reglab/housing_qa huggingface dataset:
TX Ins Code § 541.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.003. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Prohibited

Sec. 541.003.  UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS OR PRACTICES PROHIBITED.  A person may not engage in this state in a trade practice that is defined in this chapter as or determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.004. Venue for Actions Involving Department or Commissioner

Sec. 541.004.  VENUE FOR ACTIONS INVOLVING DEPARTMENT OR COMMISSIONER.  An action under this chapter in which the department or commissioner is a party must be brought in a district court in Travis County.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.005 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.005. Applicability to Risk Retention or Purchasing Group

Sec. 541.005.  APPLICABILITY TO RISK RETENTION OR PURCHASING GROUP.  (a)  A risk retention group or purchasing group described by Subchapter B, Chapter 2201, or Section 2201.251 that is not chartered in this state may not engage in a trade practice in this state that is defined as unlawful under this chapter.(b)  A risk retention group or purchasing group is subject to this chapter and rules adopted under this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.005, eff. April 1, 2009.|
TX Ins Code § 541.006 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.006. Prohibited Content of Certain Insurance Policies

Sec. 541.006.  PROHIBITED CONTENT OF CERTAIN INSURANCE POLICIES.  Notwithstanding any other provision of this code, it is unlawful for an insurer engaged in the business of life, accident, or health insurance to issue or deliver in this state a policy containing the words "Approved by the Texas Department of Insurance" or words of a similar meaning.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.007 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.007. Immunity From Prosecution

Sec. 541.007.  IMMUNITY FROM PROSECUTION.  (a)  This section applies to a person who requests to be excused from attending and testifying at a hearing or from producing books, papers, records, correspondence, or other documents at the hearing on the ground that the testimony or evidence may:(1)  tend to incriminate the person;  or(2)  subject the person to a penalty or forfeiture.(b)  A person who, notwithstanding a request described by Subsection (a), is directed to provide the testimony or produce the documents shall comply with that direction.  Except as provided by Subsection (c), the person may not be prosecuted or subjected to a penalty or forfeiture for or on account of a transaction, matter, or thing about which the person testifies or produces documents, and the testimony or documents produced may not be received against the person in a criminal action, investigation, or proceeding.(c)  A person who complies with a direction to testify or produce documents is not exempt from prosecution or punishment for perjury committed while testifying and the testimony or evidence given or produced is admissible against the person in a criminal action, investigation, or proceeding concerning the perjury, and the person is not exempt from the denial, revocation, or suspension of any license, permission, or authority conferred or to be conferred under this code.(d)  A person may waive the immunity or privilege granted by this section by executing, acknowledging, and filing with the department a statement expressly waiving the immunity or privilege for a specified transaction, matter, or thing.  On filing the statement:(1)  the testimony or documents produced by the person in relation to the transaction, matter, or thing may be received by or produced before a judge or justice or a court, grand jury, or other tribunal;  and(2)  the person is not entitled to immunity or privilege for the testimony or documents received or produced under Subdivision (1).|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.008 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter A. General Provisions|Section 541.008. Liberal Construction

Sec. 541.008.  LIBERAL CONSTRUCTION.  This chapter shall be liberally construed and applied to promote the underlying purposes as provided by Section 541.001.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.051 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.051. Misrepresentation Regarding Policy or Insurer

Sec. 541.051.  MISREPRESENTATION REGARDING POLICY OR INSURER.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to:(1)  make, issue, or circulate or cause to be made, issued, or circulated an estimate, illustration, circular, or statement misrepresenting with respect to a policy issued or to be issued:(A)  the terms of the policy;(B)  the benefits or advantages promised by the policy;  or(C)  the dividends or share of surplus to be received on the policy;(2)  make a false or misleading statement regarding the dividends or share of surplus previously paid on a similar policy;(3)  make a misleading representation or misrepresentation regarding:(A)  the financial condition of an insurer;  or(B)  the legal reserve system on which a life insurer operates;(4)  use a name or title of a policy or class of policies that misrepresents the true nature of the policy or class of policies;  or(5)  make a misrepresentation to a policyholder insured by any insurer for the purpose of inducing or that tends to induce the policyholder to allow an existing policy to lapse or to forfeit or surrender the policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.052 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.052. False Information and Advertising

Sec. 541.052.  FALSE INFORMATION AND ADVERTISING.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to make, publish, disseminate, circulate, or place before the public or directly or indirectly cause to be made, published, disseminated, circulated, or placed before the public an advertisement, announcement, or statement containing an untrue, deceptive, or misleading assertion, representation, or statement regarding the business of insurance or a person in the conduct of the person's insurance business.(b)  This section applies to an advertisement, announcement, or statement made, published, disseminated, circulated, or placed before the public:(1)  in a newspaper, magazine, or other publication;(2)  in a notice, circular, pamphlet, letter, or poster;(3)  over a radio or television station;(4)  through the Internet; or(5)  in any other manner.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 475 (H.B. 2251), Sec. 2, eff. September 1, 2007.|
TX Ins Code § 541.053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.053. Defamation of Insurer

Sec. 541.053.  DEFAMATION OF INSURER.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to directly or indirectly make, publish, disseminate, or circulate or to aid, abet, or encourage the making, publication, dissemination, or circulation of a statement that:(1)  is false, maliciously critical of, or derogatory to the financial condition of an insurer;  and(2)  is calculated to injure a person engaged in the business of insurance.(b)  This section applies to any oral or written statement, including a statement in any pamphlet, circular, article, or literature.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.054 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.054. Boycott, Coercion, or Intimidation

Sec. 541.054.  BOYCOTT, COERCION, OR INTIMIDATION.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to commit through concerted action or to enter into an agreement to commit an act of boycott, coercion, or intimidation that results in or tends to result in the unreasonable restraint of or a monopoly in the business of insurance.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.055 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.055. False Financial Statement

Sec. 541.055.  FALSE FINANCIAL STATEMENT.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to, with intent to deceive:(1)  file with a supervisory or other public official a false statement of financial condition of an insurer;  or(2)  make, publish, disseminate, circulate, deliver to any person, or place before the public or directly or indirectly cause to be made, published, disseminated, circulated, delivered to any person, or placed before the public a false statement of financial condition of an insurer.(b)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to make a false entry in an insurer's book, report, or statement or wilfully omit to make a true entry of a material fact relating to the insurer's business in the insurer's book, report, or statement with intent to deceive:(1)  an agent or examiner lawfully appointed to examine the insurer's condition or affairs;  or(2)  a public official to whom the insurer is required by law to report or who has authority by law to examine the insurer's condition or affairs.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.056 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.056. Prohibited Rebates and Inducements

Sec. 541.056.  PROHIBITED REBATES AND INDUCEMENTS.  (a)  Subject to Section 541.058 and except as otherwise expressly provided by law, it is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to knowingly permit the making of, offer to make, or make a life insurance contract, life annuity contract, or accident and health insurance contract or an agreement regarding the contract, other than as plainly expressed in the issued contract, or directly or indirectly pay, give, or allow or offer to pay, give, or allow as inducement to enter into a life insurance contract, life annuity contract, or accident and health insurance contract a rebate of premiums payable on the contract, a special favor or advantage in the dividends or other benefits of the contract, or a valuable consideration or inducement not specified in the contract, or give, sell, or purchase or offer to give, sell, or purchase in connection with a life insurance, life annuity, or accident and health insurance contract or as inducement to enter into the contract stocks, bonds, or other securities of an insurer or other corporation, association, or partnership, dividends or profits accrued from the stocks, bonds, or securities, or anything of value not specified in the contract.(b)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to issue or deliver or to permit an agent, officer, or employee to issue or deliver as an inducement to insurance:(1)  company stock or other capital stock;(2)  a benefit certificate or share in a corporation;(3)  securities;  or(4)  a special or advisory board contract or any other contract promising returns or profits.(c)  Subsection (b) does not prohibit issuing or delivering a participating insurance policy otherwise authorized by law.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.057 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.057. Unfair Discrimination in Life Insurance and Annuity Contracts

Sec. 541.057.  UNFAIR DISCRIMINATION IN LIFE INSURANCE AND ANNUITY CONTRACTS.  Subject to Section 541.058, it is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to make or permit with respect to a life insurance or life annuity contract an unfair discrimination between individuals of the same class and equal life expectancy regarding:(1)  the rates charged;(2)  the dividends or other benefits payable;  or(3)  any of the other terms and conditions of the contract.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.059 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.059. Deceptive Name, Word, Symbol, Device, or Slogan

Sec. 541.059.  DECEPTIVE NAME, WORD, SYMBOL, DEVICE, OR SLOGAN.  (a)  Except as provided by Subsection (b), it is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to use, display, publish, circulate, distribute, or cause to be used, displayed, published, circulated, or distributed in a letter, pamphlet, circular, contract, policy, evidence of coverage, article, poster, or other document, literature, or public media:(1)  a name as the corporate or business name of a person or entity engaged in the business of insurance or in an insurance-related business in this state that is the same as or deceptively similar to the name adopted and used by an insurance entity, health maintenance organization, third-party administrator, or group hospital service corporation authorized to engage in business under the laws of this state;  or(2)  a word, symbol, device, or slogan, either alone or in combination and regardless of whether registered, and including the titles, designations, character names, and distinctive features of broadcast or other advertising, that is the same as or deceptively similar to a word, symbol, device, or slogan adopted and used by an insurance entity, health maintenance organization, third-party administrator, or group hospital service corporation to distinguish the entity or the entity's products or services from another entity.(b)  If more than one person or entity uses names, words, symbols, devices, or slogans, either alone or in combination, that are the same or deceptively similar and are likely to cause confusion or mistake, the person or entity that demonstrates the first continuous actual use of the name, word, symbol, device, slogan, or combination has not engaged in an unfair method of competition or deceptive act or practice under this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.060 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.060. Unfair Settlement Practices

Sec. 541.060.  UNFAIR SETTLEMENT PRACTICES.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to engage in the following unfair settlement practices with respect to a claim by an insured or beneficiary:(1)  misrepresenting to a claimant a material fact or policy provision relating to coverage at issue;(2)  failing to attempt in good faith to effectuate a prompt, fair, and equitable settlement of:(A)  a claim with respect to which the insurer's liability has become reasonably clear;  or(B)  a claim under one portion of a policy with respect to which the insurer's liability has become reasonably clear to influence the claimant to settle another claim under another portion of the coverage unless payment under one portion of the coverage constitutes evidence of liability under another portion;(3)  failing to promptly provide to a policyholder a reasonable explanation of the basis in the policy, in relation to the facts or applicable law, for the insurer's denial of a claim or offer of a compromise settlement of a claim;(4)  failing within a reasonable time to:(A)  affirm or deny coverage of a claim to a policyholder;  or(B)  submit a reservation of rights to a policyholder;(5)  refusing, failing, or unreasonably delaying a settlement offer under applicable first-party coverage on the basis that other coverage may be available or that third parties are responsible for the damages suffered, except as may be specifically provided in the policy;(6)  undertaking to enforce a full and final release of a claim from a policyholder when only a partial payment has been made, unless the payment is a compromise settlement of a doubtful or disputed claim;(7)  refusing to pay a claim without conducting a reasonable investigation with respect to the claim;(8)  with respect to a Texas personal automobile insurance policy, delaying or refusing settlement of a claim solely because there is other insurance of a different kind available to satisfy all or part of the loss forming the basis of that claim;  or(9)  requiring a claimant as a condition of settling a claim to produce the claimant's federal income tax returns for examination or investigation by the person unless:(A)  a court orders the claimant to produce those tax returns;(B)  the claim involves a fire loss;  or(C)  the claim involves lost profits or income.(b)  Subsection (a) does not provide a cause of action to a third party asserting one or more claims against an insured covered under a liability insurance policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 541.061 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 541 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices|Subchapter B. Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Defined|Section 541.061. Misrepresentation of Insurance Policy

Sec. 541.061.  MISREPRESENTATION OF INSURANCE POLICY.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to misrepresent an insurance policy by:(1)  making an untrue statement of material fact;(2)  failing to state a material fact necessary to make other statements made not misleading, considering the circumstances under which the statements were made;(3)  making a statement in a manner that would mislead a reasonably prudent person to a false conclusion of a material fact;(4)  making a material misstatement of law;  or(5)  failing to disclose a matter required by law to be disclosed, including failing to make a disclosure in accordance with another provision of this code.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|