reglab/housing_qa huggingface dataset:
WA Rev Code § 48.29.200 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.200 - Prohibited practices.

RCW 48.29.200 Prohibited practices.It is a violation of this chapter for any title insurance company and title insurance agent in the conduct of the business of an escrow agent as defined in RCW 18.44.011 and exempt from licensing under *RCW 18.44.021(6) to:(1) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead borrowers or lenders or to defraud any person;(2) Directly or indirectly engage in any unfair or deceptive act or practice toward any person;(3) Directly or indirectly obtain property by fraud or misrepresentation;(4) Knowingly make, publish, or disseminate any false, deceptive, or misleading information in the conduct of the business of escrow, or relative to the business of escrow or relative to any person engaged therein;(5) Knowingly receive or take possession for personal use of any property of any escrow business, other than in payment authorized by this chapter, and with intent to defraud, omit to make, or cause or direct to be made, a full and true entry thereof in the books and accounts of the title insurance company or title insurance agent;(6) Make or concur in making any false entry, or omit or concur in omitting to make any material entry, in its books or accounts;(7) Knowingly make or publish, or concur in making or publishing any written report, exhibit, or statement of its affairs or pecuniary condition containing any material statement which is false, or omit or concur in omitting any statement required by law to be contained therein;(8) Willfully fail to make any proper entry in the books of the escrow business as required by law;(9) Fail to disclose in a timely manner to the other officers, directors, controlling persons, or employees the receipt of service of a notice of an application for an injunction or other legal process affecting the property or business of a title insurance company or title insurance agent conducting an escrow business, including an order to cease and desist or other order of the insurance commissioner; or(10) Fail to make any report or statement lawfully required by the insurance commissioner or other public official.[ 1999 c 30 § 35.]NOTES:*Reviser's note: RCW 18.44.021 was amended by 2015 c 229 § 1, changing subsection (6) to subsection (1)(f).
WA Rev Code § 48.29.210 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.210 - Business inducements—Prohibited practices.

RCW 48.29.210 Business inducements—Prohibited practices.(1) A title insurer, title insurance agent, or employee, agent, or other representative of a title insurer or title insurance agent shall not, directly or indirectly, give any fee, kickback, or other thing of value to any person as an inducement, payment, or reward for placing business, referring business, or causing title insurance business to be given to either the title insurer, or title insurance agent, or both.(2) A title insurer, title insurance agent, or employee, agent, or other representative of a title insurer or title insurance agent shall not, directly or indirectly, give anything of value to any person in a position to refer or influence the referral of title insurance business to either the title insurance company or title insurance agent, or both, except as permitted under rules adopted by the commissioner.[ 2008 c 110 § 3.]
WA Rev Code § 48.29.213 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.213 - Return on ownership interest—Certain payments authorized.

RCW 48.29.213 Return on ownership interest—Certain payments authorized.(1) RCW 48.29.210, 18.85.053, 18.44.305, or 19.146.103 does not make unlawful the payment by a title insurer or title insurance agent and the receipt by a producer of title insurance business of a return on ownership interest in the title insurer or title insurance agent.(2) A return on ownership interest may include:(a) Bona fide dividends, and capital or equity distributions, related to ownership interest or franchise relationship, between entities in an affiliated relationship; and(b) Bona fide business loans, advances, and capital or equity contributions between entities in an affiliate relationship (in any direction), so long as they are for ordinary business purposes and are not fees for the referral of settlement service business or unearned fees.(3) A return on ownership interest does not include:(a) Any payment which has a basis of calculation of no apparent business motive other than distinguishing among recipients of payments on the basis of the amount of their actual, estimated, or anticipated referrals;(b) Any payment which varies according to the relative amount of referrals by the different recipients of similar payments; or(c) A payment based on an ownership, partnership, or joint venture share which has been adjusted on the basis of previous relative referrals by recipients of similar payments.[ 2008 c 110 § 13.]
WA Rev Code § 48.29.400 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.400 - Rating organizations—Intent.

RCW 48.29.400 Rating organizations—Intent.It is the legislature's intent to establish a system by which title insurers may adopt a rating organization's form and rate filings pursuant to this chapter in order to benefit consumers and entities purchasing, selling, or financing real property. It is further the legislature's intent that the system so established under state oversight comply with state and federal law so that title insurers and rating organizations acting in accordance with this chapter may lawfully cooperate in the preparation of title insurance forms and manuals, and the recommendation of rates, subject to approval by the commissioner.[ 2017 c 103 § 1.]
WA Rev Code § 48.29.405 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.405 - Rating organizations—License required.

RCW 48.29.405 Rating organizations—License required.A rating organization may not do business in this state or make filings with the commissioner unless then licensed by the commissioner as a rating organization.[ 2017 c 103 § 4.]
WA Rev Code § 48.29.410 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.410 - Rating organizations—License applications.

RCW 48.29.410 Rating organizations—License applications.Any person, whether domiciled within or outside this state, except as provided in this section, may make application to the commissioner for a license as a rating organization for title insurance. The application must include:(1) A copy of the applicant's constitution, articles of agreement or association, certificate of incorporation, or trust agreement, and of its bylaws, rules, and regulations governing the conduct of its business;(2) A list of its members and a list of its subscribers;(3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process affecting such rating organization may be served; and(4) A statement of its qualifications as a rating organization.[ 2017 c 103 § 5.]
WA Rev Code § 48.29.415 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.415 - Rating organizations—License issuance—Term.

RCW 48.29.415 Rating organizations—License issuance—Term.(1) If the commissioner finds that the applicant for a license as a rating organization is competent, trustworthy, and otherwise qualified to act, and that its constitution, articles of agreement or association, certificate of incorporation, or trust agreement, and its bylaws, rules, and regulations governing the conduct of its business conform to the requirements of law, the commissioner shall, upon payment of a license fee of the amount established by the commissioner pursuant to RCW 48.29.005, issue a license authorizing the applicant to act as a rating organization for title insurance.(2) The commissioner shall grant or deny in whole or in part every such application within sixty days of the date of its filing.(3) A license issued pursuant to this section remains in effect for three years unless sooner suspended or revoked by the commissioner.[ 2017 c 103 § 6.]
WA Rev Code § 48.29.420 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.420 - Rating organizations—License suspension and revocation.

RCW 48.29.420 Rating organizations—License suspension and revocation.(1) The commissioner may, after a hearing, suspend or revoke the license issued to a rating organization for any of the following causes:(a) The commissioner finds that the licensee no longer meets the qualifications for the license.(b) The rating organization fails to comply with an order of the commissioner within the time limited by the order, or any extension thereof which the commissioner may grant.(2) The commissioner shall not so suspend or revoke a license for failure to comply with an order until the time prescribed by this code for an appeal from such order to the superior court has expired or if such appeal has been taken, until such order has been affirmed.(3) The commissioner may determine when a suspension or revocation of license is effective. A suspension of license remains in effect for the period fixed by the commissioner, unless the commissioner modifies or rescinds the suspension, or until the order, failure to comply with which constituted grounds for the suspension, is modified, rescinded, or reversed.[ 2017 c 103 § 7.]
WA Rev Code § 48.29.425 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.425 - Rating organizations—Commissioner notification.

RCW 48.29.425 Rating organizations—Commissioner notification.Every rating organization shall notify the commissioner promptly of every change in:(1) Its constitution, its articles of agreement or association, its certificate of incorporation, or trust agreement, and its bylaws, rules, and regulations governing the conduct of its business;(2) Its list of members and subscribers; and(3) The name and address of the resident of this state designated by it upon whom notices or orders of the commissioner or process affecting such rating organization may be served.[ 2017 c 103 § 8.]
WA Rev Code § 48.29.430 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.430 - Rating organizations—Subscribers.

RCW 48.29.430 Rating organizations—Subscribers.(1) Subject to rules and regulations approved by the commissioner as reasonable, each rating organization shall permit any title insurance company, not a member, to subscribe to its rating services.(2) Notice of proposed changes to the rules and regulations must be given to each subscriber.(3) A title insurer shall not concurrently be a subscriber to the services of more than one rating organization.(4) The subscribers of any rating organization may, from time to time, individually or through committees representing various subscribers, consult with the rating organization with respect to matters within this chapter that affect such subscribers.[ 2017 c 103 § 9.]
WA Rev Code § 48.29.435 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.435 - Rating organizations—Review by commissioner.

RCW 48.29.435 Rating organizations—Review by commissioner.(1) The reasonableness of any rule or regulation in its application to subscribers, or the refusal of any rating organization to admit an insurer as a subscriber, shall, at the request of any subscriber or any such insurer, be reviewed by the commissioner at a hearing held upon notice to the rating organization and to the subscriber or insurer.(2) If the commissioner finds that a rule or regulation is unreasonable in its application to subscribers, the commissioner shall order that the rule or regulation is not applicable to subscribers that are not members of the rating organization.(3) If a rating organization fails to grant or reject an insurer's application for subscribership within thirty days after it was made, the insurer may request a review by the commissioner as if the application had been rejected. If the commissioner finds that the insurer has been refused admittance to the rating organization as a subscriber without justification, the commissioner shall order the rating organization to admit the insurer as a subscriber. If the commissioner finds that the action of the rating organization was justified, the commissioner shall make an order affirming its action.[ 2017 c 103 § 10.]
WA Rev Code § 48.29.440 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.440 - Rating organizations—Cooperative activities and practices.

RCW 48.29.440 Rating organizations—Cooperative activities and practices.(1) Cooperation among rating organizations or among rating organizations and insurers in rate making or in other matters within the scope of this chapter is hereby authorized and the filings resulting from such cooperation are subject to all the provisions of this title that are applicable to filings generally.(2) The commissioner shall review such cooperative activities and practices and if, after a hearing, the commissioner finds that any such activity or practice is inconsistent with the provisions of this code, the commissioner may issue a written order specifying in what respect such activity or practice is so inconsistent, and requiring the discontinuance of such activity or practice.[ 2017 c 103 § 11.]
WA Rev Code § 48.29.445 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.445 - Rating organizations—Actuarial, technical, and other services.

RCW 48.29.445 Rating organizations—Actuarial, technical, and other services.Any rating organization may subscribe for or purchase actuarial, technical, or other services, and such services must be available to all subscribers without discrimination.[ 2017 c 103 § 12.]
WA Rev Code § 48.29.450 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.450 - Rating organizations—Records—Commissioner cost recovery rules.

RCW 48.29.450 Rating organizations—Records—Commissioner cost recovery rules.(1) Each rating organization shall keep an accurate and complete record of all work performed by it, and of all its receipts and disbursements. Such rating organization and its records shall be examined by the commissioner at such times and in such manner as is provided in chapter 48.03 RCW.(2) The commissioner may adopt rules to enable the commissioner to recover the costs of the commissioner's examination of a rating organization from the rating organization or the rating organization's members and subscribers.[ 2017 c 103 § 13.]
WA Rev Code § 48.29.455 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.455 - Rating organizations—Members and subscribers—Appeal to commissioner.

RCW 48.29.455 Rating organizations—Members and subscribers—Appeal to commissioner.(1) Any member of or subscriber to a rating organization may appeal to the commissioner from the rating organization's action or decision in approving or rejecting any proposed change in or addition to the rating organization's filings. The commissioner shall, after a hearing on the appeal:(a) Issue an order approving the rating organization's action or decision or directing it to give further consideration to such proposal; or(b) If the appeal is from the rating organization's action or decision in rejecting a proposed addition to its filings, the commissioner may, upon finding that the action or decision was unreasonable, issue an order directing the rating organization to make an addition to its filings, on behalf of its subscribers, in a manner consistent with the commissioner's findings, within a reasonable time after the issuance of such order.(2) If such appeal is based upon the rating organization's failure to make a filing on behalf of such subscriber which is based on a system of expense provisions that differs from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if the appeal is granted, order the rating organization to make the requested filing for use by the appellant.(3) In deciding the appeal the commissioner shall apply the standards set forth in RCW 48.29.143 and 48.29.147 for rate filings, and the standards set forth in RCW 48.18.100 and 48.18.110 for form filings.[ 2017 c 103 § 15.]
WA Rev Code § 48.29.460 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.460 - Rating organizations—Members and subscribers—Discrimination.

RCW 48.29.460 Rating organizations—Members and subscribers—Discrimination.(1) Every rating organization operating in this state shall furnish its services without discrimination as between its members and subscribers.(2) This chapter is not intended to and does not govern or affect the membership relation as such between a rating organization and insurers that are its members.[ 2017 c 103 § 16.]
WA Rev Code § 48.29.465 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.465 - Rating organizations—Membership or subscription not required.

RCW 48.29.465 Rating organizations—Membership or subscription not required.This chapter does not require any insurer to be a member of or subscriber to, or in any other respect affiliated with, any rating organization.[ 2017 c 103 § 17.]
WA Rev Code § 48.29.470 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.470 - Rating organizations—Aggregate information and experience data—Exchange.

RCW 48.29.470 Rating organizations—Aggregate information and experience data—Exchange.Every rating organization may exchange aggregate information and experience data with insurers, rating organizations in this state, and the statistical reporting agent designated in accordance with RCW 48.29.017, and may consult with insurers and rating organizations in this state with respect to form and rate making and the application of rating systems, except to the extent that an agreement between a rating organization and its member or subscriber prohibits the rating organization from disclosing any information or experience data of such member or subscriber to other insurers, members, subscribers, rating organizations, or the statistical reporting agent.[ 2017 c 103 § 18.]
WA Rev Code § 48.29.500 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.500 - Advisory organizations—Filings with commissioner.

RCW 48.29.500 Advisory organizations—Filings with commissioner.Every advisory organization before serving as such to any rating organization or insurer doing business in this state must provide the following to the commissioner:(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 commissioner or process issued at his or her direction may be served; and(4) An agreement that the commissioner may examine such advisory organization in accordance with the provisions of RCW 48.03.010.[ 2017 c 103 § 19.]
WA Rev Code § 48.29.510 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.510 - Advisory organizations—Acts and practices inconsistent with chapter.

RCW 48.29.510 Advisory organizations—Acts and practices inconsistent with chapter.If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization involves any act or practice that is inconsistent with the provisions of this code, the commissioner may issue a written order specifying in what respect such act or practice is so inconsistent, and requiring the discontinuance of such act or practice.[ 2017 c 103 § 20.]
WA Rev Code § 48.29.901 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.901 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.29.901 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 122.]
WA Rev Code § 48.30.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.020 - Anticompact law.

RCW 48.30.020 Anticompact law.(1) No person shall either within or outside of this state enter into any contract, understanding or combination with any other person to do jointly or severally any act or engage in any practice for the purpose of(a) controlling the rates to be charged for insuring any risk or any class of risks in this state; or(b) unfairly discriminating against any person in this state by reason of his or her plan or method of transacting insurance, or by reason of his or her affiliation or nonaffiliation with any insurance organization; or(c) establishing or perpetuating any condition in this state detrimental to free competition in the business of insurance or injurious to the insuring public.(2) This section shall not apply relative to ocean marine and foreign trade insurances.(3) This section shall not be deemed to prohibit the doing of things permitted to be done in accordance with the provisions of chapter 48.19 RCW of this code.(4) Whenever the commissioner has knowledge of any violation of this section he or she shall forthwith order the offending person to discontinue such practice immediately or show cause to the satisfaction of the commissioner why such order should not be complied with. If the offender is an insurer or a licensee under this code and fails to comply with such order within thirty days after receipt thereof, the commissioner may forthwith revoke the offender's certificate of authority or licenses.[ 2009 c 549 § 7118; 1947 c 79 § .30.02; Rem. Supp. 1947 § 45.30.02.]
WA Rev Code § 48.30.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.030 - False financial statements.

RCW 48.30.030 False financial statements.No person shall knowingly file with any public official nor knowingly make, publish, or disseminate any financial statement of an insurer which does not accurately state the insurer's financial condition.[1947 c 79 § .30.03; Rem. Supp. 1947 § 45.30.03.]
WA Rev Code § 48.30.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.040 - False information and advertising.

RCW 48.30.040 False information and advertising.No person shall knowingly make, publish, or disseminate any false, deceptive or misleading representation or advertising in the conduct of the business of insurance, or relative to the business of insurance or relative to any person engaged therein.[1947 c 79 § .30.04; Rem. Supp. 1947 § 45.30.04.]