a mutual company, or to its stockholders and its policyholders in its mutual department if it be a stock and mutual company, articles of association, which shall set forth  (1) The name of the company;  (2) The place where the principal office for the transaction of business shall be located;  (3) The specific kinds of business it proposes to transact;  (4) The period of time for which its corporate existence shall be extended and continued;  (5) The manner in which the corporate powers granted under the general insurance statutes shall be exercised, showing the number of directors, which shall not be more than twenty-five nor less than nine, and such other particulars as may be necessary to make manifest the objects and purposes of the corporation; provided, however, that the name of the corporation shall not be changed, nor shall the objects or plan of business embrace any other or more than under the general insurance statutes of this state can be carried on by any one corporation. ­­-------- (RSMo 1939 § 5991)  Prior revisions: 1929 § 5880; 1919 § 6290
MO Rev Stat § 379.525 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.525 - Additional requirements for articles of association.

Effective - 28 Aug 1939   379.525. Additional requirements for articles of association. — 1. If such company be a stock company, then the articles of association shall set forth, in addition to the requirements of section 379.520, the amount of the capital stock, the number of shares into which it shall have been divided, and the amount which has been paid upon each share, and if the capital stock is less than that required by the general statutes it shall be increased to at least that amount.  2. If such company be a mutual company, its articles of association shall set forth, in addition to what is required by section 379.520, the number of policyholders, the amount of premium notes, their face value, the amount of assessments paid thereon, and in all cases the amount of cash and other assets, itemized, held and owned by such company; provided, that the aggregate amount of assets shall not be of less value than required by new companies organizing under the insurance statutes of this state concerning mutual companies. ­­-------- (RSMo 1939 § 5992)  Prior revisions: 1929 § 5881; 1919 § 6291