reglab/housing_qa huggingface dataset:
RI Gen L § 27-44-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-7 - Disapproval of rates.

§ 27-44-7. Disapproval of rates.(a) Timing of disapproval. A rate in a competitive market may be disapproved any time prior to the proposed effective date or, if supporting information is required pursuant to § 27-44-6(a), at any time within thirty (30) days after receipt of the information. An existing rate may be disapproved only after a hearing to determine continued compliance with the rate standards of this chapter.(b) Basis of disapproval. The director shall disapprove a rate for use in a competitive market if the director finds that the rate is excessive, inadequate, or unfairly discriminatory, or violates the standards of § 27-44-5. The director's order shall specify in what respects the rate fails to meet the rate standards.(c) Disapproval procedures; order. If the director determines that a reasonable degree of competition does not exist in a market in accordance with § 27-44-4, he or she may review and suspend existing rates in accordance with the procedures established in the other provisions of law that govern rates, including, but not limited to, chapters 6 and 9 of this title;(2) If the director disapproves an existing rate in a competitive market, the director shall issue an order specifying in what respects it fails to meet the rate standards and stating when, within a reasonable period after this, the rate shall be discontinued for any policy issued or renewed after a date specified in the order. The order shall be issued within thirty (30) days after the close of the hearing or within any reasonable time extension the director may fix. The order may include a provision for premium adjustment for the period after the effective date of the order for policies in effect on that date.(d) Review of ratings. Every insurer or rating organization shall provide within this state reasonable means by which any person aggrieved by the application of its rating system may upon written request review the manner in which the rating system has been applied in connection with the insurance afforded or offered. If the insurer or rating organization fails to grant or reject the request within thirty (30) days, the applicant may proceed in the same manner as if the application had been rejected. Any party affected by the action of an insurer or rating organization on the request may, within thirty (30) days after written notice of the action, appeal to the director, who, after a hearing held upon not less than ten (10) days written notice to the appellant and to the insurer or rate service organization, may affirm, modify, or reverse the action.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-8 - Licensing of rating organizations.

§ 27-44-8. Licensing of rating organizations.(a) License required. No rating organization shall provide any service relating to the rates of any insurance subject to this chapter, and no insurer shall utilize the services of the organization for these purposes unless the organization has obtained a license under subsection (c) of this section.(b) Availability of services. No rating organization shall refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.(c) (1) Licensing.Application. A rating organization applying for a license shall include with its application:(i) A copy of its constitution, charter, articles of organization, agreement, association, or incorporation, and a copy of its bylaws, plan of operation, and any other rules or regulations governing the conduct of its business;(ii) A list of its members and subscribers;(iii) The name and address of one or more residents of this state upon whom notices, process affecting it, or orders of the director may be served;(iv) A statement showing its technical qualifications for acting in the capacity for which it seeks a license; and(v) Any other relevant information and documents that the director may require;(2) Change of circumstances. Every organization that has applied for a license shall notify the director of every material change in the facts or in the documents on which its application was based. Any amendment to a document filed under this section shall be filed with the director not less than thirty (30) days after it becomes effective;(3) Granting of license; fee. If the director finds that the applicant and the natural persons through whom it acts are competent, trustworthy, and technically qualified to provide the services proposed, and that all requirements of the law are met, he or she shall issue a license specifying the authorized activity of the applicant. The fee for the license shall be three hundred dollars ($300). The director shall not issue a license if the proposed activity would tend to create a monopoly or to substantially lessen the competition in any market;(4) Duration. Licenses issued pursuant to this section shall remain in effect for three (3) years unless sooner suspended or revoked. All in force licenses shall be transitioned into a three (3) year licensing cycle beginning June 1, 2006, to expire every three (3) years thereafter. License fees may be prorated for the initial renewal period as deemed appropriate by the director. The director may, at any time, after a hearing, revoke or suspend the license of a rating organization that does not comply with the requirements and standards of this chapter.History of Section.P.L. 1988, ch. 635, § 1; P.L. 2001, ch. 122, § 13; P.L. 2005, ch. 174, § 6.
RI Gen L § 27-44-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-9 - Licensing of advisory organizations.

§ 27-44-9. Licensing of advisory organizations.(a) License required. No advisory organization shall provide any service relating to the rates of any insurer subject to this chapter, and no insurer shall utilize the services of the organization for those purposes unless the organization has become licensed under subsection (d) of this section.(b) Authorized activities. A licensed advisory organization may perform any of the authorized activities enumerated in § 27-44-11 except no advisory organization may make any filings on behalf of any insurer.(c) Availability of services. No advisory organization shall refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.(d) License. An advisory organization shall submit at the time of application:(1) A copy of its constitution, articles of association or incorporation, and the bylaws, plan of operation, or other rules and regulations governing its activities;(2) A list of its members and subscribers;(3) The name and address of one or more residents of this state upon whom notices, process affecting it, or orders of the director may be served; and(4) Any other relevant information and documents that the director may require.(e) Change of circumstances. Every registered advisory organization shall promptly notify the director of every material change in the facts or in the documents upon which its registration was based.(f) License; fee. If the director finds that the applicant and the natural persons through whom it acts are competent, trustworthy, and technically qualified to provide the services proposed, and that all requirements of law are met, he or she shall issue a license specifying the authorized activity of the applicant. The annual fee for the license shall be one hundred dollars ($100). The director shall not issue a license if the proposed activity would tend to create a monopoly or to substantially lessen competition.(g) Duration. Licenses issued pursuant to this section shall remain in effect for three (3) years unless sooner suspended or revoked. All in force licenses shall be transitioned into a three (3) year licensing cycle beginning June 1, 2006, to expire every three (3) years thereafter, license fees may be prorated for the initial renewal period as deemed appropriate by the director. The director, after a hearing, may revoke or suspend the license of an advisory organization that does not comply with the requirements and standards of this chapter.History of Section.P.L. 1988, ch. 635, § 1; P.L. 2001, ch. 122, § 13; P.L. 2008, ch. 371, § 5.
RI Gen L § 27-44-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-10 - Insurers and rating and advisory organizations - Prohibited activity.

§ 27-44-10. Insurers and rating and advisory organizations — Prohibited activity.(a) No insurer or rating or advisory organization shall attempt to monopolize or combine or conspire with any other person to monopolize an insurance market.(b) (1) No insurer shall agree with any other insurer or with any rating or advisory organization to adhere to or to use any rate, rating plan, rating schedule, rating rule, policy or bond forms, rate classifications, rate territories, underwriting rules, surveys, inspections, or similar materials, except as needed to develop statistical plans permitted by this chapter. Notwithstanding the foregoing, nothing contained in this chapter shall apply to any pools;(2) The fact that two (2) or more insurers, whether or not members or subscribers of a rating organization, use consistently or intermittently, the same rates, rating plans, rating schedules, rating rules, policy or bond forms, rate classifications, rate territories, underwriting rules, surveys or inspections, or similar materials is not sufficient in itself to support a finding that an agreement exists, and may be used only for the purpose of supplementing or explaining other evidence of the existence of an agreement;(3) Two (2) or more insurers having a common ownership or operating in this state under common management or control may act in concert between or among themselves with respect to any matters pertaining to those activities authorized in this chapter as if they constituted a single insurer.(c) No insurer or rating or advisory organization shall make any arrangement with any other insurer, rating or advisory organization, or other person which has the purpose or effect of restraining trade unreasonably or of substantially lessening competition in the business of insurance.(d) No advisory organization shall engage in any unfair or unreasonable practice. If after a hearing the director finds that any activity or practice of an advisory organization is unfair, unreasonable, or inconsistent with the requirements of this chapter, the director shall specify the finding in an order requiring the discontinuance of the activity or practice.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-11 - Rating organizations - Permitted activity.

§ 27-44-11. Rating organizations — Permitted activity.Any rating organization, in addition to other activities not prohibited, is authorized to:(1) Develop statistical plans including territorial and class definitions;(2) Collect statistical data from members, subscribers, or any other source;(3) Prepare, distribute, and file rates and supplementary rate information;(4) Distribute information that is filed with the director and open to public inspection;(5) Conduct research and on site inspections in order to prepare classifications of public fire defenses;(6) Consult with public officials regarding public fire protection as it would affect members, subscribers, and others;(7) Conduct research and collect statistics in order to discover, identify, and classify information relating to causes or prevention of losses;(8) Prepare and file policy forms and endorsements and consult with members, subscribers, and others relative to their use and application;(9) Conduct research and on site inspections for the purpose of providing risk information relating to individual structures;(10) Collect, compile, and distribute past and current prices of individual insurers if that information is made available to the general public; and(11) Furnish any other services related to those enumerated in this section.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-12 - Rating organization - Public information.

§ 27-44-12. Rating organization — Public information.Every rating organization shall file any amendment or modification made to supplementary rate information with the director within fifteen (15) days after it is distributed to members, subscribers, or others.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-13 - Records and reports.

§ 27-44-13. Records and reports.The director may adopt reasonable rules for use by companies to record and report to the director their loss and expense experience and any other information determined by the director to be necessary or appropriate for the administration of this chapter and the effectuation of its purposes. No insurer shall be required to record or report its experience on a classification basis inconsistent with its own rating system. The director may designate one or more rating or advisory organizations to assist him or her in gathering, compiling, and reporting the information.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-14 - Examination.

§ 27-44-14. Examination.(a) The director may examine any insurer, pool, rating organization, or advisory organization as he or she deems necessary to ascertain compliance with this chapter.(b) Every insurer, pool, rating organization, and advisory organization shall maintain reasonable records of the type and kind reasonably adapted to its method of operation containing its experience or the experience of its members including the data, statistics, or information collected or used by it in its activities. These records shall be available at all reasonable times to enable the director to determine compliance with the provisions of this chapter.(c) The total cost of an examination made pursuant to this section shall be paid by the examined party, and shall be one hundred-fifty percent (150%) of the total salaries paid for the examining personnel of the insurance division engaged in the examinations less any salary reimbursements, and shall be paid to the director to and for the use of the state. The assessment shall be in addition to any taxes and fees otherwise payable to the state. The officers, managers, agents, and employees of the rating organization, advisory organization, or group, association, or other organization may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation.(d) In lieu of the examination the director may accept the report of an examination made by the insurance supervisory official of another state pursuant to the laws of the state.(e) Reports on examinations — Hearing and filing. The director shall prepare a report on the examination and shall, within a reasonable time following completion of the report, furnish each rating organization with a copy of this report. The rating organization shall, within thirty (30) days after receipt of a copy of the report, request the director for a hearing on the report, which shall be held by the commissioner upon ten (10) days written notice to the rating organization. Following the hearing the director may affirm, modify, or withdraw the report. The report, or modification of it, shall then be filed in the office of the director as a public record, or if no hearing is requested within the period of thirty (30) days, the report shall be filed at the expiration of that period.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-15 - Exemptions.

§ 27-44-15. Exemptions.The director may, by his or her own initiative or upon request of any person, by rule, exempt any market from any or all of the provisions of this chapter, if and to the extent that the director finds an exemption necessary to achieve the purpose of this chapter.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-16 - Assessment for review pursuant to title 42, chapter 14.

§ 27-44-16. Assessment for review pursuant to title 42, chapter 14.The director may appoint an actuary to assist the director in the performance of his or her duties pursuant to this chapter. The actuary shall serve under the direction of the director and shall be removable at the pleasure of the director. Insurance companies doing business in this state under the provisions of this chapter shall be assessed pursuant to § 42-14-10.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-17 - Noncompetitive markets - Nonapplicability of chapter.

§ 27-44-17. Noncompetitive markets — Nonapplicability of chapter.Any market deemed to be a noncompetitive market, and any market described in § 27-44-3, shall have rates established for it pursuant to the standards and procedures as applicable in chapters 6, 7.1, 9, 19, and 20 of this title, and the other sections of law govern the rates of different classes of insurance. Nothing contained in this section shall be construed to limit the applicability of any other relevant section of law.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-18 - Penalties.

§ 27-44-18. Penalties.(a) The director may, if he or she finds that any person or organization has violated any provision of this chapter, impose a penalty of not more than one thousand dollars ($1,000) for each violation, but if the director finds the violation to be willful, he or she may impose a penalty of not more than fifty thousand dollars ($50,000) for each violation. The penalties may be in addition to any other penalty provided by law.(b) For the purposes of this section, any insurer using a rate for which the insurer has failed to file the rate, supplementary rate information, or supporting information, as required by this chapter or by any rules and regulations that the director may promulgate, has committed a separate violation for each day that failure continues.(c) The director may suspend or revoke the license of any rating organization or insurer which fails to comply with an order of the director within the time limited by the order, or any extension of the order which the director may grant.(d) The director may determine when a suspension of license shall become effective and it shall remain in effect for the period fixed by him or her, unless he or she modifies or rescinds the suspension, or until the order upon which the suspension is based is modified, rescinded, or reversed.(e) No penalty shall be imposed and no license shall be suspended or revoked except upon a written order of the director, stating his or her findings, made after a hearing.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-19 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-19 - Regulations.

§ 27-44-19. Regulations.The director may promulgate any reasonable regulations that are necessary and proper to enforce this chapter and to require any information that the director finds necessary.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-20 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-20 - Hearings.

§ 27-44-20. Hearings.Any hearing conducted pursuant to this chapter shall be held in accordance with the Administrative Procedures Act, chapter 35 of title 42, to the extent that the APA does not conflict with any provision of law contained in this chapter.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-21 - Judicial review.

§ 27-44-21. Judicial review.(a) Any order, regulation, or decision of the director made after a hearing shall be subject to judicial review in accordance with the Administrative Procedures Act, chapter 35 of title 42.(b) Upon the request of any insurer or organization to which the director has directed an order made without a hearing, the director shall grant a hearing within thirty (30) days of the request. Within thirty (30) days after the hearing, the director shall affirm, reverse, or modify the previous action, specifying the reasons for it.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-44-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-44 - Casualty, Liability and Fire and Marine Insurance Rating|Section 27-44-22 - Severability.

§ 27-44-22. Severability.If any provisions of this chapter, or the application of the provisions to any person or circumstances, are held invalid, the remainder of the chapter, and the application of the provisions to persons or circumstances other than those to which it is held invalid, shall not be affected by that invalidity.History of Section.P.L. 1988, ch. 635, § 1.
RI Gen L § 27-45-1 - 27-45-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-45 - Participation In The National Association Of Insurance Commissioners (NAIC) Insurance Regulatory Information System (IRIS)|Section 27-45-1 - 27-45-5 - Repealed.

§ 27-45-1 — 27-45-5. Repealed.
RI Gen L § 27-46-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-46 - Risk Retention Act|Section 27-46-1 - Purpose.

§ 27-46-1. Purpose.The purpose of this chapter is to regulate the formation and/or operation of risk retention groups and purchasing groups in this state formed pursuant to the provisions of 15 U.S.C. § 3901 et seq., to the extent permitted by that law.History of Section.P.L. 1991, ch. 348, § 1.