reglab/housing_qa huggingface dataset:
DC Code § 31-1603 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1603. Prohibited actions

(a) Repealed. (b)(1) In determining whether to issue, cancel, or renew insurance coverage, an insurer may not use age, marital status, geographic area of residence, occupation, sex, sexual orientation, gender identity or expression, or any similar factor or combination of factors for the purpose of seeking to predict whether any individual may in the future develop AIDS or ARC. (2) In determining rates, premiums, dues, assessments, benefits covered, or expenses reimbursable, or in any other aspect of insurance marketing or coverage, an insurer may not use age, marital status, geographic area of residence, occupation, sex, sexual orientation, gender identity or expression, or any similar factor or combination of factors for the purpose of seeking to predict whether any individual may in the future develop AIDS or ARC. (c) No health or disability insurance policy or contract shall contain any exclusion, reduction, other limitation of coverage, deductibles, or coinsurance provisions related to the care and treatment of AIDS, ARC, HIV infection, or any illness or disease arising from these medical conditions, unless the provisions apply generally to all benefits under the policy or contract. (d) No life insurance policy or contract shall contain any exclusion, reduction, or other limitation of benefits related to AIDS, ARC, HIV infection, or any disease arising from these medical conditions, as a cause of death.  (Aug. 7, 1986, D.C. Law 6-132, § 4, 33 DCR 3615; Mar. 16, 1989, D.C. Law 7-208, § 2(b), 36 DCR 471; June 25, 2008, D.C. Law 17-177, § 15(b), 55 DCR 3696.)  Prior Codifications 1981 Ed., § 35-223. Effect of Amendments D.C. Law 17-177, in subsec. (b), substituted “sexual orientation, gender identity or expression” for “sexual orientation”.
DC Code § 31-1604 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1604. AIDS testing standards, protocols, and appeals

(a)(1) Within 30 days of March 16, 1989, the District of Columbia Commissioner of Public Health (“Commissioner”) shall certify the testing protocol that is the most reliable and accurate in identifying exposure to the probable causative agent of AIDS, ARC, and the HIV infection. The notice of certification shall include an estimate based on scientific evidence of the proportion of false positive results expected in use of the testing protocol. (2) Within 12 months from the date of the initial certification and at least annually thereafter, the Commissioner shall publish a new or renewal certification based upon an ongoing review of scientific evidence regarding the accuracy and reliability of the testing protocol. (b)(1) A named insured who tests positive under the testing protocol certified by the Commissioner may appeal to the Commissioner of Insurance and Securities [Commissioner of the Department of Insurance, Securities, and Banking] to review the testing procedures and results, and may present additional medical evidence, including the results of similar tests for exposure to the probable causative agent of AIDS that the named insured independently obtains, to rebut the positive test results. If the Commissioner of Insurance and Securities [Commissioner of the Department of Insurance, Securities, and Banking] determines that the result of the test of the proposed insured is not a true positive, the Commissioner of Insurance and Securities [Commissioner of the Department of Insurance, Securities, and Banking] shall order the insurer from which the applicant sought coverage to disregard the positive test result. The Commissioner of Insurance and Securities [Commissioner of the Department of Insurance, Securities, and Banking] shall, when necessary, request the advice of the Commissioner in making this determination. (2) Hearings related to the appeal provided for in paragraph (1) of this subsection shall be held in accordance with subchapter I of Chapter 5 of Title 2. (3) An insurer shall apply standard underwriting practices, in accordance with applicable laws and rules of the District, to all life, health, or disability income insurance policies or contracts for individuals who test positive under the testing protocol certified by the Commissioner.  (Aug. 7, 1986, D.C. Law 6-132, § 5, 33 DCR 3615; Mar. 16, 1989, D.C. Law 7-208, § 2(c), 36 DCR 471; May 21, 1997, D.C. Law 11-268, § 10(g), 44 DCR 1730.)  Prior Codifications 1981 Ed., § 35-224. Section References This section is referenced in § 31-1606. Editor's Notes Department of Insurance abolished: See Historical and Statutory Notes following § 31-2501.03.
DC Code § 31-1605 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1605. Diagnosis of AIDS

(a) Nothing in this chapter shall be construed as preventing or restricting insurers or their agents or employees from following standard procedures for determining the insurability of or establishing the rates or premiums for new applicants diagnosed by a licensed physician as having AIDS, provided that the procedures: (1) Apply in the same manner to all other new applicants within the same category of insurance; (2) Are justified on the basis of actuarial evidence; and (3) Comply with other laws and rules of the District. (b) Repealed.  (Aug. 7, 1986, D.C. Law 6-132, § 6, 33 DCR 3615; Mar. 16, 1989, D.C. Law 7-208, § 2(d), 36 DCR 471.)  Prior Codifications 1981 Ed., § 35-225.
DC Code § 31-1607 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1607. Contestability

An insurer may contest the validity of a policy or contract for 3 years from the date of issuance, amendment, or renewal of the policy or contract, if the basis for contesting the validity is that the insured knowingly failed or refused to disclose to the insurer that he or she had AIDS at the time of issuance, amendment, or renewal of any policy issued under this chapter, and the insurance company was prohibited by law from conducting a test to determine the exposure of the insured to the AIDS virus on the date the insurer and insured entered into a contract.  (Aug. 7, 1986, D.C. Law 6-132, § 8, 33 DCR 3615; Mar. 16, 1989, D.C. Law 7-208, § 2(f), 36 DCR 471.)  Prior Codifications 1981 Ed., § 35-227.
DC Code § 31-1608 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1608. Special enforcement provisions

(a) An insurer, or an agent, broker or employee of the insurer who violates any provision of this chapter or rule issued pursuant to this chapter shall be subject to the suspension or revocation of its license or certificate of authority to transact business in the District, as appropriate, in accordance with the provisions of §§ 31-2502.03, 31-2502.36 [repealed], 31-4305, and 31-4326 [repealed], or other applicable District laws. (b) Any person who violates the restrictions on disclosure in § 31-1606(d) shall be fined not less than $500 or more than $5,000 for each disclosure. In the case of an insurer or an agent, broker or employee of an insurer, the fine shall be in addition to the penalties provided in subsection (a) of this section. (c) Any person injured as the result of a violation of this chapter, or a rule issued pursuant to this chapter, may bring an action for civil damages and other appropriate relief in the Superior Court of the District of Columbia without first pursuing administrative remedies.  (Aug. 7, 1986, D.C. Law 6-132, § 9, 33 DCR 3615; Mar. 16, 1989, D.C. Law 7-208, § 2(g), 36 DCR 471.)  Prior Codifications 1981 Ed., § 35-228.
DC Code § 31-1609 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1609. Rules

The Mayor shall issue proposed rules, within 90 days of August 7, 1986, to implement the provisions of this chapter. The proposed rules shall be submitted to the Council of the District of Columbia (“Council”) for a 45-day period of review, excluding Saturdays, Sundays, holidays, and days of Council recess. If the Council does not disapprove the proposed rules by resolution, within the 45-day review period, the proposed rules shall be deemed approved. The Council may approve or disapprove the proposed rules, in whole or in part, by resolution prior to the expiration of the 45-day review period.  (Aug. 7, 1986, D.C. Law 6-132, § 10, 33 DCR 3615.)  Prior Codifications 1981 Ed., § 35-229.
DC Code § 31-1610 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16 - Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test|§ 31-1610. Prohibition against discrimination in use of AIDS tests

(a) No insurer shall inquire about the sexual orientation or gender identity or expression of an applicant in an application for health, life, or disability income insurance coverage or in an investigation conducted by an insurer or insurance support organization on behalf of an insurer in connection with an application for the coverage. (b) Sexual orientation or gender identity or expression, shall not be used as a factor in the underwriting process or in the determination of insurability. (c) Insurance support organizations shall be directed by insurers not to investigate, directly or indirectly, the sexual orientation or gender identity or expression of a proposed insured. (d) An insurance company shall not use sexual orientation, gender identity or expression, lifestyle, living arrangements, occupation, gender, or beneficiary designation to determine whether to test an individual who applies for life, health, or disability income insurance.  (Aug. 7, 1986, D.C. Law 6-132, § 11; as added Mar. 16, 1989, D.C. Law 7-208, § 2(h), 36 DCR 471; June 25, 2008, D.C. Law 17-177, § 15(c), 55 DCR 3696.)  Prior Codifications 1981 Ed., § 35-230. Effect of Amendments D.C. Law 17-177, in subsecs. (a) and (c), substituted “sexual orientation or gender identity or expression” for “sexual orientation”; in subsec. (b), substituted “Sexual orientation or gender identity or expression, shall not” for “Sexual orientation shall not”; and, in subsec. (d), substituted “sexual orientation, gender identity or expression” for “sexual orientation”.
DC Code § 31-1631.01 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.01. Short title

This chapter may be cited as the “Public Insurance Adjuster Licensure Act of 2002.”  (Mar. 27, 2003, D.C. Law 14-256, § 1, 50 DCR 238.)  Section References This section is referenced in § 28-3811 and § 31-631.
DC Code § 31-1631.02 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.02. Definitions

For the purposes of this chapter, the term: (1) “Commissioner” means the Commissioner of Insurance and Securities Regulation [Commissioner of the Department of Insurance, Securities, and Banking]. (2) “District” means the District of Columbia. (3) “License” means a license issued by the Commissioner to act as a public insurance adjuster. (4) “Licensee” means any person licensed in the District to do business as a public insurance adjuster. (5) “Public insurance adjuster” shall include any person who, for compensation or any other thing of value: (A) Acts or aids, solely in relation to first party claims arising under insurance contracts that insure the real or personal property of the insured, on behalf of an insured individual in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract; (B) Advertises for employment as an adjuster of insurance claims; solicits business or represents himself or herself to the public as an adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or (C) Directly or indirectly solicits business, investigates or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy.  (Mar. 27, 2003, D.C. Law 14-256, § 2, 50 DCR 238.)
DC Code § 31-1631.03 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.03. License requirement

No person shall, directly or indirectly, act as a public insurance adjuster without first procuring a license from the Commissioner to act as a public insurance adjuster.  (Mar. 27, 2003, D.C. Law 14-256, § 3, 50 DCR 238.)
DC Code § 31-1631.04 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.04. Licensure

(a) The Commissioner shall issue a license to an applicant for a public insurance adjuster’s license who: (1) Has paid the applicable fee established by the Commissioner by rule; (2) Passes a written examination for which a fee may be charged; and (3) Has sufficient experience, training, and instruction concerning the adjusting of first party claims for damages or losses under insurance contracts that insure the real or personal property of the insured, as determined by the Commissioner in accordance with regulations issued pursuant to this chapter. (b) The Commissioner may issue a license to any applicant without an examination if: (1) The applicant holds a like license in good standing from another state and the public official having supervision of public insurance adjusters in the other state certifies that the applicant has passed a written examination; and (2) The other state recognizes public insurance adjusters with District public insurance adjuster licenses for the purpose of licensing the applicant without the requirement of an examination. (c) A license issued pursuant to this section shall continue in force from the date of issuance until April 30th of the next odd-numbered year, unless suspended, revoked, or otherwise terminated prior thereto. Requests for renewal of the license shall be made to the Commissioner and accompanied by the license fee. Unless a request for renewal, accompanied by the appropriate fee, is received by the termination date, the license shall expire.  (Mar. 27, 2003, D.C. Law 14-256, § 4, 50 DCR 238; Sept. 24, 2010, D.C. Law 18-223, § 2172, 57 DCR 6242.)  Effect of Amendments D.C. Law 18-223, in subsec. (a)(1), substituted “established by the Commissioner by rule” for “specified by this chapter”. Emergency Legislation For temporary (90 day) amendment of section, see § 2172 of Fiscal Year 2011 Budget Support Emergency Act of 2010 (D.C. Act 18-463, July 2, 2010, 57 DCR 6542). Short Title Short title: Section 2171 of D.C. Law 18-223 provided that subtitle N of title II of the act may be cited as the “Public Insurance Adjuster Licensure Amendment Act of 2010”.
DC Code § 31-1631.05 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.05. Bond requirement

(a) At the time of the application for license as a public insurance adjuster, the applicant shall file with the Commissioner a bond executed and issued by a surety insurer authorized to transact business in the District in the amount of $20,000, which bond shall serve the faithful performance of his or her duties as a public insurance adjuster. A public insurance adjuster license shall automatically terminate when the bond is not in force. (b) The bond shall have the following characteristics: (1) The bond shall be in favor of the District and shall specifically authorize recovery by the Commissioner of the damages sustained if the licensee is convicted of fraud or unfair practices in connection with his or her business as a public insurance adjuster. (2) The aggregate liability of the surety for all damages shall not exceed the amount of the bond. (3) The bond shall not be terminated unless at least 30 days written notice is given to the licensee and filed with the Commissioner.  (Mar. 27, 2003, D.C. Law 14-256, § 5, 50 DCR 238.)
DC Code § 31-1631.06 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.06. Maintenance of records

(a) A public insurance adjuster shall maintain a complete record of each transaction as a public insurance adjuster. The records required by this section shall include the: (1) Name of the insured; (2) Date, location, and amount of the loss; (3) Copy of the contract between the public insurance adjuster and insured; (4) Name of the insurer, amount, expiration date, and number of each policy carried with respect to the loss; (5) Itemized statement of the insured’s recoveries; and (6) Itemized statement of all compensation received by the public insurance adjuster, from any source whatsoever, in connection with a particular claim. (b) Records shall be maintained for at least 5 years after the termination of the transaction with an insured and shall be open to examination by the Commissioner at all times. (c) Records submitted in accordance with this section that contain proprietary information, identified in writing as such by the public insurance adjuster, shall be treated as confidential by the Commissioner.  (Mar. 27, 2003, D.C. Law 14-256, § 6, 50 DCR 238.)
DC Code § 31-1631.07 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.07. License denial, suspension, revocation, and refusal to renew; civil penalties

(a) The Commissioner may deny a license to an applicant or suspend, revoke, or refuse to renew a license if the applicant or licensee: (1) Violates the provisions of this chapter or any standard of conduct prescribed by the Commissioner in regulations; (2) Makes a material misstatement in the application for the license; (3) Engages in fraudulent or dishonest practices; or (4) Demonstrates incompetency or untrustworthiness to act as a public insurance adjuster. (b) Upon a finding by the Commissioner of a violation of subsection (a)(1) or (3) of this section, the Commissioner may impose a civil penalty not to exceed $1,000 for each violation. (c) This chapter shall not be applied or interpreted to bar a borrower from bringing an action pursuant to any District or federal law for damages, injunctive relief, or any other relief.  (Mar. 27, 2003, D.C. Law 14-256, § 7, 50 DCR 238.)  Section References This section is referenced in § 28-3811.
DC Code § 31-1631.08 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.08. Contracts and solicitation of contracts

(a) No licensee shall, directly or indirectly, act within the District as a public insurance adjuster without having first entered into a contract, in writing, on a form approved by the Commissioner and executed in duplicate by the public insurance adjuster and the insured or a duly authorized representative. One copy of the contract shall be kept on file by the licensee and available at all times for inspection without notice by the Commissioner. (b)(1) An insured who contracts for the services of a public insurance adjuster shall have the right to cancel the contract until midnight on the 3rd business day after the day on which he or she signs the contract. Contracts that do not substantially conform to the requirements contained in this section shall be void. Cancellation of the contract shall be effective when mailed if the following conditions are met: (A) The cancellation shall be in writing, but need not take a particular form, and shall be sufficient if it indicates the intent of the person not to go forward with the representation. (B) The right to cancel shall be contained in the approved contract prescribed by this chapter. (2) The right of recession contained in this subsection shall be in addition to, and not in limitation of, any other rights of the insured. (3) In a commercial loss, if a contract is cancelled in accordance with this subsection, the public insurance adjuster shall be entitled to reasonable compensation for actual services rendered and costs incurred between the time the contract was entered into and the time it was cancelled. (c) A licensee shall not solicit, or attempt to solicit, a client for employment during the progress of a loss-producing occurrence, as defined in the client’s insurance contract. (d) A licensee shall not permit an unlicensed employee or agent in his or her own name to advertise, engage clients, furnish reports, or present bills to clients, or in any manner whatsoever to conduct business for which a license is required under this chapter. (e) A licensee shall not charge the client a fee that exceeds 10% of the total insurance recovery of the client.  (Mar. 27, 2003, D.C. Law 14-256, § 8, 50 DCR 238.)
DC Code § 31-1631.09 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.09. Adjustments to comply with insurance contract and law

A public insurance adjuster shall adjust or investigate every claim, damage, or loss made or occurring under an insurance contract for which the public insurance adjuster has been employed in accordance with the terms and conditions of his or her contract with the insured and the applicable laws and regulations of the District.  (Mar. 27, 2003, D.C. Law 14-256, § 9, 50 DCR 238.)
DC Code § 31-1631.10 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.10. Regulations

The Commissioner shall promulgate rules and regulations as are necessary to carry out this chapter.  (Mar. 27, 2003, D.C. Law 14-256, § 10, 50 DCR 238.)
DC Code § 31-1631.12 (2021)
2021 District of Columbia Code|Title 31 - Insurance and Securities|Chapter 16A - Public Insurance Adjuster Licensure|§ 31-1631.12. Scope

This chapter shall not apply to: (1) An adjuster for or an agent or employee of an insurer or group of insurers under common control or ownership that, as a representative of the insurer or group, adjusts losses or damages under policies issued by the insurer or group; (2) A broker that acts as an adjuster without compensation for an insured for whom the broker is acting as a broker; (3) An attorney at law who does not: (A) Regularly act as a public insurance adjuster; or (B) Represent to the public by sign, advertisement, or other written or oral communication indicating that the attorney at law acts as a public insurance adjuster; or (4) A licensed health care provider, or employee of a licensed health care provider, who prepares or files a health insurance claim form on behalf of a patient, a licensed insurance agent, or salaried employee of an insurance company.  (Mar. 27, 2003, D.C. Law 14-256, § 12, 50 DCR 238.)