reglab/housing_qa huggingface dataset:
OR Rev Stat § 746.635 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.635 - Investigative consumer reports.

(1) No insurer, insurance producer or insurance-support organization may prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the insurer or insurance producer informs the individual: (a) That the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and (b) That upon a request pursuant to ORS 746.640, the individual is entitled to receive a copy of the investigative consumer report. (2) If an investigative consumer report is to be prepared by an insurer or insurance producer, the insurer or insurance producer shall institute reasonable procedures to conduct a personal interview requested by the individual. (3) If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance producer desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures to conduct such requested interviews. [1981 c.649 §9; 2003 c.364 §158]
OR Rev Stat § 746.655 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.655 - Information concerning previous adverse underwriting decisions.

No insurer, insurance producer or insurance-support organization may seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by an individual, or any previous insurance coverage obtained by an individual through a residual market mechanism, unless the inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. [1981 c.649 §13; 2003 c.364 §162]
OR Rev Stat § 746.660 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.660 - Basing adverse underwriting decision on previous adverse decision.

No insurer or insurance producer may base an adverse underwriting decision in whole or in part on: (1) The fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism. However, an insurer or insurance producer may base an adverse underwriting decision on further information obtained from an insurer or insurance producer responsible for a previous adverse underwriting decision. (2) Personal information received from an insurance-support organization whose primary source of information is insurers. However, an insurer or insurance producer may base an adverse underwriting decision on further personal information obtained as the result of information received from such an insurance-support organization. [1981 c.649 §14; 2003 c.364 §163]
OR Rev Stat § 746.662 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.662 - Filing of insurance scoring models.

(1) An insurer may not use credit history to determine personal insurance eligibility, premiums or rates for coverage unless the insurer has filed the insurance scoring models used by the insurer with the Director of the Department of Consumer and Business Services. An insurance scoring model includes all attributes and factors used in the calculation of an insurance score. (2) Insurance scoring models filed with the director under subsection (1) of this section are confidential and not subject to disclosure under ORS 192.311 to 192.478. [2003 c.788 §5]
OR Rev Stat § 746.663 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.663 - Cancellation or nonrenewal of personal insurance policies based on credit history or insurance score.

(1) An insurer that issues personal insurance policies in this state may not cancel or nonrenew a policy of personal insurance based in whole or in part on a consumer’s credit history or insurance score. (2) If, prior to January 1, 2004, an insurer has assigned a consumer to a less favorable rating category for a policy of personal insurance based in whole or in part on the consumer’s credit history or insurance score, the consumer may request, no more than once annually, that the insurer rerate the consumer according to the standards that the insurer would apply to the consumer if the consumer were initially applying for the same personal insurance on or after January 1, 2004. (3) An insurer that receives a request under subsection (2) of this section may not consider that the consumer was assigned to a less favorable rate category when the insurer rerates the consumer. (4) If an insurer uses disputed credit history to determine eligibility for coverage of personal insurance and places a consumer with an affiliate that charges higher premiums or offers less favorable policy terms: (a) The insurer shall rerate the policy retroactive to the effective date of the current policy term; and (b) The policy, as reissued or rerated, shall provide the premiums and policy terms for which the consumer would have been eligible if accurate credit history had been used to determine eligibility. (5) If an insurer charges higher premiums due to disputed credit history, the insurer shall rerate the policy retroactive to the effective date of the current policy term. As rerated, the insurer shall charge the consumer the same premiums the consumer would have been charged if accurate credit history had been used to calculate an insurance score. (6) Subsections (4) and (5) of this section apply only if the consumer resolves the credit dispute under the process set forth in the federal Fair Credit Reporting Act (15 U.S.C. 1681) and notifies the insurer in writing that the dispute has been resolved. (7) Except as provided in subsections (2), (4) and (5) of this section, an insurer may only use rating factors other than credit history or insurance score to rerate the policy at renewal. [2003 c.788 §7]
OR Rev Stat § 746.668 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.668 - Relationship of ORS 746.620, 746.630 and 746.665 to federal Fair Credit Reporting Act.

Nothing in ORS 746.620, 746.630 or 746.665 may be construed to modify, limit or supersede the operation of the federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) and no inference may be drawn on the basis of ORS 746.620, 746.630 or 746.665 regarding whether personal information is transaction information or experience information under section 603 of the federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.). [2001 c.377 §28c; 2003 c.87 §16]
OR Rev Stat § 746.670 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.670 - Investigatory powers.

(1) The Director of the Department of Consumer and Business Services may examine and investigate into the affairs of any insurer or insurance producer transacting insurance in this state to determine whether it has been or is engaged in any conduct in violation of ORS 746.600 to 746.690. (2) The director may examine and investigate into the affairs of any insurance-support organization acting on behalf of an insurer or insurance producer which either transacts insurance in this state or transacts insurance outside this state which has an effect on a person residing in this state, in order to determine whether the insurance-support organization has been or is engaged in any conduct in violation of ORS 746.600 to 746.690. [1981 c.649 §16; 1987 c.490 §54; 2003 c.87 §17; 2003 c.364 §164]
OR Rev Stat § 746.675 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.675 - Service of process on out-of-state insurance-support organizations.

For the purpose of ORS 746.600 to 746.690 and 750.055, an insurance-support organization transacting business outside this state which has an effect on a person residing in this state shall be considered to have appointed the Director of the Department of Consumer and Business Services to accept service of process on its behalf. Notice of such service shall be given forthwith by the director as provided for orders and notices under ORS 731.248 (3). [1981 c.649 §17; 1987 c.490 §55]
OR Rev Stat § 746.680 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.680 - Remedies.

(1) A person whose rights granted under ORS 746.607 (7), 746.640, 746.645 or 746.650 are violated may apply to the circuit court for the county in which the person resides, or any other court of competent jurisdiction, for appropriate equitable relief if an insurer, insurance producer or insurance-support organization fails to comply with ORS 746.607 (7), 746.640, 746.645 or 746.650. (2) A licensee or insurance-support organization that discloses information in violation of ORS 746.665 or a health insurer that uses or discloses information in violation of ORS 746.607 (1) or (2) is liable for damages sustained by the individual about whom the information relates. However, an individual is not entitled to a monetary award that exceeds the actual damages sustained by the individual as a result of the violation of ORS 746.607 (1) or (2) or 746.665. (3) In any action brought pursuant to this section, the court may award the cost of the action and reasonable attorney fees to the prevailing party. (4) An action under this section must be brought within two years from the date the alleged violation is or should have been discovered. (5) Except as specifically provided in this section, there shall be no remedy or recovery available to individuals, in law or in equity, for occurrences constituting a violation of any provision of ORS 746.600 to 746.690. [1981 c.649 §18; 1987 c.490 §56; 1995 c.618 §131; 2001 c.377 §28a; 2003 c.87 §18; 2003 c.364 §165a]
OR Rev Stat § 746.685 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.685 - Liability for disclosure of information.

No cause of action in the nature of defamation, invasion of privacy or negligence shall arise against any person for disclosing personal or privileged information in accordance with ORS 746.600 to 746.690 and 750.055, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurer, insurance producer or insurance-support organization. However, this section shall provide no immunity for disclosing or furnishing false information with malice or willful intent to injure any person. [1981 c.649 §19; 1987 c.490 §57; 2003 c.364 §166]
OR Rev Stat § 746.688 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.688 - Use of loss history reports; notice to consumer.

(1) An insurer or insurance producer shall notify a consumer that the insurer or insurance producer will request a loss history report relating to the consumer or property to be insured before the insurer or insurance producer may obtain the report. The notice may be oral, in writing or in the same medium as the medium in which previous communication between the consumer and the insurer or insurance producer has been conducted. (2) An insurance producer may provide a single notice under subsection (1) of this section to a consumer if the insurance producer makes loss history inquiries of one or more insurers in response to a request by the consumer relating to a homeowner insurance policy. (3) An insurer that uses loss history reports for underwriting or rating homeowner insurance shall instruct the insurer’s insurance producers that an insurance producer must notify the consumer that the insurance producer has requested a loss history report before the insurance producer may obtain the report. (4) An insurer that uses a loss history report of a consumer when considering an application for a homeowner insurance policy shall notify the consumer during the application process that the consumer may request a free copy of the loss history report from the consumer reporting agency and a written statement describing the insurer’s use of the report. The notice to the applicant may be in writing or in the same medium as the medium in which the application is made. The written statement must contain the following explanations: (a) The ways in which the insurer uses loss history reports; (b) How often the insurer reviews a consumer’s loss history report; and (c) The procedures a consumer may use to obtain additional information. [2005 c.489 §6]
OR Rev Stat § 746.690 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.690 - Obtaining information under false pretenses prohibited.

No person shall knowingly and willfully obtain information about an individual from an insurer, insurance producer or insurance-support organization under false pretenses. [1981 c.649 §20; 2003 c.364 §167]
OR Rev Stat § 746.991 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.991 - Penalties.

Violation of ORS 746.280 to 746.292 is a Class D violation. [1977 c.785 §8; 1999 c.1051 §221] Note: See note under 746.275.
OR Rev Stat § 747.080 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.080

[Amended by 1967 c.359 §510; renumbered 743.732]
OR Rev Stat § 747.082 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.082

[1961 c.569 §3; 1967 c.359 §520; renumbered 743.762]
OR Rev Stat § 747.084 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.084

[1961 c.569 §4; 1967 c.359 §521; renumbered 743.765]
OR Rev Stat § 747.086 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.086

[1961 c.569 §5; 1967 c.359 §522; renumbered 743.768]
OR Rev Stat § 747.100 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.100

[Amended by 1967 c.359 §511; renumbered 743.735]
OR Rev Stat § 747.110 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.110

[Amended by 1967 c.359 §512; renumbered 743.738]
OR Rev Stat § 747.130 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.130

[Amended by 1967 c.359 §513; renumbered 743.741]
OR Rev Stat § 747.140 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.140

[Amended by 1967 c.359 §514; renumbered 743.744]
OR Rev Stat § 747.150 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.150

[Amended by 1967 c.359 §515; renumbered 743.747]
OR Rev Stat § 747.170 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.170

[Amended by 1967 c.359 §517; renumbered 743.753]
OR Rev Stat § 747.180 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.180

[Amended by 1967 c.359 §518; renumbered 743.756]
OR Rev Stat § 747.190 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 747 - (Former Provisions)|Section 747.190

[Amended by 1967 c.359 §519; renumbered 743.759]
OR Rev Stat § 748.010 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.010

[Amended by 1955 c.465 §7; 1967 c.359 §108; renumbered 731.562]
OR Rev Stat § 748.084 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.084

[1955 c.465 §2; 1967 c.359 §94; renumbered 731.438]
OR Rev Stat § 748.086 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.086

[1955 c.465 §5; 1967 c.359 §572; renumbered 746.055]
OR Rev Stat § 748.103 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.103 - Definitions.

As used in this chapter: (1) "Benefit contract" means the agreement for provision of benefits authorized by ORS 748.201, as that agreement is described in ORS 748.211 (1). (2) "Benefit member" means an adult member who is designated by the laws or rules of the society to be a benefit member under a benefit contract. (3) "Certificate" means the document issued as written evidence of the benefit contract. (4) "Impaired" means either: (a) For a society that does not write variable contracts, whenever its assets are less than its total liabilities; or (b) For a society that does write variable contracts, whenever its assets are less than its total liabilities, plus the required surplus for a mutual life insurer to write such contracts. (5) "Laws" means the society’s articles of incorporation, constitution and bylaws, however designated. (6) "Lodge" means subordinate member units of the society, known as camps, courts, councils, branches or by any other designation. (7) "Premiums" means premiums, rates, dues or other required contributions by whatever name known, which are payable under the certificate. (8) "Rules" means all rules, regulations or resolutions adopted by the supreme governing body or board of directors which are intended to have general application to the members of the society. (9) "Society" means fraternal benefit society, unless otherwise indicated. [1987 c.490 §2]
OR Rev Stat § 748.106 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.106 - Description of fraternal benefit society.

Any corporation, society, order, supreme lodge or voluntary association, without capital stock, conducted solely for the benefit of its members and their beneficiaries and not-for-profit, operated on a lodge system with ritualistic form of work, having a representative form of government and which provides benefits in accordance with this chapter is hereby declared to be a fraternal benefit society. [1987 c.490 §3]
OR Rev Stat § 748.109 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.109 - Conditions constituting "operating on a lodge system."

(1) A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated or admitted in accordance with its laws, rules and ritual. Subordinate lodges shall be required by the laws of the society to hold regular meetings at least once each month in furtherance of the purposes of the society. (2) A society may, at its option, organize and operate lodges for children under the minimum age for adult membership. Membership and initiation in local lodges shall not be required of the children, nor shall the children have a voice or vote in the management of the society. [1987 c.490 §4]
OR Rev Stat § 748.112 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.112 - Conditions constituting "representative form of government."

A society has a representative form of government when: (1) It has a supreme governing body constituted as: (a) An assembly composed of delegates elected directly by the members or at intermediate assemblies or conventions of members or their representatives, together with other delegates as may be prescribed in the society’s laws. A society may provide for election of delegates by mail. The elected delegates shall constitute a majority in number and shall not have less than two-thirds of the votes and not less than the number of votes required to amend the society’s laws. The assembly shall be elected and shall meet at least once every four years and shall elect a board of directors to conduct the business of the society between meetings of the assembly. Vacancies on the board of directors between elections may be filled in the manner prescribed by the society’s laws; or (b) A board composed of persons elected by the members, either directly or by their representatives in intermediate assemblies, and any other persons prescribed in the society’s laws. A society may provide for election of the board by mail. Each term of a board member may not exceed four years. Vacancies on the board between elections may be filled in the manner prescribed by the society’s laws. Those persons elected to the board shall constitute a majority in number and not less than the number of votes required to amend the society’s laws. A person filling the unexpired term of an elected board member shall be considered to be an elected member. The board shall meet at least quarterly to conduct the business of the society; (2) The officers of the society are elected either by the supreme governing body or by the board of directors; (3) Only benefit members are eligible for election to the supreme governing body and the board of directors; and (4) Each voting member has one vote. No vote may be cast by proxy. [1987 c.490 §5]
OR Rev Stat § 748.121 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 748 - Fraternal Benefit Societies|Section 748.121 - Purposes, operation and powers.

(1) The purposes of a society, as specified in subsection (2) of this section, may be carried out directly by the society, or indirectly through subsidiary corporations or affiliated organizations. (2) A society shall operate for the benefit of members and their beneficiaries by: (a) Providing benefits as specified in ORS 748.201; and (b) Operating for one or more social, intellectual, educational, charitable, benevolent, moral, fraternal, patriotic or religious purposes for the benefit of its members, which may also be extended to others. (3) Every society shall have the power to adopt laws and rules for the government of the society, the admission of its members and the management of its affairs. It shall have the power to change, alter, add to or amend such laws and rules and shall have such other powers as are necessary and incidental to carrying into effect the objects and purposes of the society. [1987 c.490 §6]