reglab/housing_qa huggingface dataset:
NV Rev Stat § 685B.060 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.060 - Bond for defense of action.

  1. Before any unauthorized insurer files or causes to be filed any pleading in any court action, suit or proceeding or any notice, order, pleading or process in an administrative proceeding before the Commissioner instituted against such person or insurer, by service made as provided in NRS 685B.050, such insurer shall either:  (a) Deposit with the clerk of the court in which such action, suit or proceeding is pending, or with the Commissioner in administrative proceedings before the Commissioner, cash or securities, or file with such clerk or the Commissioner a bond with good and sufficient sureties, to be approved by the clerk or the Commissioner in an amount to be fixed by the court or Commissioner sufficient to secure the payment of any final judgment which may be rendered in such action or administrative proceeding; or  (b) Procure a certificate of authority to transact the business of insurance in this state. In considering the application of an insurer for a certificate of authority, for the purposes of this paragraph the Commissioner need not assert the provisions of NRS 680A.330 against such insurer with respect to its application if the Commissioner determines that such company would otherwise comply with the requirements for such certificate of authority.  2. The Commissioner, in any administrative proceeding in which service is made as provided in NRS 685B.050, may in the discretion of the Commissioner order such postponement as may be necessary to afford the defendant reasonable opportunity to comply with the provisions of paragraph (a) of subsection 1 and to defend such action.  3. Nothing in subsection 1 shall be construed to prevent an unauthorized insurer from filing a motion to quash a writ or to set aside service thereof made in the manner provided in NRS 685B.050, on the ground that such unauthorized insurer has not done any of the acts enumerated in NRS 685B.030.  (Added to NRS by 1971, 1685)
NV Rev Stat § 685B.080 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.080 - Penalty; liability for payment of premium taxes.

  1. Any unauthorized insurer who transacts any unauthorized act of an insurance business as set forth in the Unauthorized Insurers Act may be fined not more than $10,000 for each act or violation.  2. In addition to the penalties provided in subsection 1, such a violator is liable, personally, jointly and severally with any other person liable therefor, for the payment of premium taxes at the same rate of tax as imposed by law on the premiums of similar coverages written by authorized insurers.  (Added to NRS by 1971, 1686; A 1993, 2393; 2003, 3303; 2005, 2131)
NV Rev Stat § 685B.083 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.083 - Penalty for representing or aiding unauthorized insurer.

Any producer of insurance or surplus lines broker licensed in this State who in this State knowingly represents or aids an unauthorized insurer in violation of the Unauthorized Insurers Act is guilty of a category B felony and shall be punished as provided in NRS 193.130.  (Added to NRS by 2005, 2131)
NV Rev Stat § 685B.087 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.087 - Penalty for unauthorized insurance business.

Any insurer who transacts any unauthorized insurance business as set forth in NRS 685B.030 is guilty of a category B felony and shall be punished as provided in NRS 193.130.  (Added to NRS by 2005, 2131)
NV Rev Stat § 685B.090 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.090 - Short title.

This section and NRS 685B.100 and 685B.110 constitute and may be referred to as the Unauthorized Insurers False Advertising Process Act.  (Added to NRS by 1971, 1687)
NV Rev Stat § 685B.100 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.100 - Notice to supervisory officer of insurer’s domiciliary state or province.

No unauthorized insurer through any estimate, illustration, circular, pamphlet, letter, announcement, statement or any other means or medium shall misrepresent to any person in this State its financial condition or the terms of any contract issued or to be issued by it or the advantages thereof, or the dividends or share to be received thereon. Whenever the Commissioner has reason to believe that any such insurer is so misrepresenting, the Commissioner shall notify the insurer and the insurance supervisory officer of the insurer’s domiciliary state or province by registered or certified mail.  (Added to NRS by 1971, 1687)
NV Rev Stat § 685B.110 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.110 - Action by Commissioner.

  1. If within 30 days following the giving of the notice provided for in NRS 685B.100 the insurer has not ceased such dissemination, and if the Commissioner has reason to believe that such insurer is soliciting, issuing or delivering contracts of insurance to residents of this State or collecting premiums on such contracts or performing any other transaction in connection with such insurance, and that a proceeding by the Commissioner in respect to such matters would be to the interest of the public, the Commissioner shall take action against such insurer under the provisions of NRS 686A.180 (trade practices act, service of process on unauthorized insurers).  2. If upon such hearing the Commissioner finds that the insurer has misrepresented as referred to in NRS 685B.100, the Commissioner shall by order on such hearing require the insurer to cease and desist from such violation, and shall mail a copy of the order by registered or certified mail to the insurer at its principal place of business last of record with the Commissioner and to the insurance supervisory officer of the insurer’s domiciliary state or province. Each violation thereafter of such desist order shall subject the insurer to a penalty of $2,000, to be recovered by a civil action brought against the insurer by the Commissioner. Service of process upon the insurer in such action may be made upon the Commissioner pursuant to NRS 685B.050 or 686A.180 or in any other lawful manner.  (Added to NRS by 1971, 1687)
NV Rev Stat § 685B.120 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.120 - Person providing specified coverage; exception.

  1. Any person who provides coverage in this State for the cost of:  (a) Medical care;  (b) Surgery;  (c) Chiropractic;  (d) Physical therapy;  (e) Speech-language pathology;  (f) Audiology;  (g) Professional care of mental health;  (h) Dental care;  (i) Hospital care;  (j) Ophthalmic care; or  (k) Ambulance services,  whether the coverage provides for direct payment, reimbursement or any other method of payment, is subject to regulation by the Division and to the provisions of this Code unless the person shows that while providing such coverage the person is subject to regulation by the Federal Government.  2. A nonprofit corporation that provides prepaid ambulance services is not subject to regulation by the Division or to the provisions of this Code if the corporation presents evidence satisfactory to the Commissioner that the corporation is subject to regulation by a political subdivision of this State pursuant to an exclusive franchise which limits the number of times any such prepaid services may be used to a defined number that are medically necessary.  (Added to NRS by 1983, 959; A 1991, 1628; 1993, 1917, 2593; 1995, 579)
NV Rev Stat § 685B.130 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.130 - Proof of regulation by Federal Government.

A person may show that the person is subject to regulation by an agency of the Federal Government by providing the Commissioner with the appropriate certificate or other document which permits the person to provide those services.  (Added to NRS by 1983, 960)
NV Rev Stat § 685B.140 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.140 - Submission to examination of Commissioner.

Any person who is unable to show, upon request by the Commissioner, that the person is subject to regulation by an agency of the Federal Government or, if the person is providing prepaid ambulance services, by a political subdivision of this State pursuant to an exclusive franchise, shall submit to an examination by the Commissioner to determine the organization and solvency of the person and to determine whether the person is in compliance with the applicable provisions of this Code.  (Added to NRS by 1983, 960; A 1993, 2593)
NV Rev Stat § 685B.150 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.150 - Information to be provided to agents, brokers and others.

An administrator who advertises or administers coverage in this State which is:  1. Of a kind described in NRS 685B.120; and  2. Provided by a person described in NRS 685B.140,  shall inform each agent, broker or other person who advertises, procures, renews, continues, sells or negotiates or solicits the sale of such coverage of the elements of the coverage, including the amount of excess insurance or reinsurance in effect.  (Added to NRS by 1983, 960)
NV Rev Stat § 685B.160 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.160 - Statement of charges; notice of hearing.

  1. If the Commissioner has reason to believe that a person described in NRS 685B.140 is providing any type of coverage described in NRS 685B.120, the Commissioner may:  (a) Issue a statement of charges and a notice of a hearing to be held on those charges; and  (b) Serve the statement and notice upon the person so charged.  2. The statement and notice must be:  (a) Issued as provided in NRS 679B.320; and  (b) Served personally or by certified or registered mail.  (Added to NRS by 1983, 960)
NV Rev Stat § 685B.170 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.170 - Order after hearing; administrative fines; modification of order.

  1. After the Commissioner conducts a hearing pursuant to NRS 685B.160, the Commissioner shall issue an order pursuant to NRS 679B.360. If the Commissioner determines that the person being charged has engaged in a practice prohibited by this Code, the Commissioner shall order the person to cease and desist from that practice.  2. If the person knew or reasonably should have known that he or she was in violation of this Code, the Commissioner may order the person to pay an administrative fine of not more than $10,000 for each act or violation.  3. The Commissioner may modify or set aside, in whole or in part, any order issued by him or her pursuant to this section, but any such action must be made before the expiration of the period for appeal or before the official record in the proceeding has been filed with the court.  (Added to NRS by 1983, 960; A 1993, 2393)
NV Rev Stat § 685B.180 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.180 - Review of order; time order becomes final.

  1. An order issued pursuant to NRS 685B.170 may be reviewed pursuant to NRS 679B.370.  2. Such an order becomes final:  (a) Upon the expiration of the time for taking an appeal, if no petition for review has been filed; or  (b) Upon the final decision of the court.  (Added to NRS by 1983, 961)
NV Rev Stat § 685B.190 (2021)
2021 Nevada Revised Statutes|Chapter 685B - Unauthorized Insurers; Prohibitions, Process and Advertising|NRS 685B.190 - Administrative fine for violation.

If a person violates an order issued pursuant to NRS 685B.170, the Commissioner may impose an administrative fine after giving notice and a hearing. Such a fine may not be more than $5,000 for each violation.  (Added to NRS by 1983, 961)
NV Rev Stat § 686A.010 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.010 - Purpose.

The purpose of NRS 686A.010 to 686A.310, inclusive, is to regulate trade practices in the business of insurance in accordance with the intent of Congress as expressed in the Act of Congress approved March 9, 1945, being c. 20, 59 Stat. 33, also designated as 15 U.S.C. §§ 1011 to 1015, inclusive, and Title V of Public Law 106-102, 15 U.S.C. §§ 6801 et seq.  (Added to NRS by 1971, 1688; A 2001, 2214; 2019, 1601)
NV Rev Stat § 686A.015 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.015 - Jurisdiction of Commissioner; Commissioner to establish program to investigate unfair and deceptive trade practices.

  1. Notwithstanding any other provision of law, the Commissioner has exclusive jurisdiction in regulating the subject of trade practices in the business of insurance in this state.  2. The Commissioner shall establish a program within the Division to investigate any act or practice which constitutes an unfair or deceptive trade practice in violation of the provisions of NRS 686A.010 to 686A.310, inclusive.  (Added to NRS by 1975, 1284; A 1995, 2698)
NV Rev Stat § 686A.020 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.020 - Unfair methods and deceptive acts prohibited.

A person shall not engage in this state in any practice which is defined in NRS 686A.010 to 686A.310, inclusive, as, or determined pursuant to NRS 686A.170 to be, an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.  (Added to NRS by 1971, 1688; A 1975, 1287; 1977, 432)
NV Rev Stat § 686A.025 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.025 - Unfair acts and practices: Disclosure of nonpublic personal information in manner contrary to federal law.

  1. Disclosure of nonpublic personal information in a manner contrary to the provisions of subchapter 1 of Title V of Public Law 106-102, 15 U.S.C. §§ 6801-6809 is an unfair act or practice in the business of insurance within the meaning of this chapter.  2. As used in this section, "nonpublic personal information" has the meaning ascribed to it in 15 U.S.C. § 6809(4).  3. The Commissioner shall adopt regulations necessary to carry out the provisions of this section.  (Added to NRS by 2001, 2214)
NV Rev Stat § 686A.027 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.027 - Unfair acts and practices: Use of contractual discount without applicable contractual relationship. [Effective January 1, 2020.]

It constitutes an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to knowingly access or utilize a contractual discount of a provider of health care pursuant to a provider network contract without a contractual relationship with the provider of health care, health carrier or third party as specified in NRS 687B.693 to 687B.697, inclusive.  (Added to NRS by 2019, 1601, effective January 1, 2020)
NV Rev Stat § 686A.030 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.030 - Misrepresentation and false advertising of policies prohibited.

A person shall not make, issue, circulate or cause to be made, issued or circulated, any estimate, illustration, circular, statement, sales presentation or comparison which:  1. Misrepresents the benefits, advantages, conditions or terms of any insurance policy;  2. Misrepresents the dividends or share of the surplus to be received on any insurance policy;  3. Makes any false or misleading statement as to the dividends or share of surplus previously paid on any insurance policy;  4. Is misleading or is a misrepresentation as to the financial condition of any person, or as to the legal reserve system upon which any life insurer operates;  5. Uses any name or title of any policy or class of insurance policies misrepresenting the true nature thereof;  6. Is a misrepresentation for the purpose of inducing or tending to induce the lapse, forfeiture, exchange, conversion or surrender of any insurance policy;  7. Is a misrepresentation for the purpose of effecting a pledge or assignment of or effecting a loan against any insurance policy; or  8. Misrepresents any insurance policy as being shares of stock.  (Added to NRS by 1971, 1688; A 1975, 1287)
NV Rev Stat § 686A.040 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.040 - False information and advertising prohibited.

No person shall make, publish, disseminate, circulate or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated or placed before the public, in a newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio or television station, or in any other way, any advertisement, announcement or statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, which is untrue, deceptive or misleading.  (Added to NRS by 1971, 1688)
NV Rev Stat § 686A.050 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.050 - "Twisting" prohibited.

No person shall make or issue, or cause to be made or issued, any written or oral statement misrepresenting or making misleading comparison as to the terms, conditions, benefits or advantages of any insurance policy for the purpose of inducing, or attempting or tending to induce, any other person to lapse, forfeit, surrender, borrow against, retain, exchange, convert or otherwise deal with or dispose of any insurance policy.  (Added to NRS by 1971, 1688)
NV Rev Stat § 686A.055 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.055 - Prohibited use of fact that insurance is covered by Nevada Insurance Guaranty Association or Nevada Life and Health Insurance Guaranty Association.

A person who is an insurer or an agent or employee of an insurer shall not place before the public by any means any advertisement, announcement or statement which uses the existence of the Nevada Insurance Guaranty Association or the Nevada Life and Health Insurance Guaranty Association for the purpose of inducing the purchase of, or discouraging the termination of, any insurance covered by the Association. This section does not apply to either of the associations named.  (Added to NRS by 1977, 432; A 1991, 882)
NV Rev Stat § 686A.060 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.060 - Replacement of life insurance.

In addition to other powers of the Commissioner in respect thereto, the Commissioner may by regulation require persons who replace or offer or propose to replace existing life insurance with other life insurance, to leave with the policyholder written, signed and dated statements which fully and accurately compare the terms, conditions and benefits of the existing policy with the proposed policy.  (Added to NRS by 1971, 1689)
NV Rev Stat § 686A.070 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.070 - Falsification of records or financial statements prohibited; penalty.

  1. A person subject to regulation under this Code shall not knowingly make or cause to be made any false entry of a material fact in any book, report or statement of any person or knowingly omit to make a true entry of any material fact pertaining to such person’s business in any book, report or statement of such person.  2. A person shall not knowingly file with any supervisory or other public officer, or knowingly make, publish, disseminate, circulate or deliver to any person, or place before the public, or knowingly cause directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public, any false material statement of fact as to the financial condition of a person.  3. Any person who violates, or with like intent, aids or abets any violation of this section is guilty of a gross misdemeanor.  (Added to NRS by 1971, 1689; A 1975, 1287)
NV Rev Stat § 686A.080 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.080 - Defamatory statement concerning person engaged or proposing to engage in business of insurance prohibited.

No person shall make, publish, disseminate or circulate, directly or indirectly, or aid, abet or encourage the making, publishing, disseminating or circulating of any oral or written statement or any pamphlet, circular, article or literature which is false, or maliciously critical of or derogatory to an insurer, or of an organization proposing to become an insurer, and which is calculated to injure any person engaged or proposing to engage in the business of insurance.  (Added to NRS by 1971, 1689)
NV Rev Stat § 686A.085 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.085 - Bank prohibited from requiring customers to purchase insurance from parent, subsidiary or affiliate of bank.

A bank shall not in any manner extend credit, lease or sell property of any kind, or furnish any services, or fix or vary the consideration for any of them, on the condition or requirement that the customer purchase insurance from a parent, subsidiary or affiliate of the bank. For the purposes of this section, the terms "affiliate," "parent" and "subsidiary" have the meanings ascribed to them in NRS 683A.231.  (Added to NRS by 1997, 782)
NV Rev Stat § 686A.090 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.090 - Boycott, coercion or intimidation tending to result in unreasonable restraint of or monopoly in business of insurance prohibited.

No person shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resulting in or tending to result in unreasonable restraint of, or any monopoly in, any business of insurance.  (Added to NRS by 1971, 1689)
NV Rev Stat § 686A.095 (2021)
2021 Nevada Revised Statutes|Chapter 686A - Trade Practices and Frauds; Financing of Premiums|NRS 686A.095 - Cancellation or restriction of agent’s authority based solely on submission of claims prohibited.

  1. An insurer shall not, without the written consent of the agent, cancel a written agreement with an agent or reduce or restrict the agent’s authority to transact property or casualty insurance based solely on the loss ratio experience on insurance transacted by that agent, if the agent was required to submit the applications for that insurance for underwriting approval, all material information on those applications was fully completed and the agent did not omit or alter any information provided by the applicants for that insurance.  2. As used in this section, "loss ratio experience" means the amount of money received by the insurer in payment of premiums divided by the amount of money expended by the insurer in payment of claims for a specified period.  (Added to NRS by 1989, 963)