reglab/housing_qa huggingface dataset:
MD. Health - General Code Ann. §  11-101 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-101 - "Article" Defined; Inapplicability of Definitions

    (a)    In the Compact set forth in this title, “article” means an article of the Compact.    (b)    The definitions in § 1-101 of this article do not apply to the Compact set forth in this title.
MD. Health - General Code Ann. §  11-102 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-102 - Compact Enacted Into Law and Entered Into

    The Interstate Compact on Mental Health is enacted into law and entered into with all other states joining in it in the form substantially as it appears in § 11-103 of this title.
MD. Health - General Code Ann. §  11-104 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-104 - Compact Administrator; Duties

    (a)    The Secretary or a designee of the Secretary is this State’s Compact Administrator of the Interstate Compact on Mental Health.    (b)    Acting jointly with compact administrators in other party states, the Compact Administrator may adopt rules and regulations to carry out the terms of the Compact effectively.    (c)    To facilitate the proper administration of the Compact and of any supplementary agreement entered into by this State under the Compact, the Compact Administrator shall cooperate with all agencies or officers of this State and its subdivisions.
MD. Health - General Code Ann. §  11-105 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-105 - Supplementary Agreements With Other States

    (a)    The Compact Administrator may enter into supplementary agreements with appropriate officials of other states under Articles VII and XI of the Interstate Compact on Mental Health.    (b)    If a supplementary agreement requires or contemplates the use of any institution or facility of this State or the provision of any service by this State, the agreement is not effective until approved by the head of the agency under whose jurisdiction the institution or facility is operated or whose agency will be charged with providing the service.
MD. Health - General Code Ann. §  11-106 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-106 - Discharge of Financial Obligations

    The Compact Administrator may make or arrange for any payment necessary to discharge a financial obligation that is imposed on this State by the Interstate Compact on Mental Health or by any supplementary agreement entered into under the Compact.
MD. Health - General Code Ann. §  11-107 (2021)
2021 Maryland Statutes|Health - General|Title 11 - Interstate Compact on Mental Health|Section 11-107 - Consultation With Family

    The Compact Administrator shall consult with the immediate family of any proposed transferee.
MD. Insurance Code Ann. §  13-101 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-101 - Definitions

    (a)    In this title the following words have the meanings indicated.    (b)    “Credit health insurance” means insurance on a debtor that provides indemnity for payments that are due on a specific loan or other credit transaction while the debtor is disabled as defined by the policy.    (c)    “Credit involuntary unemployment benefit insurance” means insurance on a debtor that provides indemnity for payments that are due on a specific loan or other credit transaction while the debtor is involuntarily unemployed as defined by the policy.    (d)    “Credit life insurance” means insurance on the life of a debtor in connection with a specific loan or other credit transaction.    (e)    “Creditor” means:        (1)    a lender of money or vendor or lessor of goods, services, or property rights or privileges for which payment is arranged through a credit transaction;        (2)    a successor to the right, title, or interest of the lender, vendor, or lessor;        (3)    an affiliate, associate, subsidiary, director, officer, or employee of the lender, vendor, or lessor; or        (4)    any other person in any way associated with the lender, vendor, or lessor.    (f)    (1)    “Debtor” means a borrower of money or purchaser or lessee of goods, services, or property rights or privileges for which payment is arranged through a credit transaction.        (2)    “Debtor” includes the husband or wife or both, as specified in the certificate of insurance, if the husband and wife are jointly liable under a contract of indebtedness.    (g)    “Indebtedness” means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.
MD. Insurance Code Ann. §  13-102 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-102 - Purpose and Construction of Title

    (a)    The purpose of this title is to promote the public welfare by regulating credit life insurance, credit health insurance, and credit involuntary unemployment benefit insurance.    (b)    This title is not intended to prohibit or discourage reasonable competition.    (c)    This title shall be construed liberally.
MD. Insurance Code Ann. §  13-103 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-103 - Scope of Title

    (a)    Except as provided in subsection (b) of this section, all credit life insurance, all credit health insurance, and all credit involuntary unemployment benefit insurance are subject to this title.    (b)    This title does not apply to insurance if:        (1)    the insurance is in connection with a loan or other credit transaction for which premiums are payable for more than 10 years; or        (2)    the issuance of the insurance is an isolated transaction by an insurer that is not related to an agreement or plan for insuring debtors of the creditor.
MD. Insurance Code Ann. §  13-104 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-104 - Issuance of Policies

    Each policy of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance shall be:         (1)    delivered or issued for delivery in the State only by an authorized insurer; and        (2)    issued only through a holder of a license, certificate of authority, or certificate of qualification issued by the Commissioner.
MD. Insurance Code Ann. §  13-105 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-105 - Forms of Insurance

    Credit life insurance, credit health insurance, and credit involuntary unemployment benefit insurance shall be issued only in the following forms:         (1)    an individual policy of life insurance issued to a debtor on a term plan;        (2)    an individual policy of health insurance issued to a debtor on a term plan;        (3)    a disability benefit provision in an individual policy of credit life insurance;        (4)    an individual policy of involuntary unemployment benefit insurance issued to a debtor on a term plan;        (5)    a group policy of life insurance issued to a creditor that provides insurance on the lives of debtors on the term plan;        (6)    a group policy of health insurance issued to a creditor on a term plan that insures debtors;        (7)    a disability benefit provision in a group policy of credit life insurance; or        (8)    a group policy of involuntary unemployment benefit insurance issued to a creditor on a term plan that insures debtors.
MD. Insurance Code Ann. §  13-106 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-106 - Amounts of Insurance

    (a)    (1)    The initial amount of credit life insurance may not exceed the total amount repayable under the contract of indebtedness.        (2)    Notwithstanding any other provision of this title, insurance on an agricultural credit transaction commitment not exceeding a term of 1 year may be written up to the amount of the loan commitment on a nondecreasing or level term plan.        (3)    Notwithstanding any other provision of the Code, insurance on an educational credit transaction commitment may be written for the amount of that part of the commitment that has not been advanced by the creditor.    (b)    (1)    The total amount of periodic indemnity payable by credit health insurance in the event of disability may not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness.        (2)    The amount of each periodic indemnity payment under a policy of credit health insurance may not exceed the original indebtedness divided by the number of periodic installments.
MD. Insurance Code Ann. §  13-107 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-107 - Term of Insurance

    (a)    (1)    Except as provided in paragraph (2) of this subsection, the term of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance subject to acceptance by the insurer, begins on the date that the debtor becomes obligated to the creditor.        (2)    If a group policy provides coverage for an existing obligation, the credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance begins on the effective date of the group policy.    (b)    If an insurer requires evidence of insurability and the evidence is provided more than 30 days after the debtor becomes obligated to the creditor:        (1)    the term of the credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance may begin on the date that the insurer determines that the evidence is satisfactory; and        (2)    the insurer shall refund or adjust any charge to the debtor for insurance as appropriate.    (c)    (1)    The term of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance may not extend more than 15 days after the scheduled maturity date of the indebtedness, unless the term is extended without additional cost to the debtor.        (2)    If the indebtedness is discharged before its scheduled maturity date due to renewal or refinancing, the insurer shall terminate the credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance in force before issuance of any new credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance for the renewed or refinanced indebtedness.        (3)    The insurer shall pay or credit a refund as provided in § 13-112 of this title in all cases of termination of the insurance before the scheduled maturity date of the indebtedness.
MD. Insurance Code Ann. §  13-108 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-108 - Individual Policies and Group Certificates

    (a)    Credit life insurance, credit health insurance, and credit involuntary unemployment benefit insurance shall be evidenced by an individual policy or, in the case of group insurance, a group certificate of insurance.    (b)    In addition to other requirements of law, each individual policy or group certificate of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance shall include:        (1)    the name and home office address of the insurer;        (2)    the name of the insured debtor under an individual policy, or the name or other identification of the insured debtor under a group certificate;        (3)    the premium or amount of payment, if any, paid by the debtor shown separately for credit life insurance, credit health insurance, and credit involuntary unemployment benefit insurance;        (4)    a description of the coverage, including the amount and term of the coverage and any exceptions, limitations, or restrictions; and        (5)    a statement that the benefits shall be paid to the creditor to reduce or extinguish the unpaid indebtedness and, if the amount of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance exceeds the unpaid indebtedness, the excess shall be payable to a beneficiary, other than the creditor, named by the debtor or to the estate of the debtor.
MD. Insurance Code Ann. §  13-109 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-109 - Delivery of Policy or Certificate to Debtor

    (a)    Except as otherwise provided in this section, the individual policy or group certificate of credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance shall be delivered to the insured debtor when the indebtedness is incurred.    (b)    (1)    If the individual policy or group certificate is not delivered to the debtor when the indebtedness is incurred, a copy of the application for the policy or a notice of proposed insurance shall be delivered to the debtor when the indebtedness is incurred.        (2)    The application for the policy or notice of proposed insurance shall:            (i)    be signed by the debtor;            (ii)    include:                1.    the name and home office address of the insurer;                2.    the name of the insured debtor;                3.    the premium or amount of payment, if any, paid by the debtor shown separately for credit life insurance, credit health insurance, and credit involuntary unemployment benefit insurance;                4.    a brief description of the coverage, including the amount and term of the coverage; and                5.    a statement that the proposed insurance becomes effective under § 13-107 of this title on acceptance by the insurer;            (iii)    refer exclusively to insurance coverage; and            (iv)    be separate from the loan, sale, or other credit statement of account, instrument, or agreement, unless that document sets forth prominently the information required by this paragraph.        (3)    If the insurer accepts the insurance, within 30 days after the date the indebtedness is incurred, the insurer shall cause the individual policy or group certificate to be delivered to the debtor.    (c)    If the named insurer does not accept the risk:        (1)    the debtor shall receive an individual policy or group certificate that sets forth the name and home office address of the substituted insurer, if any, and the amount of the premium to be charged; and        (2)    an appropriate refund shall be made if the amount of the premium charged by the substituted insurer is less than the premium set forth in the notice of proposed insurance.
MD. Insurance Code Ann. §  13-112 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-112 - Refunds

    (a)    (1)    Subject to paragraph (3) of this subsection, each individual policy or group certificate shall provide that any refund of the amount paid by the debtor for credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance will be paid or credited promptly to the person entitled to it if the insurance is terminated before the scheduled maturity date of the indebtedness.        (2)    The formula to be used in computing a refund shall be filed with and approved by the Commissioner.        (3)    The Commissioner shall establish a minimum refund, below which an insurer need not make a refund.    (b)    If a creditor requires a debtor to make a payment for credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance and an individual policy or group certificate is not issued, the creditor immediately shall give written notice to the debtor and promptly shall make an appropriate credit to the debtor’s account.
MD. Insurance Code Ann. §  13-113 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-113 - Claims

    (a)    (1)    A claimant shall report a claim promptly to the insurer or its designated claim representative.        (2)    The insurer shall maintain adequate claim files.        (3)    The insurer shall settle a claim as soon as possible and in accordance with the terms of the insurance contract.    (b)    The insurer shall pay a claim by a draft drawn on the insurer or by a check of the insurer to the order of:        (1)    the claimant to whom payment of the claim is due under the policy; or        (2)    a person to whom the claimant directs payment be made.    (c)    (1)    A plan or arrangement may not be used if it authorizes a person other than the insurer or its designated claim representative to settle or adjust claims.        (2)    The creditor may not be designated as the claim representative of the insurer to adjust a claim.        (3)    Notwithstanding paragraph (2) of this subsection, by arrangement with the group insurer, a group policyholder may draw a draft or check in payment of a claim due to the group policyholder subject to audit and review by the group insurer.
MD. Insurance Code Ann. §  13-114 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-114 - Option of Debtor to Provide Insurance

    (a)    (1)    If a creditor requires credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance as additional security for an indebtedness, the debtor may:            (i)    provide the required coverage through existing policies that the debtor owns or controls; or            (ii)    procure and provide the required coverage through any authorized insurer.        (2)    At any time during the credit transaction by giving notice to the creditor, the debtor may choose to provide the required coverage.    (b)    (1)    On consummation of a credit transaction in which a creditor requires as additional security for an indebtedness, and a debtor agrees to buy, credit life insurance, credit health insurance, or credit involuntary unemployment benefit insurance, the creditor shall notify the debtor in writing of the option referred to in subsection (a) of this section.        (2)    The debtor shall acknowledge in writing that the debtor has received notice under paragraph (1) of this subsection.
MD. Insurance Code Ann. §  13-115 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-115 - Insurance of Husband and Wife

    A creditor may not require that both a husband and wife be insured unless the debtor expressly authorizes that coverage in writing.
MD. Insurance Code Ann. §  13-116 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-116 - Fronting Agreements

    (a)    An authorized insurer that issues coverage under this title may not engage in fronting agreements with unauthorized insurers with respect to any insurance written or issued in the State under which the authorized insurer by reinsurance or otherwise transfers to one or more unauthorized insurers:        (1)    substantially the entire risk of loss under substantially all of the insurance written by the authorized insurer in the State;        (2)    all of a kind, line, type, or class of insurance;        (3)    all of the business produced through an insurance producer or agency;        (4)    all of the business in a designated geographical area; or        (5)    all of the business written on a policy form.    (b)    (1)    This section does not apply to an unauthorized insurer if the unauthorized insurer:            (i)    files an annual statement with the Commissioner in accordance with § 4-116 of this article;            (ii)    maintains reserves on its life insurance and health insurance business in accordance with § 5-203 and Title 5, Subtitle 3 of this article;            (iii)    meets the requirements of Title 5, Subtitles 1 through 5 of this article with regard to the valuation of its assets and liabilities;            (iv)    allows examination by the Commissioner in accordance with §§ 2-205 through 2-209 of this article; and            (v)    has maintained on its behalf security on deposit with the Commissioner equal to the amount by which the capital and surplus required of an authorized insurer under §§ 4-104 and 4-105 of this article exceeds the actual capital and surplus of the unauthorized insurer.        (2)    The security required under paragraph (1)(v) of this subsection may consist of:            (i)    cash;            (ii)    an irrevocable letter of credit issued by a bank domiciled in the State that may be terminated only after 30 days’ written notice by certified mail to the Commissioner;            (iii)    obligations, valued at the lower of market value or par value, that are general obligations of, or obligations guaranteed by, the federal government, the State, or a political subdivision of the State; or            (iv)    any other type of security that would be acceptable to the Commissioner if posted by a domestic insurer or foreign insurer.
MD. Insurance Code Ann. §  13-117 (2021)
2021 Maryland Statutes|Insurance|Title 13 - Credit Life, Health, and Involuntary Unemployment Benefit Insurance|Section 13-117 - Enforcement of Title

    (a)    After notice and hearing, the Commissioner may adopt regulations to carry out this title.    (b)    If the Commissioner finds that an insurer or other person authorized or licensed by the Commissioner has violated this title or a regulation adopted under this title, then after written notice and a hearing, the Commissioner shall:        (1)    set forth the details of the findings; and        (2)    issue an order for compliance by a specified date.    (c)    An order issued under subsection (b) of this section binds the insurer or other person authorized or licensed by the Commissioner on the date specified unless:        (1)    the Commissioner withdraws the order before the specified date; or        (2)    a court of competent jurisdiction orders a stay of the order of the Commissioner.    (d)    (1)    A party to a proceeding under this title that is aggrieved by an order of the Commissioner is entitled to judicial review in accordance with § 2-215 of this article.        (2)    The filing of an appeal from the withdrawal of approval of a form or rate previously in use operates as a stay, unless the court determines otherwise.    (e)    In addition to any other penalty provided by law, on proof satisfactory to the court, the court may impose on an insurer or other person that violates a final order of the Commissioner while the order is in effect a civil penalty not exceeding $250, or if the violation is willful, a civil penalty not exceeding $1,000.    (f)    (1)    After notice and a hearing, the Commissioner may suspend or revoke the license, certificate of authority, or certificate of qualification of an insurer or other person that violates a final order of the Commissioner.        (2)    The order for suspension or revocation is subject to judicial review in accordance with § 2-215 of this article.