reglab/housing_qa huggingface dataset:
WA Rev Code § 48.36A.290 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.290 - License required—Obtaining.

RCW 48.36A.290 License required—Obtaining.(1) No foreign or alien society shall transact business in this state without a license issued by the commissioner. Any society desiring admission to this state shall comply substantially with the requirements and limitations of this chapter applicable to domestic societies and must have and continue to maintain unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340. A society may be licensed to transact business in this state upon filing with the commissioner:(a) A duly certified copy of its articles of incorporation;(b) A copy of its bylaws, certified by its secretary or corresponding officer;(c) A power of attorney to the commissioner as prescribed in RCW 48.36A.410;(d) A statement of its business under oath by its president and secretary, or corresponding officers, in a form prescribed by the commissioner, verified by an examination made by the supervising insurance official of its home state or other state, territory, province, or country, satisfactory to the commissioner;(e) Certification from the proper official of its home state, territory, province, or country that the society is legally incorporated and licensed to transact business;(f) Copies of its certificate forms; and(g) Such other information as the commissioner may deem necessary; and upon a showing that its assets are invested in accordance with the provisions of this chapter.(2) After June 30, 1997, a foreign or alien society which does not have unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340 may not issue any new policies or certificates until the society has unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340; however, a foreign or alien society may continue to issue new policies or certificates to members of the society who have an existing policy or certificate in force with the society on June 30, 1997. Once such a foreign or alien society obtains unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340, the society must continue to maintain unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340.(3) After June 30, 1997, a foreign or alien society which had unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340 on December 31, 1996, must continue to maintain unimpaired surplus in the minimum amount of total capital and surplus required by RCW 48.05.340.(4) The commissioner may, by rule, require foreign or alien fraternal societies to have and maintain a larger amount of surplus than the minimum amount of capital and surplus prescribed under RCW 48.05.340, based upon the type, volume, and nature of insurance business transacted, consistent with the principles of risk-based capital modified to recognize the special characteristics of fraternal benefit societies.[ 1996 c 236 § 2; 1987 c 366 § 29.]
WA Rev Code § 48.36A.310 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.310 - Deficiencies, noncompliance by societies—Actions against license.

RCW 48.36A.310 Deficiencies, noncompliance by societies—Actions against license.(1) The commissioner may refuse, suspend, or revoke a fraternal benefit society's license, if the society:(a) Has exceeded its powers;(b) Has failed to comply with any of the provisions of this chapter;(c) Is not fulfilling its contracts in good faith;(d) Is conducting its business fraudulently;(e) Has a membership of less than four hundred after an existence of one year or more;(f) Is found by the commissioner to be in such a condition that its further transaction of insurance in this state would be hazardous to certificate holders and the people in this state;(g) Refuses to remove or discharge a trustee, director, or officer who has been convicted of any crime involving fraud, dishonesty, or like moral turpitude;(h) Refuses to be examined, or if its trustees, directors, officers, employees, or representatives refuse to submit to examination or to produce its accounts, records, and files for examination by the commissioner when required, or refuse to perform any legal obligation relative to the examination;(i) Fails to pay any final judgment rendered against it in this state upon any certificate, or undertaking issued by it, within thirty days after the judgment became final or within thirty days after time for taking an appeal has expired, or within thirty days after dismissal of an appeal before final determination, whichever date is the later;(j) Is found by the commissioner, after investigation or upon receipt of reliable information, to be managed by persons, whether by its trustees, directors, officers, or by any other means, who are incompetent or untrustworthy or so lacking in fraternal benefit society managerial experience as to make a proposed operation hazardous to its members; or that there is good reason to believe it is affiliated directly or indirectly through ownership, control, or business relations, with any person or persons whose business operations are or have been found to be in violation of any law or rule, to the detriment of the members of the society or of the public, by bad faith or by manipulation of the assets, or of accounts, or of reinsurance of the society; or(k) Does business through insurance producers or other representatives in this state or in any other state who are not properly licensed under applicable laws and rules.(2) Nothing in this section shall prevent a society from continuing, in good faith, all contracts made in this state during the time the society was legally authorized to transact business herein.[ 2008 c 217 § 45; 1996 c 236 § 3; 1987 c 366 § 31.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.36A.320 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.320 - Requirements for injunction.

RCW 48.36A.320 Requirements for injunction.No application or petition for injunction against any domestic, foreign, or alien society, or lodge thereof, shall be maintained in any court of this state unless made by the attorney general upon request of the commissioner.[ 1987 c 366 § 32.]
WA Rev Code § 48.36A.330 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.330 - Insurance producers.

RCW 48.36A.330 Insurance producers.(1) Insurance producers of societies shall be licensed in accordance with the applicable provisions of chapter 48.17 RCW regulating the licensing, revocation, suspension, or termination of licenses of resident and nonresident insurance producers.(2) The following individuals shall not be deemed an insurance producer of a fraternal benefit society within the provisions of subsection (1) of this section:(a) Any regular salaried officer or employee of a licensed society who devotes substantially all of their services to activities other than the solicitation of fraternal insurance contracts from the public, and who receives for the solicitation of such contracts no commission or other compensation directly dependent upon the amount of business obtained; or(b) Any insurance producer or representative of a society who devotes, or intends to devote, less than fifty percent of their time to the solicitation and procurement of insurance contracts for such society: PROVIDED, That any person who in the preceding calendar year has solicited and procured life insurance contracts on behalf of any society in an amount of insurance in excess of fifty thousand dollars shall be conclusively presumed to be devoting, or intending to devote, fifty percent of the person's time to the solicitation or procurement of insurance contracts for such society.[ 2008 c 217 § 46; 1987 c 366 § 33.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.36A.340 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.340 - Unfair trade practices.

RCW 48.36A.340 Unfair trade practices.(1) Except as provided in subsection (2) of this section, every society authorized to do business in this state shall be subject to the provisions of chapter 48.30 RCW relating to unfair trade practices.(2) Nothing in chapter 48.30 RCW shall be construed as applying to or affecting the right of any society to determine its eligibility requirements for membership, or be construed as applying to or affecting the offering of benefits exclusively to members or persons eligible for membership in the society by a subsidiary corporation or affiliated organization of the society.[ 1987 c 366 § 34.]
WA Rev Code § 48.36A.350 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.350 - Service of process upon commissioner.

RCW 48.36A.350 Service of process upon commissioner.(1) Every society authorized to do business in this state must appoint the commissioner as its attorney to receive service of, and upon whom must be served, all legal process issued against it in this state upon causes of action arising within this state. Service upon the commissioner as attorney constitutes service upon the society.(2) With the appointment the society must designate the person to whom the commissioner must forward legal process so served upon him or her.(3) The appointment of the commissioner as attorney is irrevocable, binds any successor in interest or to the assets or liabilities of the society, and remains in effect as long as there is in force in this state any contract made by the society or liabilities or duties arising therefrom.(4) The service of process must be accomplished and processed in the manner prescribed under RCW 48.02.200.[ 2011 c 47 § 11; 1987 c 366 § 35.]
WA Rev Code § 48.36A.360 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.360 - Penalties.

RCW 48.36A.360 Penalties.(1) Any person who wilfully makes a false or fraudulent statement in or relating to an application for membership or for the purpose of obtaining money from or a benefit in any society, shall upon conviction be fined not less than one hundred dollars nor more than five hundred dollars or imprisonment in the county jail not less than thirty days nor more than three hundred sixty-four days, or both.(2) Any person who wilfully makes a false or fraudulent statement in any verified report or declaration under oath required or authorized by this chapter, or of any material fact or thing contained in a sworn statement concerning the death or disability of an insured for the purpose of procuring payment of a benefit named in the certificate, shall be guilty of false swearing and shall be subject to the penalties under RCW 9A.72.040.(3) Any person who solicits membership for, or in any manner assists in procuring membership in, any society not licensed to do business in this state shall be guilty of a misdemeanor and upon conviction be fined not less than fifty dollars nor more than two hundred dollars.(4) Any person guilty of a wilful violation of, or neglect or refusal to comply with, the provisions of this chapter for which a penalty is not otherwise prescribed, shall upon conviction, be subject to a fine not exceeding two hundred dollars.[ 2011 c 96 § 39; 1987 c 366 § 36.]NOTES:Findings—Intent—2011 c 96: See note following RCW 9A.20.021.
WA Rev Code § 48.36A.380 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.380 - World War I societies.

RCW 48.36A.380 World War I societies.Any corporation, society, order, or voluntary association operating as set forth in RCW 48.36A.010, 48.36A.020, and 48.36A.030, organized during the war in which the United States entered on April 6, 1917, with the purposes of assisting the government of the United States in maintaining and increasing the production of commodities essential for the prosecution of that war, and of developing loyalty to the United States, or whose membership is limited to veterans of that war, may be licensed under the provisions of this chapter and shall have all the privileges and shall be subject to all the provisions and regulations of this chapter, except that the provisions of this chapter requiring death benefits of at least one thousand dollars, medical examinations, and valuations of benefit certificates, shall not apply to such society, but the society may provide benefits in case of death or disability resulting solely from accidents in an amount not exceeding one thousand dollars and may also provide for death or funeral benefits, or both, not exceeding one hundred dollars each, and for sick or disability benefits not exceeding five hundred dollars to any one person, in any one year. Any corporation, society, order, or voluntary association organized under the provisions of this section shall file with the insurance commissioner a copy of all its rates and policy forms. Rates and policy forms must be approved by the insurance commissioner before becoming effective. All rates and forms approved by the commissioner shall be observed by the society until amended rates or forms shall have been filed with and approved by the insurance commissioner.[ 1987 c 366 § 38.]
WA Rev Code § 48.36A.400 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.400 - Fraternal mutual life insurers.

RCW 48.36A.400 Fraternal mutual life insurers.(1) A mutual life insurer which is affiliated with and insures exclusively members of a specified fraternal society, which society conducts its business and secures its membership on the lodge system, having ritualistic work and ceremonies, is herein designated as a fraternal mutual life insurer.(2) Such an insurer shall be subject to the applicable provisions of this title governing mutual life insurers except only as to the provisions relative to annual meeting, taxes, fees, and licenses. Such an insurer shall pay for its annual license and filing its annual statement, the sum of ten dollars. Such an insurer shall pay the expense of examinations of it by the commissioner, upon statement furnished by the commissioner.[ 1987 c 366 § 40.]
WA Rev Code § 48.36A.410 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.410 - Review of commissioner's decisions and findings.

RCW 48.36A.410 Review of commissioner's decisions and findings.All decisions and findings of the commissioner made under the provisions of this chapter shall be subject to review as provided in chapter 34.05 RCW.[ 1987 c 366 § 41.]
WA Rev Code § 48.36A.901 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.36A - Fraternal Benefit Societies.|48.36A.901 - Effective date—1987 c 366.

RCW 48.36A.901 Effective date—1987 c 366.This act shall take effect January 1, 1988.[ 1987 c 366 § 45.]
WA Rev Code § 48.37.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.005 - Short title.

RCW 48.37.005 Short title.This chapter may be known and cited as the market conduct oversight law.[ 2007 c 82 § 2.]
WA Rev Code § 48.37.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.010 - Purpose—Intent.

RCW 48.37.010 Purpose—Intent.(1) The purpose of this chapter is to establish a framework for the commissioner's market conduct actions, including:(a) Processes and systems for identifying, assessing, and prioritizing market conduct problems that have a substantial adverse impact on consumers, policyholders, and claimants;(b) Market conduct actions by the commissioner to substantiate such market conduct problems and a means to remedy significant market conduct problems; and(c) Procedures to communicate and coordinate market conduct actions among state insurance regulators to foster the most efficient and effective use of resources.(2) It is the intent of the legislature that the market analysis or market conduct process utilize available technology in the least intrusive and most cost-efficient manner to develop a baseline understanding of the marketplace and to identify insurers or practices that deviate significantly from the norm or that pose a potential risk to the insurance consumer. It is also the intent of the legislature that this process include discretion for the commissioner to use market conduct examinations when the continuum of available market conduct actions have not sufficiently addressed issues concerning insurer activities in Washington, or when the continuum of available market conduct actions are not reasonably expected to address issues concerning insurer activities in Washington.(3) It is further the intent of the legislature that the commissioner work with the national association of insurance commissioners toward development of an accreditation process for market conduct oversight and an effective process for domestic deference that creates protections for Washington consumers and efficient and effective regulation of the industry.[ 2007 c 82 § 3.]
WA Rev Code § 48.37.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.020 - Application.

RCW 48.37.020 Application.This chapter applies to all entities regulated by this title, and to all persons or entities acting as or holding themselves out as insurers in this state, unless otherwise exempted from the provisions of this title.[ 2007 c 82 § 4.]
WA Rev Code § 48.37.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.050 - Protocols for market conduct actions—Rules—Report to the legislature.

RCW 48.37.050 Protocols for market conduct actions—Rules—Report to the legislature.(1) Market conduct actions shall be taken as a result of market analysis and shall focus on the general business practices and compliance activities of insurers, rather than identifying obviously infrequent or unintentional random errors that do not cause significant consumer harm.(2)(a) The commissioner is authorized to determine the frequency and timing of such market conduct actions. The timing shall depend upon the specific market conduct action to be initiated, unless extraordinary circumstances indicating a risk to consumers require immediate action.(b) If the commissioner has information that more than one insurer is engaged in common practices that may violate statutes or rules, the commissioner may schedule and coordinate multiple examinations simultaneously.(3) The insurer shall be given reasonable opportunity to resolve matters that arise as a result of a market analysis to the satisfaction of the commissioner before any additional market conduct actions are taken against the insurer.(4) The commissioner shall adopt by rule, under chapter 34.05 RCW, procedures and documents that are substantially similar to the NAIC work products defined or referenced in this chapter. Market analysis, market conduct actions, and market conduct examinations shall be performed in accordance with the rule.(5) At the beginning of the next legislative session after the adoption of the rules adopted under the authority of this section, the commissioner shall report to the appropriate policy committees of the legislature what rules were adopted; what statutory policies these rules were intended to implement; and such other matters as are indicated for the legislature's understanding of the role played by the NAIC in regulation of the insurance industry of Washington.[ 2007 c 82 § 7.]
WA Rev Code § 48.37.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.080 - Confidentiality.

RCW 48.37.080 Confidentiality.(1) All data and documents, including but not limited to working papers, third-party models or products, complaint logs, and copies thereof, created, produced, or obtained by or disclosed to the commissioner, the commissioner's authorized representative, or an examiner appointed by the commissioner in the course of any market conduct actions or examinations made under this chapter, or in the course of market analysis by the commissioner of the market conditions of an insurer, or obtained by the NAIC as a result of any of the provisions of this chapter, to the extent the documents are in the possession of the commissioner or the NAIC, shall be confidential by law and privileged, shall not be subject to the provisions of chapter 42.56 RCW, shall not be subject to subpoena, and shall not be subject to discovery or admissible in evidence in any private civil action.(2) If the commissioner elects to issue a report of an examination, a preliminary or draft market conduct examination report is confidential and not subject to disclosure by the commissioner nor is it subject to subpoena or discovery. This subsection does not limit the commissioner's authority to use a preliminary or draft market conduct examination report and related information in furtherance of any legal or regulatory action, or to release it in accordance with the provisions of RCW 48.02.065.(3) An insurance compliance self-evaluative audit document in the possession of the commissioner is confidential by law and privileged, and shall not be:(a) Made public by the commissioner;(b) Subject to the provisions of chapter 42.56 RCW;(c) Subject to subpoena; and(d) Subject to discovery and admissible in evidence in any private civil action.(4) Neither the disclosure of any self-evaluative audit document to the commissioner or to the commissioner's designee nor the citation to this document in connection with an agency action shall constitute a waiver of any privilege that may otherwise apply.[ 2007 c 82 § 10.]
WA Rev Code § 48.37.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.37 - Market Conduct Oversight.|48.37.090 - Market conduct oversight personnel.

RCW 48.37.090 Market conduct oversight personnel.(1) Market conduct oversight personnel shall be qualified by education, experience, and, where applicable, professional designations. The commissioner may supplement the in-house market conduct oversight staff with qualified outside professional assistance if the commissioner determines that the assistance is necessary.(2) Market conduct oversight personnel have a conflict of interest, either directly or indirectly, if they are affiliated with the management of, and have, within five years of any market conduct action, been employed by, or own a pecuniary interest in the insurer, subject to any examination under this chapter. This section shall not be construed to automatically preclude an individual from being:(a) A policyholder or claimant under an insurance policy;(b) A grantor of a mortgage or similar instrument on the individual's residence from a regulated entity, if done under customary terms and in the ordinary course of business;(c) An investment owner in shares of regulated diversified investment companies; or(d) A settlor or beneficiary of a "blind trust" into which any otherwise impermissible holdings have been placed.[ 2007 c 82 § 11.]