reglab/housing_qa huggingface dataset:
GA Code § 33-39-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-2. Applicability of Obligations Imposed by Chapter; Extension of Rights Granted by Chapter; Applicability of Chapter to Information From Public Records Pertaining to Title Insurance

  The obligations imposed by this chapter shall apply to those insurance institutions, agents, or insurance-support organizations which:   In the case of life, health, or disability insurance:   Collect, receive, or maintain information which pertains to natural persons who are residents of this state in connection with insurance transactions; or   Engage in insurance transactions with applicants, individuals, or policyholders who are residents of this state; and     In the case of property or casualty insurance:   Collect, receive, or maintain information in connection with insurance transactions involving policies, contracts, or certificates of insurance delivered, issued for delivery, or renewed in this state; or   Engage in insurance transactions involving policies, contracts, or certificates of insurance delivered, issued for delivery, or renewed in this state.       The rights granted by this chapter shall extend to:   In the case of life, health, or disability insurance, the following persons who are residents of this state:   Natural persons who are the subject of information collected, received, or maintained in connection with insurance transactions; and   Applicants, individuals, or policyholders who engage in or seek to engage in insurance transactions; and     In the case of property or casualty insurance, the following persons:   Natural persons who are the subject of information collected, received, or maintained in connection with insurance transactions involving policies, contracts, or certificates of insurance delivered, issued for delivery, or renewed in this state; and   Applicants, individuals, or policyholders who engage in or seek to engage in insurance transactions involving policies, contracts, or certificates of insurance delivered, issued for delivery, or renewed in this state.       For purposes of this Code section, a person shall be considered a resident of this state if the person's last known mailing address, as shown in the records of the insurance institution, agent, or insurance-support organization, is located in this state.   Notwithstanding subsections (a) and (b) of this Code section, this chapter shall not apply to information collected from the public records of a governmental authority and maintained by an insurance institution or its representatives for the purpose of insuring the title to real property located in this state.     (Code 1981, §33-39-2, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1985, p. 149, § 33; Ga. L. 2019, p. 386, § 145/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted ", on or after January 1, 1984" following "which" at the end of subsection (a).
GA Code § 33-39-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-4. Pretext Interviews

 No insurance institution, agent, or insurance-support organization shall use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction; provided, however, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally 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 Commissioner, there is a reasonable basis for suspecting criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with the claim.    (Code 1981, §33-39-4, enacted by Ga. L. 1982, p. 615, § 1.)
GA Code § 33-39-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-6. Specification of Questions Designed to Obtain Marketing or Research Information

 An insurance institution or agent shall clearly specify those questions designed to obtain information solely for marketing or research purposes from an individual in connection with an insurance transaction.    (Code 1981, §33-39-6, enacted by Ga. L. 1982, p. 615, § 1.)
GA Code § 33-39-7 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-7. Disclosure Authorization Forms Authorizing Disclosure of Personal or Privileged Information

 Notwithstanding any other provision of law of this state, no insurance institution, agent, or insurance-support organization may utilize as its disclosure authorization form in connection with insurance transactions a form or statement which authorizes the disclosure of personal or privileged information about an individual to the insurance institution, agent, or insurance-support organization unless the form or statement:    Is written in plain language;   Is dated;   Specifies the types of persons authorized to disclose information about the individual;   Specifies the nature of the information authorized to be disclosed;   Names the insurance institution or agent and identifies by generic reference representatives of the insurance institution to whom the individual is authorizing information to be disclosed;   Specifies the purposes for which the information is collected;   Specifies the length of time such authorization shall remain valid, which shall be no longer than:   In the case of authorizations signed for the purpose of collecting information in connection with an application for an insurance policy, a policy reinstatement or a request for change in policy benefits:   Thirty months from the date the authorization is signed if the application or request involves life, health, or disability insurance;   One year from the date the authorization is signed if the application or request involves property or casualty insurance; or     In the case of authorizations signed for the purpose of collecting information in connection with a claim for benefits under an insurance policy:   The term of coverage of the policy if the claim is for a health insurance benefit;   The duration of the claim if the claim is not for a health insurance benefit; and       Advises the individual or person authorized to act on behalf of the individual that the individual or the individual's authorized representative is entitled to receive a copy of the authorization form.     (Code 1981, §33-39-7, enacted by Ga. L. 1982, p. 615, § 1.)
GA Code § 33-39-8 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-8. Investigative Consumer Reports

  No insurance institution, agent, 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 insurance institution or agent informs the individual:   That he or she may request to be interviewed in connection with the preparation of the investigative consumer report; and   That upon a request pursuant to Code Section 33-39-9, he or she is entitled to receive a copy of the investigative consumer report.     If an investigative consumer report is to be prepared by an insurance institution or agent, the insurance institution or agent shall institute reasonable procedures to conduct a personal interview requested by an individual.   If an investigative consumer report is to be prepared by an insurance-support organization, the insurance institution or agent desiring such 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 interviews, if requested.     (Code 1981, §33-39-8, enacted by Ga. L. 1982, p. 615, § 1.)
GA Code § 33-39-12 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-12. Requests for Information Regarding Previous Adverse Underwriting Decisions or Previous Coverage Obtained Through Residual Market Mechanism

 No insurance institution, agent, 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 such 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.      (Code 1981, §33-39-12, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1992, p. 6, § 33.)
GA Code § 33-39-13 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-13. Limitation of Adverse Underwriting Decisions

  No insurance institution or agent may base an adverse underwriting decision in whole or in part:   On the fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism; provided, however, an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision;   On personal information received from an insurance-support organization whose primary source of information is insurance institutions; provided, however, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as the result of information received from such insurance-support organization.     With respect to a personal or family type policy of motor vehicle insurance, no insurance institution or agent may base an adverse underwriting decision solely on the fact that the applicant has never purchased such a policy of motor vehicle insurance or has not owned or been covered by such a policy of motor vehicle insurance during any specified period immediately preceding the date of application.     (Code 1981, §33-39-13, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1984, p. 22, § 33; Ga. L. 1989, p. 642, § 1.)
GA Code § 33-39-15 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-15. Investigations by Commissioner Into Affairs of Insurance Institutions, Agents, or Insurance-Support Organizations

  The Commissioner shall have power to examine and investigate into the affairs of every insurance institution or agent doing business in this state to determine whether the insurance institution or agent has been or is engaged in any conduct in violation of this chapter.   The Commissioner shall have the power to examine and investigate into the affairs of every insurance-support organization acting on behalf of an insurance institution or agent which either transacts business in this state or transacts business outside this state that has an effect on a person residing in this state in order to determine whether such insurance-support organization has been or is engaged in any conduct in violation of this chapter.     (Code 1981, §33-39-15, enacted by Ga. L. 1982, p. 615, § 1.)
GA Code § 33-39-16 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-16. Violations of Chapter; Service of Statement of Charges and Notice of Hearing; Conduct of Hearing

  Whenever the Commissioner has reason to believe that an insurance institution, agent, or insurance-support organization has been or is engaged in conduct in this state which violates this chapter, or if the Commissioner believes that an insurance-support organization has been or is engaged in conduct outside this state which has an effect on a person residing in this state and which violates this chapter, the Commissioner shall issue and serve upon such insurance institution, agent, or insurance-support organization a statement of charges and notice of hearing to be held at a time and place fixed in the notice. The date for such hearing shall be not less than 30 days after the date of service.   At the time and place fixed for such hearing the insurance institution, agent, or insurance-support organization charged shall have an opportunity to answer the charges against it and present evidence on its behalf. Upon good cause shown, the Commissioner shall permit any adversely affected person to intervene, appear, and be heard at such hearing by counsel or in person.   At any hearing conducted pursuant to this Code section, the Commissioner may administer oaths, examine and cross-examine witnesses, and receive oral and documentary evidence. The Commissioner shall have the power to subpoena witnesses, compel their attendance, and require the production of books, papers, records, correspondence, and other documents which are relevant to the hearing. A stenographic record of the hearing shall be made upon the request of any party or at the discretion of the Commissioner. If no stenographic record is made and if judicial review is sought, the Commissioner shall prepare a statement of the evidence for use on review. Hearings conducted under this Code section shall be governed by the same rules of evidence and procedure as set forth in Chapter 2 of this title.   Statements of charges, notices, orders, and other processes of the Commissioner under this chapter may be served by anyone duly authorized to act on behalf of the Commissioner. Service of process may be completed in the manner provided by law for service of process in civil actions or by registered mail or statutory overnight delivery. A copy of the statement of charges, notice, order, or other process shall be provided to the person or persons whose rights under this chapter have been allegedly violated. A verified return setting forth the manner of service, or return postcard receipt in the case of registered mail or statutory overnight delivery shall be sufficient proof of service.     (Code 1981, §33-39-16, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1984, p. 22, § 33; Ga. L. 2000, p. 1589, § 4.)   Editor's notes.   - Ga. L. 2000, p. 1589, § 16, not codified by the General Assembly, provides that the amendment to subsection (d) is applicable with respect to notices delivered on or after July 1, 2000.
GA Code § 33-39-17 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-17. Commissioner as Appointed to Accept Service on Behalf of Insurance-Support Organization Transacting Business Outside State

 For the purpose of this chapter, an insurance-support organization transacting business outside this state which has an effect on a person residing in this state shall be deemed to have appointed the Commissioner to accept service of process on its behalf, provided the Commissioner causes a copy of such service to be mailed forthwith by registered mail or statutory overnight delivery to the insurance-support organization at its last known principal place of business. The return postcard receipt for such mailing shall be sufficient proof that the same was properly mailed by the Commissioner.    (Code 1981, §33-39-17, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 2000, p. 1589, § 4.)   Editor's notes.   - Ga. L. 2000, p. 1589, § 16, not codified by the General Assembly, provides that the amendment to this Code section is applicable with respect to notices delivered on or after July 1, 2000.
GA Code § 33-39-18 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-18. Service of Findings and Cease and Desist Orders of Commissioner; Modification or Setting Aside of Order or Report

  If, after a hearing pursuant to Code Section 33-39-16, the Commissioner determines that the insurance institution, agent, or insurance-support organization charged has engaged in conduct or practices in violation of this chapter, the Commissioner shall reduce his or her findings to writing and shall issue and cause to be served upon such insurance institution, agent, or insurance-support organization a copy of such findings and an order requiring such insurance institution, agent, or insurance-support organization to cease and desist from the conduct or practices constituting violation of this chapter.   If, after a hearing pursuant to Code Section 33-39-16, the Commissioner determines that the insurance institution, agent, or insurance-support organization charged has not engaged in conduct or practices in violation of this chapter, the Commissioner shall prepare a written report which sets forth findings of fact and conclusions of law. Such report shall be served upon the insurance institution, agent, or insurance-support organization charged and upon the person or persons, if any, whose rights under this chapter were allegedly violated.   Until the expiration of the time allowed under Code Section 33-39-20 for filing a petition for review or until such petition is actually filed, whichever occurs first, the Commissioner may modify or set aside any order or report issued under this Code section. After the expiration of the time allowed under Code Section 33-39-20 for filing a petition for review, if no such petition has been duly filed, the Commissioner may, after notice and opportunity for hearing, alter, modify, or set aside, in whole or in part, any order or report issued under this Code section whenever conditions of fact or law warrant such action or if the public interest so requires.     (Code 1981, §33-39-18, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1984, p. 22, § 33.)
GA Code § 33-39-19 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-19. Monetary Penalty for Knowing Violations of Chapter; Monetary Penalty for Violation of Cease and Desist Order

  In any case where a hearing pursuant to Code Section 33-39-16 results in the finding of a knowing violation of this chapter, the Commissioner may, in addition to the issuance of a cease and desist order as prescribed in Code Section 33-39-18, order payment of a monetary penalty of not more than $500.00 for each violation but not to exceed $10,000.00 in the aggregate for multiple violations.   Any person who violates a cease and desist order of the Commissioner under Code Section 33-39-18 may, after notice and hearing and upon order of the Commissioner, be subject to one or more of the following penalties, at the discretion of the Commissioner:   A monetary fine of not more than $10,000.00 for each violation;   A monetary fine of not more than $50,000.00 if the Commissioner finds that violations have occurred with such frequency as to constitute a general business practice; or   Suspension or revocation of an insurance institution's or agent's license.       (Code 1981, §33-39-19, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1984, p. 22, § 33.)
GA Code § 33-39-20 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions|§ 33-39-20. Order or Report of Commissioner

  Any person subject to an order of the Commissioner under Code Section 33-39-18 or Code Section 33-39-19 or any person whose rights under this chapter were allegedly violated may obtain a review of any order or report of the Commissioner by filing in the Superior Court of Fulton County, within 30 days from the date of the service of such order or report, a written petition requesting that the order or report of the Commissioner be set aside. A copy of such petition shall be simultaneously served upon the Commissioner, who shall forthwith certify and file in such court a transcript of the entire record of the proceeding giving rise to the order or report which is the subject of the petition. Upon filing of the petition and transcript the court shall have jurisdiction to make and enter a decree modifying, affirming, or reversing any order or report of the Commissioner, in whole or in part. The findings of the Commissioner as to the facts supporting any order or report, if supported by any evidence, shall be conclusive.   To the extent an order or report of the Commissioner is affirmed, the court shall issue its own order commanding obedience to the terms of the order or report of the Commissioner. If any party affected by an order or report of the Commissioner shall apply to the court for leave to produce additional evidence and shall show to the satisfaction of the court that such additional evidence is material and that there are reasonable grounds for the failure to produce such evidence in prior proceedings, the court may order such additional evidence to be taken before the Commissioner in such manner and upon such terms and conditions as the court may deem proper. The Commissioner may modify his or her findings of fact or make new findings by reason of the additional evidence so taken and shall file such modified or new findings along with any recommendation, if any, for the modification or revocation of a previous order or report. If supported by clear and convincing evidence, the modified or new findings shall be conclusive as to the matters contained therein.   An order or report issued by the Commissioner under Code Section 33-39-18 or 33-39-19 shall become final:   Upon the expiration of the time allowed for the filing of a petition for review, if no such petition has been duly filed except that the Commissioner may modify or set aside an order or report to the extent provided in subsection (c) of Code Section 33-39-18; or   Upon a final decision of the superior court if it directs that the order or report of the Commissioner be affirmed or the petition for review dismissed.     No order or report of the Commissioner under this chapter or order of the court to enforce the same shall in any way relieve or absolve any person affected by such order or report from any liability under any law of this state.     (Code 1981, §33-39-20, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1983, p. 3, § 24.)