reglab/housing_qa huggingface dataset:
OR Rev Stat § 746.465 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.465 - Records required of premium finance companies; form; inspection.

(1) Every premium finance company shall maintain records of its premium finance transactions and the records shall be open to examination and investigation by the Director of the Department of Consumer and Business Services. The director may at any time require the company to bring such records as the director may direct to the director’s office for examination. (2) Every premium finance company shall preserve its records of such premium finance transactions, including cards used in a card system, for at least three years after making the final entry in respect to any premium finance agreement. The preservation of records in photographic form shall constitute compliance with this requirement. [1969 c.639 §8]
OR Rev Stat § 746.470 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.470 - Prohibition against interfering with premium financing recommendation.

No insurer shall interfere in any way with the right of any person soliciting or procuring an application for its insurance policies to recommend to an insured any premium finance company. [1983 c.239 §5]
OR Rev Stat § 746.475 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.475 - Premium finance agreements; contents; form; delivery; notice to insurer.

(1) A premium finance agreement shall: (a) Be dated, signed by the insured or by any person authorized in writing to act in behalf of the insured, and the printed portion thereof shall be in at least eight-point type; (b) Contain the name and place of business of the insurance producer negotiating the related insurance policy, the name and residence or the place of business of the insured as specified by the insured, the name and place of business of the premium finance company to which payments are to be made, a description of the insurance policies involved and the amount of the premium therefor; and (c) Set forth the following items where applicable: (A) The total amount of the premiums. (B) The amount of the down payment. (C) The principal balance (the difference between items (A) and (B)). (D) The amount of the service charge. (E) The balance payable by the insured (sum of items (C) and (D)). (F) The number of payments required, the amount of each payment expressed in dollars, and the due date or period thereof. (2) The items set out in subsection (1)(c) of this section need not be stated in the sequence or order in which they appear in such paragraph, and additional items may be included to explain the computations made in determining the amount to be paid by the insured. (3) The premium finance company or the insurance producer shall deliver to the insured, or mail to the insured at the address shown in the agreement, a complete copy of the agreement. (4) A premium finance company shall give notice of its financing to the insurer not later than the 30th day after the date the premium financing agreement is received by the premium finance company. A notice given under this subsection shall be effective whether or not the insured’s policy number is set forth in the notice. [1969 c.639 §9; 1971 c.231 §38; 1983 c.239 §3; 2003 c.364 §148]
OR Rev Stat § 746.485 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.485 - Regulation of service charge for premium financing; method of computation; prepayment.

(1) A premium finance company shall not charge, contract for, receive, or collect a service charge other than as permitted by ORS 746.405 to 746.530. (2) The service charge is to be computed on the balance of the premiums due (after subtracting the down payment made by the insured in accordance with the premium finance agreement) from the effective date of the insurance coverage, for which the premiums are being advanced, to and including the date when the final payment of the premium finance agreement is payable. (3) The service charge shall not exceed interest at a rate authorized under this subsection plus an additional charge of 10 percent of the amount financed or $50, whichever amount is less, per premium finance agreement. The additional charge need not be refunded upon cancellation or prepayment. The rate of interest charged by a premium finance company on the amount of financed premium shall not exceed the nominal annual rate of five percentage points in excess of the discount rate, and any surcharge thereon, on 90-day commercial paper in effect at the Federal Reserve Bank in the Federal Reserve District which includes Oregon on the effective date of the insurance coverage or 18 percent, whichever is greater. (4) Any insured may prepay the premium finance agreement in full at any time before the due date of the final payment. In such event the unearned interest shall be refunded. The amount of any such refund shall be the total amount of interest due on the agreement less the interest earned to the installment date nearest the date of payment, computed by applying the actuarial method based on the annual percentage rate set forth on the premium finance agreement. [1969 c.639 §10; 1971 c.231 §39; 1983 c.239 §1]
OR Rev Stat § 746.495 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.495 - Delinquency charges regulated.

(1) A premium finance agreement may provide for the payment by the insured of a delinquency charge for any payment that is in default for a period of 10 days or more. Such charge may be made for each month or fraction thereof that the payment is in default. The amount of such charge may be a minimum of $1 and as a maximum shall be subject to the following limits: (a) For delinquent payments of less than $250, five percent of the payment or $5, whichever is less; or (b) For delinquent payments of $250 or more, two percent of the payment. (2) If a payment default results in the cancellation of any insurance policy listed in the agreement, the agreement may provide for the payment by the insured of a cancellation charge of $5, less any delinquency charges imposed in respect to the payment in default. [1969 c.639 §11]
OR Rev Stat § 746.505 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.505 - Cancellation of policy by premium finance company; notice required; effective date of cancellation.

(1) When a premium finance agreement contains a power of attorney enabling the premium finance company to cancel any insurance policy or policies listed in the agreement, the insurance policy or policies shall not be canceled by the premium finance company unless such cancellation is effectuated in accordance with this section. (2) Not less than 10 days’ written notice shall be mailed to the insured of the intent of the premium finance company to cancel the insurance policy unless the default is cured within such 10-day period. A copy of such notice shall also be mailed to the insurance producer indicated on the premium finance agreement. (3) After expiration of such 10-day period, the premium finance company may thereafter in the name of the insured cancel such insurance policy or policies by mailing to the insurer a notice of cancellation, and the insurance policy shall be canceled as if such notice of cancellation had been submitted by the insured, but without requiring the return of the insurance policy or policies. The premium finance company shall also mail a notice of cancellation to the insured at the last-known address of the insured and to the insurance producer indicated on the premium finance agreement. (4) All statutory, regulatory and contractual restrictions providing that the insurance policy may not be canceled unless notice is given to a governmental agency, mortgagee, or other third party shall apply where cancellation is effected under the provisions of this section. The insurer shall give the prescribed notice on behalf of itself or the insured to any governmental agency, mortgagee, or other third party on or before the second business day after the day it receives the notice of cancellation from the premium finance company and shall determine the effective date of cancellation taking into consideration the number of days’ notice required to complete the cancellation. [1969 c.639 §12; 1983 c.239 §2; 2003 c.364 §149]
OR Rev Stat § 746.515 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.515 - Return of unearned premiums on cancellation.

(1) Whenever a financed insurance policy is canceled, the insurer who has been notified as provided in ORS 746.475 (4) shall return whatever gross unearned premiums are due under the insurance policy to the premium finance company for the account of the insured or insureds not later than the 30th day after the date of cancellation. If the insurer elects to return the premium through the insurance producer, the insurance producer shall transmit the unearned premium to the premium finance company within the 30-day period. The insurer, on written notice of any failure of the insurance producer to transmit the premium and not later than the 30th day after the notice, shall pay the amount of return premium directly to the premium finance company. (2) In calculating the gross unearned premium due under a financed insurance policy, the insurer shall use the prorate method of calculation. (3) In the event that the crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured provided that no such refund shall be required if it amounts to less than $1. [1969 c.639 §13; 1983 c.239 §7; 2003 c.364 §150]
OR Rev Stat § 746.525 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.525 - Agreement effective as security interest.

No filing of the premium finance agreement shall be necessary to perfect the validity of such agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, encumbrancers, successors or assigns. [1969 c.639 §14]
OR Rev Stat § 746.530 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.530 - Attorney fees.

In any action to enforce any right created by ORS 746.405 to 746.530, the prevailing party may be awarded a reasonable amount, to be fixed by the court, as attorney fees. The amount may be taxed as part of the cost of the action and any appeal thereon. [1983 c.239 §6]
OR Rev Stat § 746.605 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.605 - Purpose.

The purpose of ORS 746.600 to 746.690 is to: (1) Establish standards for the collection, use and disclosure of personal information gathered in connection with insurance transactions by insurers, insurance producers or insurance-support organizations; (2) Maintain a balance between the need for personal information by those conducting the business of insurance and the public’s need for fairness in insurance information practices, including the need to minimize intrusiveness; (3) Establish a regulatory mechanism to enable natural persons to ascertain what personal information is being or has been collected about them in connection with insurance transactions and to have access to this personal information for the purpose of verifying or disputing its accuracy; (4) Limit the disclosure of personal information collected in connection with insurance transactions; and (5) Enable insurance applicants and policyholders to obtain the reasons for any adverse underwriting decision. [1981 c.649 §2; 1987 c.490 §51; 2003 c.87 §7; 2003 c.364 §152]
OR Rev Stat § 746.606 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.606 - Information privacy standards for health insurers.

ORS 746.607 and 746.608 establish standards for health insurers that are subject to the information privacy provisions of both the federal Health Insurance Portability and Accountability Act of 1996 (P.L. 104-191) and the federal Gramm-Leach-Bliley Act (P.L. 106-102). These standards address: (1) Use and disclosure of personal information; (2) Access of individuals to personal information; (3) Notice of privacy practices for personal information; (4) Amendment of personal information; and (5) Accounting of disclosures of personal information. [2003 c.87 §2]
OR Rev Stat § 746.608 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.608 - Rules.

(1) The Director of the Department of Consumer and Business Services shall adopt rules implementing ORS 746.607. In adopting rules under this section, the director shall consider the information privacy provisions of the federal Health Insurance Portability and Accountability Act of 1996 (P.L. 104-191) and the federal Gramm-Leach-Bliley Act (P.L. 106-102). (2) The rules adopted under subsection (1) of this section shall include but are not limited to: (a) Permitted uses and disclosures of: (A) Personal financial information for business, professional or insurance purposes; and (B) Protected health information for treatment, payment and health care operations. (b) Requirements for notice of privacy practices for protected health information and notice of information practices for personal financial information. [2003 c.87 §4]
OR Rev Stat § 746.609 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.609 - Exemptions for health insurers.

ORS 746.620, 746.630, 746.640, 746.645 and 746.665 do not apply to health insurers. [2003 c.87 §5]
OR Rev Stat § 746.610 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.610 - Application of ORS 746.600 to 746.690.

(1) Except as otherwise provided in ORS 746.606, 746.607, 746.608 and 746.609, the obligations imposed by ORS 746.600 to 746.690 apply to those insurers, insurance producers and insurance-support organizations that: (a) In the case of life or health insurance: (A) Collect, receive or maintain personal information, in connection with insurance transactions, that pertains to natural persons who are residents of this state; or (B) Engage in insurance transactions with applicants, individuals or policyholders who are residents of this state. (b) In the case of other kinds of insurance: (A) Collect, receive or maintain personal information in connection with insurance transactions involving policies or certificates of insurance delivered, issued for delivery or renewed in this state; or (B) Engage in insurance transactions involving policies or certificates of insurance delivered, issued for delivery or renewed in this state. (2) The rights granted by ORS 746.600 to 746.690 extend to: (a) In the case of life or health insurance, the following persons who are residents of this state: (A) Natural persons who are the subject of personal information collected, received or maintained in connection with insurance transactions; and (B) Applicants, individuals or policyholders who engage in or seek to engage in insurance transactions. (b) In the case of other kinds of insurance, the following persons: (A) Natural persons who are the subject of personal information collected, received or maintained in connection with insurance transactions involving policies or certificates of insurance delivered, issued for delivery or renewed in this state; and (B) Applicants, individuals or policyholders who engage in or seek to engage in insurance transactions involving policies or certificates of insurance delivered, issued for delivery or renewed in this state. (3) For purposes of this section, a person is considered a resident of this state if the person’s last-known mailing address, as shown in the records of the insurer, insurance producer or insurance-support organization, is located in this state. (4) Notwithstanding subsections (1) and (2) of this section, ORS 746.600 to 746.690 do not apply to personal information collected from the public records of a governmental authority and maintained by an insurer or its representatives for the purpose of insuring the title to real property located in this state. [1981 c.649 §3; 1987 c.490 §52; 2003 c.87 §8; 2003 c.364 §153]
OR Rev Stat § 746.611 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.611 - Personal representative of deceased person.

If no person has been appointed as a personal representative under ORS chapter 113 or a person appointed as a personal representative under ORS chapter 113 has been discharged, the personal representative of a deceased individual shall be the first of the following persons, in the following order, who may be located upon reasonable effort by the covered entity and who is willing to serve as the personal representative: (1) A person appointed as guardian under ORS 125.305, 419B.372, 419C.481 or 419C.555 with authority to make medical and health care decisions at the time of the individual’s death. (2) The individual’s spouse. (3) An adult designated in writing by the persons listed in this section, if no person listed in this section objects to the designation. (4) A majority of the adult children of the individual who can be located. (5) Either parent of the individual or an individual acting in loco parentis to the individual. (6) A majority of the adult siblings of the individual who can be located. (7) Any adult relative or adult friend. [2005 c.253 §5]
OR Rev Stat § 746.612 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.612 - No right of action.

Nothing in ORS 746.607 may be construed to create a new private right of action against a health insurer. [2003 c.87 §18a]
OR Rev Stat § 746.615 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.615 - Pretext interviews prohibited.

An insurer, insurance producer or insurance-support organization may not use or authorize the use of pretext interviews to obtain personal information in connection with an insurance transaction. However, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally recognized or statutorily recognized privileged relationship with the person about whom the information relates, for the purpose of investigating a claim where, based upon specific information available for review by the Director of the Department of Consumer and Business Services, there is a reasonable basis for suspecting criminal activity, fraud, material misrepresentation or material nondisclosure in connection with the claim. [1981 c.649 §5; 2003 c.87 §9; 2003 c.364 §154]
OR Rev Stat § 746.625 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.625 - Marketing and research surveys.

An insurer or insurance producer shall clearly identify those questions that are designed to obtain personal information solely for marketing or research purposes from an individual in connection with an insurance transaction. [1981 c.649 §7; 2003 c.87 §11; 2003 c.364 §156]
OR Rev Stat § 746.630 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.630 - Authorization for disclosure of certain information; forms; revocation.

(1) Notwithstanding any other law of this state, a licensee or insurance-support organization may not use as its disclosure authorization form in connection with insurance transactions a form or statement that authorizes the disclosure of personal or privileged information about an individual to the licensee or insurance-support organization unless the form or statement is clear and conspicuous, and contains all of the following: (a) The identity of the individual who is the subject of the personal information. (b) A general description of the categories of personal information to be disclosed. (c) General descriptions of the parties to whom the licensee discloses personal information, the purpose of the disclosure and how the personal information may be used. (d) The signature of the individual who is the subject of the personal information or the individual who is legally empowered to grant authority and the date signed. (e) Notice of the length of time for which the authorization is valid, that the individual may revoke the authorization at any time and the procedure for making a revocation. (2) An authorization is not valid for more than 24 months. (3) An individual who is the subject of personal information may revoke an authorization provided pursuant to this section at any time, subject to the rights of any individual who acted in reliance on the authorization prior to notice of the revocation. (4) A licensee must retain the authorization of an individual or a copy thereof in the record of the individual who is the subject of the personal information. (5) A disclosure authorization obtained by an insurer, insurance producer or insurance-support organization from an individual prior to January 1, 1983, is considered to be in compliance with this section. [1981 c.649 §8; 2001 c.377 §27; 2003 c.87 §12; 2003 c.364 §157]
OR Rev Stat § 746.632 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 746 - Trade Practices|Section 746.632 - Genetic information used for treatment; authorization; disclosure.

(1) Notwithstanding ORS 192.537 (3), a health insurer may retain genetic information of an individual without obtaining an authorization from the individual or a personal representative of the individual if the retention is for treatment, payment or health care operations by the insurer. (2) Notwithstanding ORS 192.539 (1), a health insurer may disclose genetic information of an individual without obtaining an authorization from the individual or a personal representative of the individual if the insurer discloses the genetic information in accordance with ORS 746.607 (3). (3) As used in this section, "retain genetic information" has the meaning given that term in ORS 192.531. (4) As used in this section, "health care operations" does not include underwriting activities. (5) Nothing in this section shall be construed to interfere with or limit the requirements of ORS 746.135. [2007 c.800 §8]