reglab/housing_qa huggingface dataset:
DC Code § 31-5031.13 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.13. Duties of title insurers utilizing the services of title insurance producers

(a) The title insurer shall not accept business from a title insurance producer unless there is in force a written contract between the parties which sets forth the responsibilities of each party and, if both parties share responsibility for a particular function, specifies the division of responsibilities. (b) Repealed. (c) The title insurer shall, at least annually, conduct an on-site review, or a review conducted electronically that would accomplish the functional equivalent of the same, of the underwriting, claims, and escrow practices of the title insurance producer which shall include a review of the producer’s policy blank inventory and processing operations. If the title insurance producer does not maintain separate bank or trust accounts for each title insurer it represents, the title insurer shall verify that the funds held on its behalf are reasonably ascertainable from the books of account and records of the title insurance producer. (d) Within 30 days after executing or terminating a contract with a title insurance producer, the title insurer shall provide written notification of the appointment or termination and the reason for termination to the Commissioner. Notices of appointment of a title insurance producer shall be made on a form promulgated by the Commissioner. (e) A domestic title insurer shall not appoint to its board of directors an officer, director, employee, controlling shareholder, or any title insurance producer who wrote 1% or more of the title insurer’s direct premiums written during the previous calendar year as shown on the title insurer’s most recent annual statement on file with the Commissioner. This subsection shall not apply to relationships governed by Chapter 7 of this title [§ 31-701 et seq.]. (f) The title insurer shall maintain an inventory of all policy forms or policy numbers allocated to each title insurance producer. (g) The title insurer shall have on file proof that the title insurance producer is licensed in the District. (h) The title insurer shall establish the underwriting guidelines and, if applicable, limitations on title claims settlement authority to be incorporated into contracts with its title insurance producers.  (Sept. 24, 2010, D.C. Law 18-223, § 2154, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 5(f), 60 DCR 12304.)  Effect of Amendments The 2013 amendment by Law 20-40 repealed (b); and substituted “producer” for “agent” in (e). Emergency Legislation For temporary (90 day) addition, see § 2154 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.15 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.15. Prohibition of rebate and fee splitting

A title insurer or other person shall not give or receive, directly or indirectly, any consideration for the referral of title insurance business or escrow or other service provided by a title insurer.  (Sept. 24, 2010, D.C. Law 18-223, § 2156, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2156 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.16 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.16. Favored producer of title insurer; buyer’s right to choose

(a) A title insurer shall not participate in any transaction in which it knows that a title insurance producer or other person requires, directly or indirectly, or through any trustee, director, officer, producer, employee, or affiliate, as a condition precedent to selling or furnishing any other person a loan, or loan extension, credit, sale, property, contract, lease, or service, that the other person shall place a title insurance policy of any kind with the title insurer or through a particular title insurance producer. (b) No seller of property shall require, directly or indirectly, that the buyer purchase title insurance from any particular title producer or insurer.  (Sept. 24, 2010, D.C. Law 18-223, § 2157, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 5(g), 60 DCR 12304.)  Effect of Amendments The 2013 amendment by DC Law 20-40 designated the existing text as (a); substituted “producer” for “agent” throughout (a); and added (b). Emergency Legislation For temporary (90 day) addition, see § 2157 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.17 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.17. Premium rate filings and standards

(a) A title insurer or title insurance producer may charge any rates regulated by the District of Columbia after January 1, 2011; provided, that in accordance with the premium rate schedule and manual filed by the title insurer with and approved by the Commissioner in accordance with applicable law and rules governing rate filings. The Commissioner may provide, by rule, for interim use of premium rate schedules in effect prior to January 1, 2011. (b) The Commissioner may establish rules, including rules providing statistical plans, for use by all title insurers and title insurance producers in the recording and reporting of revenue, loss, and expense experience in such form and detail as is necessary to aid him or her in the establishment of rates and fees. (c) The Commissioner may require that the information provided under this section be verified by oath of the insurer’s or title insurance producer’s president or vice president or secretary or actuary, as applicable. The Commissioner may further require that the information required under this section be subject to an audit conducted by an independent certified public accountant. The Commissioner may establish a minimum threshold level at which an audit would be required. (d) Information filed with the Commissioner relating to the experience of a particular producer shall be kept confidential, subject to subchapter II of Chapter 5 of Title 2 [§ 2-531 et seq.].  (Sept. 24, 2010, D.C. Law 18-223, § 2158, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2158 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.18 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.18. Form filing

(a)(1) The Commissioner may require that all policy forms used by every company covering title risks in the District be filed with the Commissioner. The Commissioner shall have authority to disapprove, within 60 days after the date of the receipt of a filing, the use in the District of any policy form which is inequitable, or does not comply with District law. (2) If a policy form is not disapproved for use within the 60-day period described in paragraph (1) of this subsection, the Commissioner may not disapprove the form for use unless it does not comply with District law. (b) Forms covered by this section shall include: (1) Title insurance policies, including standard form endorsements; (2) Title insurance commitments issued prior to the issuance of a title insurance policy; and (3) Closing protection letters. (c) After notice and opportunity to be heard are given to the insurer or rate service organization which submitted a form for approval, the Commissioner may withdraw approval of the form on finding that the use of the form is contrary to the legal requirements applicable at the time of withdrawal. The effective date of withdrawal of approval shall not be less than 90 days after notice of withdrawal is given. (d) An approved policy form or endorsement providing coverage for which no identifiable premium is assessed may be incorporated into every applicable title insurance policy. The insurer shall disclose any additional coverage to the insured. The provisions of this section shall not operate to eliminate any underwriting standard of conditions relating to the approved policy forms or endorsements. (e) Any term or condition related to an insurance coverage provided by an approved title insurance policy or any exception to the coverage, except those ascertained from a search and examination of records relating to a title or inspection or survey of a property to be insured, shall only be included in the policy after the term, condition, or exception has been filed with the Commissioner and approved.  (Sept. 24, 2010, D.C. Law 18-223, § 2159, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 5(h), 60 DCR 12304.)  Section References This section is referenced in § 31-5031.04. Effect of Amendments The 2013 amendment by D.C. Law 20-40 rewrote (a). Emergency Legislation For temporary (90 day) addition, see § 2159 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.19 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.19. Filing by rating bureaus

(a) A title insurer may satisfy its obligation to file premium rates, rating manuals, and forms as required by this chapter if: (1) It becomes a member of, or a subscriber to, a rate service organization, organized and licensed under the provisions of acts relating to insurance which are codified in this title; (2) The rate service organization makes the filings; and (3) It authorizes the Commissioner in writing to accept the filings on the title insurer’s behalf. (b) This chapter shall not: (1) Require any title insurer to become a member of, or a subscriber to, any rate service organization; and (2) Prohibit the filing of deviations from rate service organization filings by any member or subscriber.  (Sept. 24, 2010, D.C. Law 18-223, § 2160, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2160 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.20 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.20. Record retention requirements

Evidence of the examination of title and determination of insurability for business written by a title insurer or title insurance producer and records relating to escrow and indemnity deposits shall be preserved and retained by the insurer or producer for as long as appropriate to the circumstances but not less than 3 years after the title insurance policy has been issued or 3 years after the escrow or indemnity deposit account has been closed. This section shall not apply to a title insurer acting as coinsurer if one of the other coinsurers has complied with this section.  (Sept. 24, 2010, D.C. Law 18-223, § 2161, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 5(i), 60 DCR 12304.)  Effect of Amendments The 2013 amendment by D.C. Law 20-40 substituted “insurer or producer” for “insurer or agent” in the first sentence. Emergency Legislation For temporary (90 day) addition, see § 2161 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.21 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.21. Penalties and liabilities

(a) If the Commissioner determines that the title insurer or any other person has violated this chapter, or any rule or order promulgated under this chapter, after notice and opportunity to be heard, the Commissioner may order: (1) A penalty not exceeding $2,500 for the 1st violation; (2) A penalty not exceeding $5,000 for each successive violation; and (3) Revocation or suspension of the title insurer’s license. (b) This section shall affect the right of the Commissioner to impose any other penalties provided for in any acts relating to insurance which are codified in this title.  (Sept. 24, 2010, D.C. Law 18-223, § 2162, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2162 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.22 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.22. Violations of Real Estate Settlement Procedures Act (“RESPA”)

The Commissioner or Attorney General may bring an action in a court of competent jurisdiction to enjoin or seek remedies for violations of the Real Estate Settlement Procedures Act of 1974, approved December 23, 1974 (88 Stat. 1724; 12 U.S.C. § 2601 et seq.).  (Sept. 24, 2010, D.C. Law 18-223, § 2163, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2163 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.23 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.23. Rules; orders

(a) The Commissioner, through the Mayor, pursuant to subchapter I of Chapter 5 of Title 2 [§ 2-501 et seq.], may issue rules to implement the provisions of this chapter. (b) The Commissioner may issue orders to implement the provisions of this chapter.  (Sept. 24, 2010, D.C. Law 18-223, § 2164, 57 DCR 6242.)  Section References This section is referenced in § 31-5031.04. Emergency Legislation For temporary (90 day) addition, see § 2164 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5031.24 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50A - Title Insurance Insurers|§ 31-5031.24. Applicability; construction

(a) This chapter shall: (1) Apply to all persons engaged in the business of title insurance in the District; and (2) Supplement the provisions of Chapter 25 of this title [§ 31-2501.01 et seq.]. (b) This chapter shall not: (1) Except as otherwise provided, limit the application of any acts relating to insurance which are codified in this title; or (2) Limit or restrict the rights of policyholders, claimants, and creditors. (c) If there is a conflict between a provision of this chapter and any provision in an act relating to insurance which is codified in this title, Chapter 25 of this title [§ 31-2501.01 et seq.], this chapter shall apply. (d) This chapter shall apply as of January 1, 2011 and to all transactions entered into after January 1, 2011.  (Sept. 24, 2010, D.C. Law 18-223, § 2165, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2165 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.03 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.03. Examination of operation of title insurance producers

(a) The Commissioner, during normal business hours, may examine, audit, and inspect any and all books and records required and maintained by a title insurance producer; provided, that trust accounts maintained by attorneys shall be subject to any privilege permitted by law and properly asserted. (b) The Commissioner may require that the information provided under this section be verified by oath of the title insurance producer or an officer, employee, or accountant of the title insurance producer.  (Sept. 24, 2010, D.C. Law 18-223, § 2124, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2124 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.04 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.04. Record-retention requirements

A title insurance producer shall maintain sufficient records of its affairs, including its escrow operations, if any, and escrow trust accounts, if any, so that the Commissioner may adequately ensure that the title insurance producer is in compliance with this chapter. The Commissioner may prescribe the specific record entries and documents to be kept and the length of time for which the records shall be maintained, for a period of not to exceed 3 years, unless otherwise required by the RESPA.  (Sept. 24, 2010, D.C. Law 18-223, § 2125, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2125 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.05 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.05. Policyholder treatment

(a) Unless otherwise agreed upon in writing, if a title insurance commitment is issued before issuing an owners title insurance policy, the title insurance producer or insurer shall furnish the title insurance commitment no later than the time of closing. The commitment shall be accompanied by the following statement on the 1st page in bold type: “Please read the exceptions and the terms shown or referred to herein carefully. The exceptions 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 form 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)(1) A title insurance producer or insurer which has been requested to issue a lender’s title insurance policy in conjunction with a mortgage loan made simultaneously with the purchase of all or part of an owner-occupied property securing the loan, where no owner’s title insurance policy has been requested, shall give written notice, on a form prescribed or approved by the Commissioner, to the purchaser-mortgagor at the time the commitment is prepared. The notice shall explain: (A) A lender’s title insurance policy is to be issued protecting the mortgage-lender; (B) The policy does not provide title insurance protection to the purchaser-mortgagor as the owner of the property being purchased; (C) What a title policy insures against and what possible exposures exist for the purchaser-mortgagor that could be insured against through the purchase of an owner’s policy; and (D) The purchaser-mortgagor may obtain an owner’s title insurance policy protecting the property owner at a specified cost or approximate cost, if the proposed coverages or amount of insurance is not then known. (2) A copy of the notice, signed by the purchaser-mortgagor, shall be retained in the relevant underwriting file at least 3 years after the effective date of the policy.  (Sept. 24, 2010, D.C. Law 18-223, § 2126, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 4(c), 60 DCR 12304.)  Effect of Amendments The 2013 amendment By D.C. Law 20-40 substituted “issued before issuing an owners title insurance policy” for “issued preparatory to issuing an owners title insurance policy covering the sale of owner-occupied residential property of 4 or fewer units” in (a); and substituted “an owner-occupied” for “residential, owner-occupied” in the introductory paragraph of (b)(1). Emergency Legislation For temporary (90 day) addition, see § 2126 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.07 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.07. Prohibition of rebate and fee splitting

(a) In a real or personal property transaction, a title insurance producer, a title insurer, or any employee or representative of a title insurance producer or a title insurer, shall not pay, allow, or give, or offer to pay, allow, or give, directly or indirectly, as an inducement to insurance, or after insurance has been effected, any rebate, discount, abatement, credit, or reduction of the premium named in a policy of insurance, or any valuable consideration or inducement, whether or not specified or provided for in the policy, except to the extent provided for in an applicable filing with the Commissioner as provided by law. (b) In a real or personal property transaction, an insured named in a policy, or any employee of the insured, shall not knowingly receive or accept, directly or indirectly, any rebate, discount, abatement, credit, or reduction of premium, or any special favor, advantage, valuable consideration, or inducement, as specified in subsection (a) of this section. (c) This section shall not prohibit: (1) The payment of commissions or other compensation to domestic or foreign licensed title insurance producers or title insurer employees; or (2) Any insurer from allowing or returning to its participating policyholders, members, or subscribers dividends, savings, or unabsorbed premium deposits.  (Sept. 24, 2010, D.C. Law 18-223, § 2128, 57 DCR 6242; Nov. 5, 2013, D.C. Law 20-40, § 4(e), 60 DCR 12304.)  Effect of Amendments The 2013 amendment by D.C. Law 20-40, in (a), substituted “real or personal property transaction, a title insurance producer, a title insurer” for “residential property transaction, a title insurer” and substituted “representative of a title insurance producer or a title insurance producer or a title insurer” for “representative of a title insurer”; and substituted “real or personal property” for “residential property” in (b). Emergency Legislation For temporary (90 day) addition, see § 2122 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.08 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.08. Underwriting contract required with title insurer

A person acting in the capacity of a title insurance producer shall not place business with a title insurer unless there is in force a written contract between the parties which sets forth the responsibilities of each party, and, if both parties share responsibility for a particular function, specifies the division of the responsibilities.  (Sept. 24, 2010, D.C. Law 18-223, § 2129, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2129 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).
DC Code § 31-5041.09 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 50B - Title Insurance Producers|§ 31-5041.09. Penalties and liabilities

(a) If the Commissioner determines that the title insurance producer or any other person has violated this chapter, or any rule or order promulgated under this chapter, after notice and opportunity to be heard, the Commissioner may order: (1) A penalty not exceeding $2,500 for the 1st violation; (2) A penalty not exceeding $5,000 for each successive violation; and (3) Revocation or suspension of the title insurance producer’s or title insurer’s license. (b) If an order of rehabilitation or liquidation of the insurer has been entered pursuant to Chapter 13 of this title [§ 31-1301 et seq.], and the receiver appointed under that order determines that the title insurance producer or any other person has not complied with this chapter, or any related rule or order, and the insurer suffered any resulting loss or damage, the receiver may maintain an action for recovery of damages or other appropriate sanctions for the benefit of the insurer and its policyholders and creditors. (c) This section shall not affect the right of the Commissioner to impose any other penalties provided for in acts relating to insurance which are codified in this title.  (Sept. 24, 2010, D.C. Law 18-223, § 2130, 57 DCR 6242.)  Emergency Legislation For temporary (90 day) addition, see § 2130 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542).