reglab/housing_qa huggingface dataset:
CA Ins Code § 12414.19 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.7 - Hearings, Procedure, and Judicial Review|Section 12414.19.

12414.19.  Any finding, determination, rule, ruling, or order made by the commissioner under Article 5.5 (commencing with Section 12401), Article 5.7 (commencing with Section 12402), Article 6.7 (commencing with Section 12414.13), and Article 6.9 (commencing with Section 12414.20) of this chapter shall be subject to review by the courts of the state and proceedings on review shall be in accordance with the provisions of the Code of Civil Procedure. In such proceedings on review, the court is authorized and directed to exercise its independent judgment on the evidence and unless the weight of the evidence supports the findings, determination, rule, ruling, or order of the commissioner, the same shall be annulled.Notwithstanding any other provision of law to the contrary, a petition for review of any such finding, determination, rule or order, may be filed at any time before the effective date thereof. No such finding, determination, rule, or order shall become effective before the expiration of 20 days after notice and a copy thereof are mailed or delivered to the person or entity affected, and any finding, determination, rule, or order of the commissioner so submitted for review shall not become effective for a further period of 15 days after the petition for review is filed with the court. The court may stay the effectiveness thereof for a longer period.(Amended by Stats. 1974, Ch. 436.)
CA Ins Code § 12414.20 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.20.

12414.20.  The commissioner may, as often as may be reasonable and necessary, make or cause to be made an examination of any advisory organization for the business of title insurance in this state.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.21 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.21.

12414.21.  The commissioner may, pursuant to reasonable rules and regulations which he shall prescribe, make or cause to be made an examination of every title insurer, underwritten title company or controlled escrow company engaged in the business of title insurance to ascertain whether such person or entity and every rate and rating system used in the business of title insurance complies with the requirements and standards of Article 5.5 (commencing with Section 12401) of this chapter. Such examination shall not be a part of a periodic general examination participated in by a representative of more than one state.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.22 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.22.

12414.22.  The officers, managers, agents, and employees of any advisory organization, title insurer, underwritten title company, or controlled escrow company may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing their method of operation, together with all data, statistics, and information of every kind and character collected or considered by such persons or entities in the conduct of the operations to which such examination relates.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.23 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.23.

12414.23.  The reasonable cost of any examination authorized by this article shall be paid by the advisory organization, title insurer, underwritten title company, or controlled escrow company to be examined. A copy of any written report which is prepared as a result of a full balance sheet financial examination conducted pursuant to Section 12389, shall be provided to the entity examined within 30 days following the production of the report.In the event any examination or review of financial statements has resulted in a requirement of, or directive to, the entity to make changes in its conduct or the business of title insurance, those requirements or directives shall be in writing, and provided to the entity.(Amended by Stats. 1990, Ch. 370, Sec. 1.)
CA Ins Code § 12414.24 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.24.

12414.24.  No person, title insurer, underwritten title company, controlled escrow company, or advisory organization shall willfully withhold information from, or knowingly give false or misleading information to, the commissioner or to any advisory organization which will affect rates for the business of title insurance to which the provisions of this chapter are applicable.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.25 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.25.

12414.25.  (a) Any person, title insurer, underwritten title company, or controlled escrow company who fails to comply with a final order of the commissioner under this chapter shall be liable to the state in an amount not exceeding one hundred dollars ($100), but if that failure is willful he, she, or it shall be liable to the state in an amount not exceeding five thousand dollars ($5,000) for that failure. The commissioner shall collect the amount so payable and may bring an action in the name of the people of the State of California to enforce collection. Those penalties may be in addition to any other penalties provided by law.(b) (1) A willful violation of the provisions of this chapter is a misdemeanor.(2) This subdivision is not applicable to Section 12389.7.(Amended by Stats. 2013, Ch. 321, Sec. 27. (AB 1391) Effective January 1, 2014.)
CA Ins Code § 12414.26 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.26.

12414.26.  No act done, action taken, or agreement made pursuant to the authority conferred by Article 5.5 (commencing with Section 12401) or Article 5.7 (commencing with Section 12402) of this chapter shall constitute a violation of or grounds for prosecution or civil proceedings under any other law of this state heretofore or hereafter enacted which does not specifically refer to insurance.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.27 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.27.

12414.27.  Commencing 120 days following January 1, 1974, no title insurer, underwritten title company or controlled escrow company shall charge for any title policy or service in connection with the business of title insurance, except in accordance with rate filings which have become effective pursuant to Article 5.5 (commencing with Section 12401) of this chapter or as otherwise authorized by such article; provided, however, where a rate is on file with the commissioner and in effect immediately prior to such date, such rate shall continue in effect until a new rate filing is thereafter made and becomes effective in the manner provided in Article 5.5 (commencing with Section 12401) of this chapter.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.28 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.28.

12414.28.  All title policies issued by title insurers shall be subscribed by the president or a vice president and by the secretary or an assistant secretary of the corporation. All such title policies are as binding and obligatory upon the corporation as if executed over the corporate seal. The signatures of such officers, or any one of them, may be in their own handwriting or engraved, lithographed, printed, stamped, or otherwise affixed to such title policies. Any title policy so signed shall be presumed to be duly subscribed, and if the title policy provides for an additional signature and such signature appears thereon a like presumption shall apply.(Added by Stats. 1973, Ch. 1130.)
CA Ins Code § 12414.29 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.29.

12414.29.  The administration and enforcement of Article 5.5 (commencing with Section 12401) and Article 5.7 (commencing with Section 12402) of this chapter shall be governed solely by the provisions of this chapter. Except as provided in this chapter, no other law relating to insurance and no other provisions in this code heretofore or hereafter enacted shall apply to or be construed as supplementing or modifying the provisions of such articles unless such other law or other provision expressly so provides and specifically refers to the sections of such articles which it intends to supplement or modify. The provisions of this chapter and regulations adopted pursuant thereto shall constitute the exclusive regulation of the conduct of escrow and title transactions by entities engaged in the business of title insurance as defined in Section 12340.3, notwithstanding any local regulation or ordinance.(Amended by Stats. 1981, Ch. 479, Sec. 5.)
CA Ins Code § 12414.30 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 6.9 - Examinations, Penalties and Miscellaneous|Section 12414.30.

12414.30.  (a) When constituting an offer to issue an owner’s policy of title insurance, a preliminary report shall incorporate the following statement, in bold print on front of the preliminary report: “Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit A of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered.It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land.” (b) Upon request, a title insurance company may provide coverage against loss or damage under the terms, conditions, and stipulations of the title insurance policy for any monetary lien set forth in the preliminary report.(c) This section does not modify any of the provisions of Section 12340.11.(Added by Stats. 1994, Ch. 1125, Sec. 1. Effective January 1, 1995.)
CA Ins Code § 12415 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 7 - Annual Renewal Fees|Section 12415.

12415.  It is the intent of the Legislature that certificated title insurers and licensed underwritten title companies, as defined in Section 12340.5 shall pay to the commissioner an annual renewal fee, as provided in Section 12416, in addition to that provided as to title insurers by Section 705 to cover the costs to the commissioner for administering and enforcing Article 3.7 (commencing with Section 12389), Article 5.5 (commencing with Section 12401), and Article 6 (commencing with Section 12404) of Chapter 1, Part 6, Division 2 of this code and other provisions of this code as may be subsequently incorporated by reference in this article by legislative enactment. Such fee shall be in lieu of all fees provided for in Article 6 (commencing with Section 12404) of Chapter 1, Part 6, Division 2.(Amended by Stats. 1973, Ch. 1130.)
CA Ins Code § 12416 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 7 - Annual Renewal Fees|Section 12416.

12416.  Each certificated title insurer possessing a certificate of authority of indefinite term pursuant to Section 701 shall owe and pay an annual renewal fee of nine hundred eighty-eight dollars ($988). Each underwritten title company possessing a license of indefinite term pursuant to Section 12389 shall owe and pay an annual renewal fee of five hundred sixty-seven dollars ($567), except that: (a) when the aggregate number of documents recorded and documents filed in the offices of the county recorders in the preceding calendar year in all counties where the company is licensed to transact business is less than 50,000, that company shall owe and pay an annual renewal fee of two hundred eighty-three dollars ($283), or (b) when the aggregate number of documents recorded and documents filed in the offices of the county recorders in the preceding calendar year in all counties where the company is licensed to transact business is more than 50,000 but less than 100,000, that company shall owe and pay an annual renewal fee of three hundred sixty dollars ($360). Those fees shall be for annual periods commencing on July 1 of each year and ending on June 30 of each year, and shall be due on March 1 preceding the annual period for which those fees are charged, and shall be delinquent on and after April 1 next following the date when due.(Amended by Stats. 2017, Ch. 534, Sec. 80. (AB 1699) Effective January 1, 2018.)
CA Ins Code § 12417 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 7 - Annual Renewal Fees|Section 12417.

12417.  The annual renewal fee provided by this article is not a tax but a charge for services to be rendered.(Added by Stats. 1967, Ch. 1415.)
CA Ins Code § 12418 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 8 - Title Insurance Representatives|Section 12418.

12418.  (a) No person shall be employed as a title marketing representative in this state unless the person holds a valid “certificate of registration” as a title marketing representative issued by the commissioner pursuant to Section 12418.1.(b) For purposes of this article, “title marketing representative” means a natural person employed by a title insurer, underwritten title company, or controlled escrow company whose primary duty is to market, offer, solicit, negotiate, or sell title insurance, as defined in Section 12340.1. A title marketing representative does not include a person whose primary duties directly involve the creation, production, or issuance of the title policy or the performance of escrow services.(c) If any person knowingly markets title insurance without having applied for or obtained a certificate of registration pursuant to Section 12418.1, the commissioner may issue a cease and desist order pursuant to Section 12921.8.(Added by Stats. 2008, Ch. 280, Sec. 2. Effective January 1, 2009.)
CA Ins Code § 12418.2 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 8 - Title Insurance Representatives|Section 12418.2.

12418.2.  (a) An applicant or holder of a certificate of registration as a title marketing representative is not required to pass a qualifying examination, and is exempt from prelicensing and continuing education requirements, except as specified in paragraph (2) of subdivision (b) of Section 12418.1.(b) Upon the filing of an application for the issuance or renewal of a certificate of registration, the commissioner may conduct an investigation, during the interim period set forth in subdivision (e) of Section 12418.1, to determine if the applicant shall be granted the certificate of registration by virtue of prior conduct in the marketing of policies of title insurance and to verify the accuracy of the information submitted by the applicant to the department and may require the filing of any supplementary documents, affidavits, and statements that may be necessary to determine whether training specified in paragraph (2) of subdivision (b) of Section 12418.1 has been, or will be, provided to the applicant within the time period set forth in Section 12418.1. Should the commissioner decline to approve the granting of a certificate of registration, the procedure set forth in subdivision (c) of Section 12418.4 shall apply.(Added by Stats. 2008, Ch. 280, Sec. 2. Effective January 1, 2009.)
CA Ins Code § 12418.3 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 8 - Title Insurance Representatives|Section 12418.3.

12418.3.  (a) Each certificate of registration issued under this article shall be for a three-year period beginning on the date the certificate is issued.(b) Not less than 60 days before a certificate of registration will expire, the commissioner may mail or use an electronic delivery method, including email or other similar electronic method, to deliver an application to renew the certificate to the latest email or mailing address appearing on the registrant’s records. It shall be the responsibility of the registrant to renew his or her certificate, whether or not a renewal notice is received.(c) The application for renewal of an expired certificate of registration may be filed after the expiration date and until the same month and day of the next succeeding year. In addition to the fee for a renewal application, a delinquent application fee in the amount of fifty-eight dollars ($58) shall be assessed for each application for renewal filed after the expiration date. Each registrant shall be subject to payment of delinquent application fees under this subdivision. The commissioner may waive the delinquent application fee, or accept a renewal filed after the date specified in this subdivision, if the registrant’s failure to comply is due to clerical or other inadvertent error on the part of the department.(Amended by Stats. 2017, Ch. 534, Sec. 82. (AB 1699) Effective January 1, 2018.)
CA Ins Code § 12418.4 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 1 - Title Insurance|ARTICLE 8 - Title Insurance Representatives|Section 12418.4.

12418.4.  (a) Sections 1667, 1668, 1669, 1670, 1729, 1729.2, 1738, 1738.5, 1743, and Article 6 (commencing with Section 12404), shall apply to all applicants or holders of a certificate of registration issued pursuant to this article.(b) The department may revoke, suspend, restrict, or decline to issue a certificate of registration if it determines that the title marketing representative or applicant has violated provisions of Article 6 (commencing with Section 12404) pursuant to the due process and hearing requirements set forth in subdivision (c).(c) Except as provided in Section 1669, a certificate of registration shall not be denied, restricted, suspended, or revoked without a hearing conducted in accordance with Chapter 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code.(d) In addition to, or in lieu of, any other penalty that may be imposed under this article against a title marketing representative, the commissioner may bring an administrative action against a title marketing representative for any violation of the provisions of Article 6 (commencing with Section 12404). If a title marketing representative charged with a violation of Article 6 (commencing with Section 12404) is determined by the commissioner to have committed the violation, the commissioner may require the surrender of, temporarily suspend or revoke either permanently or temporarily the title marketing representative’s certificate of registration, and, in addition, may impose a monetary penalty. Any payment of a monetary penalty pursuant to a settlement or final adjudication shall be made from the title marketing representative’s personal funds and not by his or her employer either directly or through the title marketing representative. This article shall not preclude an action against a company that had actual knowledge of the violation by the title marketing representative. A title marketing representative who is issued a certificate of registration under this article may not engage in any activity that is otherwise prohibited through a separate entity controlled by the title marketing representative or by the company or entity that employs him or her.(e) A title marketing representative who has his or her certificate of registration revoked by the department shall not be permitted to reapply for another certificate of registration with the department for five years from the date of revocation.(Amended by Stats. 2015, Ch. 348, Sec. 25. (AB 1515) Effective January 1, 2016.)
CA Ins Code § 12640.01 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 2A - Mortgage Guaranty Insurance|ARTICLE 1 - Definitions|Section 12640.01.

12640.01.  This chapter may be cited as the Mortgage Guaranty Insurance Act.(Added by Stats. 1961, Ch. 719.)
CA Ins Code § 12640.03 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 2A - Mortgage Guaranty Insurance|ARTICLE 2 - Capital, Surplus and Contingency Reserve Requirements|Section 12640.03.

12640.03.  An insurer shall not transact the business of mortgage guaranty insurance unless it has paid-in capital of at least one million dollars ($1,000,000) and paid-in surplus of at least one million dollars ($1,000,000).(Added by Stats. 1961, Ch. 719.)
CA Ins Code § 12640.06 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 2A - Mortgage Guaranty Insurance|ARTICLE 2 - Capital, Surplus and Contingency Reserve Requirements|Section 12640.06.

12640.06.  A mortgage guaranty insurer shall not declare any dividends except from undivided profits remaining on hand over and above the aggregate of its paid-in capital, paid-in surplus and contingency reserve.(Added by Stats. 1961, Ch. 719.)
CA Ins Code § 12640.07 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 6 - INSURANCE COVERING LAND|CHAPTER 2A - Mortgage Guaranty Insurance|ARTICLE 4 - Limitations and Restrictions for Transacting Business|Section 12640.07.

12640.07.  (a) Mortgage guaranty insurance may be transacted in this state only by a stock or mutual casualty insurer holding a certificate of authority for the transaction of the insurance pursuant to this chapter, and shall be written only to insure either of the following:(1) Loans secured by first liens on authorized real estate securities not exceeding, at the time the loan is made, 103 percent of the fair market value of the authorized real estate security, as defined in subparagraph (A) of paragraph (1) of subdivision (b) of Section 12640.02.(2) Loans secured by junior liens, as defined in subparagraph (B) of paragraph (1) of subdivision (b) of Section 12640.02.(b) Any reciprocal insurer engaging in this type of business shall be bound by all provisions of this chapter, including the requirements as to paid-in capital and paid-in surplus.(Amended by Stats. 2002, Ch. 429, Sec. 2. Effective January 1, 2003.)