reglab/housing_qa huggingface dataset:
RI Gen L § 27-69-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-2 - Definitions.

§ 27-69-2. Definitions.(a) "Commissioner" shall mean the director of the department of business regulation or the health insurance commissioner, as appropriate.(b) "Health plan" shall mean "health insurance coverage" as defined in subsections 27-18.5-2(8)(i) and 27-18.6-2(16)(i) or "health benefit plan" as defined in § 27-50-3.(c) "High deductible health plan" shall have the same meaning as defined in 26 U.S.C. 223.(d) "Mandated benefit law" shall mean any law of this state that requires provision of health insurance coverage for a specified service or payment to a specified type of health care provider, including, but not limited to, the benefits or services mandated in §§ 27-18-48.1, 27-18-60, 27-18-62, 27-18-64, similar provisions in title 27, chapters 19, 20 and 41, and §§ 27-18-3(c), 27-38.2-1 et seq., and all mandated benefit laws passed subsequent to the effective date of this chapter unless applicability of this chapter is specifically excluded in such law.History of Section.P.L. 2005, ch. 97, § 5; P.L. 2005, ch. 99, § 5.
RI Gen L § 27-69-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-3 - Deductibles and other cost-sharing.

§ 27-69-3. Deductibles and other cost-sharing.Notwithstanding anything to the contrary in any mandated benefit law, no mandated benefit law shall be construed to forbid inclusion in any health plan of a provision for any deductible and/or other cost-sharing provisions suitable to qualify a health plan, which may be purchased for use with health savings accounts for a tax preference, as a high deductible health plan or any other similar federal or state tax preference available now or in the future; provided, however, that this section shall not exempt high deductible health plans from any other provision of applicable mandated benefit laws. The commissioner shall retain jurisdiction to approve policies, rates and forms for all high deductible health plans pursuant to the provisions of this title and title 42 of the general laws.History of Section.P.L. 2005, ch. 97, § 5; P.L. 2005, ch. 99, § 5.
RI Gen L § 27-69-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-4 - Rules and regulations.

§ 27-69-4. Rules and regulations.The commissioner shall promulgate any rules or regulations as he or she shall deem necessary for the efficient administration of this chapter.History of Section.P.L. 2005, ch. 97, § 5; P.L. 2005, ch. 99, § 5.
RI Gen L § 27-69-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-5 - Severability.

§ 27-69-5. Severability.If any provision of this chapter or its application to any person or circumstance is held invalid, the invalidity shall not affect other provisions or applications of this chapter which can be given effect without the invalid provision or application, and for this purpose the provisions of this chapter are severable.History of Section.P.L. 2005, ch. 97, § 5; P.L. 2005, ch. 99, § 5.
RI Gen L § 27-69-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-6 - [Repealed.]

§ 27-69-6. [Repealed.]History of Section.P.L. 2005, ch. 97, § 5; P.L. 2005, ch. 99, § 5; P.L. 2009, ch. 180, § 1; P.L. 2009, ch. 182, § 1; Repealed by P.L. 2011, ch. 42, § 1; P.L. 2011, ch. 51, § 1, effective June 6, 2011.
RI Gen L § 27-69-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-69 - Mandated Benefits|Section 27-69-7 - Mandated benefit statement of intent.

§ 27-69-7. Mandated benefit statement of intent.Notwithstanding any general law enacted after January 1, 2014, any legislation that would create a new state health benefit mandate, or expand upon an existing health benefit, shall contain a statement of intent that clearly provides the purpose and objectives of the health benefit mandate, including measurable goals expected to be achieved by the new or expanded benefit mandate. These goals should address both commercial insurance affordability and population health outcomes.History of Section.P.L. 2013, ch. 341, § 5; P.L. 2013, ch. 394, § 5.
RI Gen L § 27-70-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-70 - Health Insurance Tax Incentive|Section 27-70-1 - Short title.

§ 27-70-1. Short title.This chapter shall be known and may be cited as "The Health Insurance Tax Incentive".History of Section.P.L. 2007, ch. 125, § 1; P.L. 2007, ch. 231, § 1.
RI Gen L § 27-70-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-70 - Health Insurance Tax Incentive|Section 27-70-2 - Definitions.

§ 27-70-2. Definitions.As used in this chapter:(1) "Employee" has the meaning set forth in subsection 28-42-3(14).(2) "Employer" has the meaning set forth in subsection 28-42-3(15).History of Section.P.L. 2007, ch. 125, § 1; P.L. 2007, ch. 231, § 1.
RI Gen L § 27-70-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-70 - Health Insurance Tax Incentive|Section 27-70-3 - Cafeteria plans.

§ 27-70-3. Cafeteria plans.On or before July 1, 2009, each employer with annual average employment of more than twenty-five (25) employees for six (6) consecutive months of the year in the state of Rhode Island shall adopt and maintain for its employees a cafeteria plan that satisfies the Internal Revenue Code 26 U.S.C. § 125 and the rules and regulations promulgated by the office of the health insurance commissioner and through which the employees and their dependents may purchase health insurance. Nothing in this section shall be construed to require an employer covered by this section to pay for, or otherwise contribute to, the cost of any health insurance purchased through the cafeteria plan.History of Section.P.L. 2007, ch. 125, § 1; P.L. 2007, ch. 231, § 1.
RI Gen L § 27-70-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-70 - Health Insurance Tax Incentive|Section 27-70-4 - Regulatory oversight.

§ 27-70-4. Regulatory oversight.The director of the department of labor and training shall have the authority to promulgate rules and regulations for the implementation and administration of this chapter.History of Section.P.L. 2007, ch. 125, § 1; P.L. 2007, ch. 231, § 1.
RI Gen L § 27-71-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-1 - Short title.

§ 27-71-1. Short title.This chapter shall be known and may be cited as the "Market Conduct Surveillance Act".History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-2 - Purpose - Legislative intent.

§ 27-71-2. Purpose — Legislative intent.(a) The purpose of this chapter is to establish a framework for insurance market conduct actions, including:(1) Processes and systems for identifying, assessing and prioritizing market conduct problems that have an adverse impact on consumers, policyholders and claimants;(2) Market conduct actions by a commissioner to substantiate such market conduct problems and a means to remedy market conduct problems; and(3) Procedures to communicate and coordinate market conduct actions among states to foster the most efficient and effective use of resources.(b) This chapter does not apply to entities regulated by the office of health insurance commissioner under chapter 42-14.5 ("The Rhode Island Healthcare Reform Act of 2004 — Health Insurance Oversight") or any insurer licensed only in the state of Rhode Island.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-6 - Protocols for market conduct actions.

§ 27-71-6. Protocols for market conduct actions.(a) Market conduct actions taken as a result of a market analysis shall focus on the general business practices and compliance activities of insurers, rather than identifying infrequent or unintentional random errors that do not cause consumer harm.(b) (1) The commissioner is authorized to determine the frequency and timing of such market conduct actions. The timing shall depend upon the specific market conducted action to be initiated, unless extraordinary circumstances indicating a risk to consumers require immediate action.(2) If the commissioner has information that more than one insurer is engaged in common practices that may violate statute or regulations, he or she may schedule and coordinate multiple examinations simultaneously.(c) The insurer shall be given an opportunity to resolve such matters that arise as a result of market analysis to the satisfaction of the commissioner before any additional market conduct actions are taken against the insurer. If the insurer has modified such practice or procedure as a result of a market conduct action taken by the commissioner of another state, the commissioner shall accept appropriate documentation that the insurer has satisfactorily modified the practice or procedure and made similar modification to such practice or procedure in this state. The commissioner may require other or additional practice or procedure modifications as are necessary to achieve compliance with specific state laws or regulations, which differ substantially from those of the state conducted examination.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-9 - Market conduct surveillance personnel.

§ 27-71-9. Market conduct surveillance personnel.(a) Market conduct surveillance personnel shall be qualified by education, experience and, where applicable, professional designations. The commissioner may supplement the in-house market conduct surveillance staff with qualified outside professional assistance if he or she determines that such assistance is necessary.(b) Market conduct surveillance personnel have a conflict of interest, either directly or indirectly, if they are affiliated with the management, have been employed by, or own a pecuniary interest in the insurer subject to any examination under this chapter within the most recent five (5) years prior to the use of the personnel. This section shall not be construed to automatically preclude an individual from being:(1) A policyholder or claimant under an insurance policy;(2) A grantee 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;(3) An investment owner in shares of regulated diversified investment companies; or(4) A settlor or beneficiary of a "blind trust" into which any otherwise permissible holdings have been placed.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-10 - Immunity for market conduct surveillance personnel.

§ 27-71-10. Immunity for market conduct surveillance personnel.(a) No cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioner's authorized representatives or an examiner appointed by the commissioner for any statements made or conduct performed in good faith while carrying out the provisions of this chapter.(b) No cause of action shall arise, nor shall any liability be imposed against any person for the act of communicating or delivering information or data to the commissioner or the commissioner's authorized representative or examiner pursuant to an examination made under this chapter, if the act of communication or delivery was performed in good faith and without fraudulent intent or the intent to deceive.(c) A person identified in subsection(a) shall be entitled to an award of attorneys' fees and costs if he or she is the prevailing party in a civil cause of action for libel, slander or any other relevant tort arising out of activities in carrying out the provisions of this chapter and the party bringing the action was not substantially justified in doing so. For purposes of this section a proceeding is "substantially justified" if it had a reasonable basis in law or fact at the time that it was initiated.(d) This section does not abrogate or modify in any way any common law or statutory privilege or immunity heretofore enjoyed by any person identified in subsection (a).History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-11 - Fines and penalties.

§ 27-71-11. Fines and penalties.(a) Fines and penalties levied pursuant to this chapter or other provisions of the general laws shall be consistent, reasonable and justified.(b) The commissioner shall take into consideration actions taken by insurers that maintain membership in best-practice organizations that exist to promote high ethical standards of conduct in the marketplace, and insurers that self-assess, self-report and remediate problems detected to mitigate fines levied pursuant to this chapter.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-12 - Data collection and participation in national market conduct databases.

§ 27-71-12. Data collection and participation in national market conduct databases.The commissioner shall collect and report market data to the NAIC's market information systems, including the complaint database system, the examination tracking system, and the regulatory information retrieval system, or other comparable successor NAIC products as determined by the commissioner. In addition to complaint data, the accuracy of insurer-specific information reported to the NAIC to be used for market analysis purposes or as the basis for market conduct actions shall be reviewed be appropriate personnel in the department of business regulation and by the insurer.(a) Information collected and maintained by the department of business regulation shall be compiled in a manner that meets the requirements of the NAIC.(b) After completion of any level of market analysis, prior to further market conduct action, the state shall contact the insurer to review the analysis.(c) (1) A company responding to a commissioner's request to produce information shall produce it as it is kept in the usual course of business or shall organize and label it to correspond with the categories in the demand.(2) If a commissioner's request does not specify the form or forms for producing electronically stored information, a company responding to the request must produce the information in a form or forms in which the company ordinarily maintains it or in a form or forms that are reasonably usable.(3) A company responding to an information request need not produce the same electronically stored information in more than one form.(d) Whether through market analysis, market conduct action, or in response to another regulatory request, any information provided in response to a data call from the commissioner shall be treated as confidential and privileged. It shall not be subject to subpoena and shall not be subject to discovery or admissible in evidence in any private civil action. No waiver of privilege or confidentiality shall occur as a result of responding to such data call.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-13 - Coordination with other states through the NAIC.

§ 27-71-13. Coordination with other states through the NAIC.The commissioner shall share information and coordinate the department of business regulation's market analysis and examination efforts with other states through the NAIC.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-14 - Additional duties of the commissioner.

§ 27-71-14. Additional duties of the commissioner.(a) At least once per year, or more frequently if deemed necessary, the commissioner shall make available in an appropriate manner to insurers and other entities subject to the scope of this chapter information on new laws and regulations, and other information the commissioner deems pertinent to ensure compliance with market conduct requirements. The failure of the commissioner to provide information shall not be a defense for an insurer that fails to comply with any insurance laws of this state.(b) Insurers who wish to receive the information indicated in (a) above shall provide to the commissioner, in a form specified by the commissioner, contact information. The insurer is responsible for keeping that contact information up to date and informing the commissioner of any changes.(c) The commissioner shall designate a specific person or persons whose responsibilities shall include the receipt of information from employees of insurers and licensed entities concerning violations of laws, rules or regulations by employers, as defined in this section. Such person or persons shall be provided with proper training on the handling of such information, which shall be deemed a confidential communication for the purposes of this section.(d) For any change made by the commissioner to procedures, guidelines, handbooks or other work products of the NAIC referenced in this chapter, which materially changes the way in which market analysis, market conducted actions, or market conduct examinations are conducted, the commissioner shall give notice and provide parties with an opportunity for a public hearing pursuant to the Administrative Procedures Act, chapter 42-35.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-71-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-71 - Market Conduct Surveillance Act|Section 27-71-15 - Cost of market analysis and examination.

§ 27-71-15. Cost of market analysis and examination.(a) The total cost of market analysis and examinations performed pursuant to this chapter shall be borne by the companies analyzed and/or examined, including the total cost of all persons contracted by the commissioner pursuant to this chapter to supplement in-house staff, in accordance with the provisions of subdivision 27-13.1-7(a)(1) or in subsection 27-13.1-4(d) as applicable.(b) The commissioner shall maintain active management and oversight of examination costs and fees, including costs and fees associated with the use of department personnel and examiners and with retaining qualified contract examiners necessary to perform an examination. To the extent the commissioner retains outside assistance, the commissioner must have in writing protocols that:(1) Clearly identify the types of functions to be subject to outsourcing;(2) Provide specific timelines for completion of the outsourced review;(3) Require disclosure of contract examiners' recommendations;(4) Establish and utilize a dispute resolution or arbitration mechanism to resolve conflicts with insurers regarding examination costs and fees; and(5) Require disclosure of the terms of the contracts with the outside consultants that will be used specifically the costs and fees and/or hourly rates that can be charged.(c) The commissioner shall review and affirmatively endorse detailed billings from the qualified contract examiner before summary billings are sent to the insurer.(d) The commissioner may contract for such qualified contract examiners as the commissioner deems necessary, provided that the compensation and per diem allowances paid to such contract persons shall not exceed one hundred twenty-five percent (125%) of the compensation and per diem allowances for examiners set forth in the guidelines adopted by the National Association of Insurance Commissioners, unless the commissioner demonstrates that one hundred twenty-five percent (125%) is inadequate under the circumstances of the examination. The commissioners may make an exception to this requirement for compensation paid to contracted persons with unique expertise, however, such compensation shall be reasonable and based on market conditions.History of Section.P.L. 2008, ch. 72, § 1; P.L. 2008, ch. 233, § 1.
RI Gen L § 27-72-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-72 - Life Settlements Act|Section 27-72-1 - Title.

§ 27-72-1. Title.This chapter may be cited and shall be known as the "Life Settlements Act."History of Section.P.L. 2009, ch. 195, § 1; P.L. 2009, ch. 262, § 1.
RI Gen L § 27-72-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-72 - Life Settlements Act|Section 27-72-4 - License suspension, revocation or refusal to renew.

§ 27-72-4. License suspension, revocation or refusal to renew.(a) The commissioner may suspend, revoke or refuse to renew the license of any licensee if the commissioner finds that:(1) There was any material misrepresentation in the application for the license;(2) The licensee or any officer, partner, member or director has been guilty of fraudulent or dishonest practices, is subject to a final administrative action or is otherwise shown to be untrustworthy or incompetent to act as a licensee;(3) The provider demonstrates a pattern of unreasonably withholding payments to policy owners;(4) The licensee no longer meets the requirements for initial licensure;(5) The licensee or any officer, partner, member or director has been convicted of a felony, or of any misdemeanor of which criminal fraud is an element; or the licensee has pleaded guilty or nolo contendere with respect to any felony or any misdemeanor of which criminal fraud is an element, regardless whether a judgment of conviction has been entered by the court;(6) The provider has entered into any life settlement contract using a form that has been approved pursuant to this chapter;(7) The provider has failed to honor contractual obligations set out in a life settlement contract;(8) The provider has assigned, transferred or pledged a settled policy to a person other than a provider licensed in this state, a purchaser, an accredited investor or qualified institutional buyer as defined respectively in Regulation D, Rule 501 or Rule 144A of the Federal Securities Act of 1933, as amended, financing entity, special purpose entity, or related provider trust; or(9) The licensee or any officer, partner, member or key management personnel has violated any of the provisions of this chapter.(b) Before the commissioner denies a license application or suspends, revokes or refuses to renew the license of any licensee under this chapter, the commissioner shall conduct a hearing in accordance with this state's laws governing administrative hearings.History of Section.P.L. 2009, ch. 195, § 1; P.L. 2009, ch. 262, § 1; P.L. 2021, ch. 400, § 24, effective July 13, 2021; P.L. 2021, ch. 401, § 24, effective July 13, 2021.