reglab/housing_qa huggingface dataset:
SC Code § 37-30-150 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 30 - Guaranteed Asset Protection|Section 37-30-150. Cancellation of GAP waiver.

 (A)(1) A GAP waiver must include a term stating that if a borrower cancels the waiver within the free-look period, the borrower is entitled to a full refund if no benefits have been provided under the GAP waiver.  (2) A creditor may not charge a fee to a borrower related to the cancellation of a GAP waiver.  (B) A GAP waiver may be either cancellable or noncancellable after the free-look period. A GAP waiver must include:  (1) a statement of whether or not the GAP waiver is cancellable or noncancellable after the expiration of the free-look period; and  (2) if the waiver is cancellable, all of the following terms apply:  (a) a statement that in the event of a borrower's cancellation of the GAP waiver or early termination of the finance agreement, the borrower may be entitled to a refund of any unearned portion of the purchase price of the waiver; and  (b) the procedures by which a borrower may cancel the waiver. This term must include a requirement that if the underlying finance agreement is terminated, cancellation must be made by providing a written request to the creditor, manager, or other party within ninety days of the event terminating the finance agreement.  (C) A cancellation refund under subsections (A) and (B) may be applied by the creditor as a reduction of the amount owed under the finance agreement unless the borrower shows that the finance agreement has been paid in full.  (D) If the purchase price of the GAP waiver is not financed, the creditor shall either provide a refund directly to the borrower or provide the borrower the option to either receive a refund of the unearned purchase price directly or to have the refund applied to reduce the amount owed under the borrower's finance agreement.  HISTORY: 2015 Act No. 31 (S.441), Section 2, eff June 1, 2015.  Editor's Note  2015 Act No. 31, Section 3, provides as follows:  "SECTION 3. This act takes effect upon approval by the Governor and applies to all GAP waivers which become effective one hundred eighty days after the effective date."
SC Code § 37-30-160 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 30 - Guaranteed Asset Protection|Section 37-30-160. Enforcement of chapter.

 Pursuant to Chapter 6, Title 37, the Administrator of the Department of Consumer Affairs may take action necessary to enforce the provisions of this chapter and to protect GAP waiver holders in this State.  HISTORY: 2015 Act No. 31 (S.441), Section 2, eff June 1, 2015.  Editor's Note  2015 Act No. 31, Section 3, provides as follows:  "SECTION 3. This act takes effect upon approval by the Governor and applies to all GAP waivers which become effective one hundred eighty days after the effective date."
SC Code § 37-30-175 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 30 - Guaranteed Asset Protection|Section 37-30-175. Civil actions.

 A consumer who suffers loss by reason of a violation of this chapter may bring a civil action to enforce the provisions, and if successful in the action, shall recover actual damages, reasonable attorney's fees, and court costs incurred by bringing the action.  HISTORY: 2015 Act No. 31 (S.441), Section 2, eff June 1, 2015.  Editor's Note  2015 Act No. 31, Section 3, provides as follows:  "SECTION 3. This act takes effect upon approval by the Governor and applies to all GAP waivers which become effective one hundred eighty days after the effective date."
SC Code § 38-1-10 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 1 - Title And Definitions|Section 38-1-10. Short title.

 This title may be cited and is known as "The Insurance Law".  HISTORY: 1947 (45) 322; 1952 Code Section 37-1; 1962 Code Section 37-1; 1976 Code Section 38-1-10; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 528.
SC Code § 38-1-30 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 1 - Title And Definitions|Section 38-1-30. "Commissioner", etc., means "Director".

 Wherever in any other chapter of Title 38 the term "Chief Insurance Commissioner" or "Commissioner" appears or is used, it shall be deemed to mean the Director of the Department of Insurance or his designee.  HISTORY: 1993 Act No. 181, Section 530.
SC Code § 38-2-10 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 2 - Penalties|Section 38-2-10. Administrative penalties.

 (A) Unless otherwise specifically provided by law, the following administrative penalties apply for each violation of the insurance laws of this State or federal insurance laws subject to enforcement by the Department of Insurance:  (1) If the violator is an insurer, pharmacy benefits manager, or a health maintenance organization licensed in this State, the director or his designee shall fine the violator in an amount not to exceed fifteen thousand dollars, suspend or revoke the violator's authority to do business in this State, or both. If the violation is wilful, the director or his designee shall fine the violator in an amount not to exceed thirty thousand dollars, suspend or revoke the violator's authority to do business in this State, or both.  (2) If the violator is a person, other than an insurer, pharmacy benefits manager, or a health maintenance organization, licensed by the director or his designee in this State, the director or his designee shall fine the person in an amount not to exceed two thousand five hundred dollars, suspend or revoke the license of the person, or both. If the violation is wilful, the director or his designee shall fine the person in an amount not to exceed five thousand dollars, suspend or revoke the license of the person, or both.  (B) The penalties in subsection (A) are in addition to any criminal penalties provided by law or any other remedies provided by law. The administrative proceedings in subsection (A) do not preclude civil or criminal proceedings from taking place before, during, or after the administrative proceeding.  HISTORY: 1988 Act No. 374, Section 1; 1993 Act No. 181, Section 531; 2018 Act No. 219 (H.4657), Section 1, eff May 18, 2018; 2019 Act No. 48 (S.359), Section 2, eff January 1, 2021.  Effect of Amendment  2018 Act No. 219, Section 1, inserted the (A) and (B) designators; in (A), inserted "or federal insurance laws subject to enforcement by the Department of Insurance" following "laws of this State", in (1), deleted "(a)" preceding "fine the violator" in two places and deleted "or (b)" preceding "suspend or revoke" in two places, and in (2), deleted "(a)" preceding "fine the person" in two places and deleted "or (b)" preceding "suspend or revoke" in two places; and in (B), substituted "subsection (A)" for "items (1) and (2)" in two places.  2019 Act No. 48, Section 2, in (A), in (1) and (2), in the first sentences, inserted ", pharmacy benefits manager,".
SC Code § 38-2-20 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 2 - Penalties|Section 38-2-20. Penalties for conviction of misdemeanor.

 Any person convicted of a misdemeanor defined in this title must be punished by a fine of not more than two thousand five hundred dollars or by imprisonment for not more than two years, or both, unless another penalty is specifically provided by law.  HISTORY: 1988 Act No. 374, Section 1.
SC Code § 38-2-30 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 2 - Penalties|Section 38-2-30. Penalties for acting without license required by this title.

 Any person who performs an act without a license required by this title is guilty of a misdemeanor and, upon conviction, must be fined not more than ten thousand dollars or imprisoned for two years, or both.  HISTORY: 1988 Act No. 374, Section 1.
SC Code § 38-3-10 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-10. Department of Insurance and Insurance Commission established.

 There is established a separate and distinct department of this State, known as the Department of Insurance. The department must be managed and operated by a director appointed by the Governor upon the advice and consent of the Senate. The director is subject to removal by the Governor as provided in Section 1-3-240(B). The director shall be selected with special reference to his training, experience, technical knowledge of the insurance industry, and demonstrated administrative ability. The director may appoint or designate the person or persons who shall serve at the pleasure of the director to carry out the objectives or duties of the department as provided by law. Furthermore, the director may bestow upon his designee or deputy director any duty or function required of him by law in managing or supervising the Department of Insurance.  HISTORY: 1947 (45) 322; 1952 Code Section 37-51; 1960 (51) 1646; 1962 Code Section 37-51; 1976 Code Section 38-3-10; 1980 Act No. 488, Section 2; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-40 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-40. Compensation and expenses of Commission members.

 The director or his designee shall receive annual compensation as may be provided by the General Assembly and official expenses as provided by law for executing the duties and functions of the department.  HISTORY: 1960 (51) 1646; 1962 Code Section 37-54; 1976 Code Section 38-3-40; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-60 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-60. Powers and duties of Commission and Director of the Department of Insurance.

 The director or his designee must follow the general policies and broad objectives enacted by the General Assembly regarding the operation of the insurance industry in this State.  HISTORY: 1947 (45) 322; 1949 (46) 600; 1952 Code Section 37-58; 1960 (51) 1646; 1962 Code Section 37-56; 1976 Code Section 38-3-60; 1980 Act No. 488, Section 4; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-80 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-80. Seal.

 The department shall have a seal with a suitable inscription, an impression of which must be filed with the Secretary of State.  HISTORY: Former 1976 Code Section 38-3-80 [1947 (45) 322; 1952 Code Section 37-52; 1960 (51) 1646; 1962 Code Section 37-58; 1973 (58) 623; 1980 Act No. 488, Section 6] recodified as Section 38-3-100 by 1987 Act No. 155, Section 1; Former 1976 Code Section 38-3-140 [1947 (45) 322; 1952 Code Section 37-57; 1960 (51) 1646; 1962 Code Section 37-64] recodified as Section 38-3-80 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-100 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-100. Director of the Department of Insurance; removal; status; term of employment, salary, and qualifications.

 The director or his designee is not subject to the State Employee Grievance Committee or any internal grievance procedure established at the Insurance Department. The director or his designee shall devote all of his working time to the duties of his office. Before taking the oath of office he shall sever all connections, either direct or indirect, except as a policyholder, with any insurance company or agency and shall maintain the severance during his tenure of office. If he becomes a candidate for public office or becomes a member of a political committee during tenure, his office as director or his designee must be immediately vacated.  HISTORY: Former 1976 Code Section 38-3-100 [1947 (45) 322; 1952 Code Section 37-55; 1960 (51) 1646; 1962 Code Section 37-60] has no comparable provision in 1987 Act No. 155; Former 1976 Code Section 38-3-80 [1947 (45) 322; 1952 Code Section 37-52; 1960 (51) 1646; 1962 Code Section 37-58; 1973 (58) 623; 1980 Act No. 488, Section 6] recodified as Section 38-3-100 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-120 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-120. Oath and bond of director.

 The director shall take the oath of office as prescribed for all state officers. Before entering upon or continuing the discharge of the duties of his office, he shall give bond to the State for the benefit of any person aggrieved by his unlawful or wrongful actions. This bond must be in the sum of fifty thousand dollars, with sufficient surety, to be approved by the State Treasurer, for the faithful performance of all the duties required of him under the law during the term of his office. The premium of the bond must be paid by the State.  HISTORY: Former 1976 Code Section 38-3-120 [1956 (49) 1742; 1960 (51) 1646; 1962 Code Section 37-62; 1972 (57) 2451] has no comparable provisions in 1987 Act No. 155; Former 1976 Code Section 38-3-90 [1947 (45) 322; 1952 Code Section 37-53; 1960 (51) 1646; 1962 Code Section 37-59] recodified as Section 38-3-120 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-130 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-130. Actuaries, examiners, clerks, and employees.

 The director shall appoint or employ actuaries, examiners, clerks, and other employees necessary for the proper execution of the work of the department.  HISTORY: Former 1976 Code Section 38-3-130 [1956 (49) 1761; 1960 (51) 1646; 1962 Code Section 37-63] has no comparable provisions in 1987 Act No. 155; Former 1976 Code Section 38-3-110 [1947 (45) 322; 1952 Code Section 37-56; 1960 (51) 1646; 1962 Code Section 37-61] recodified as Section 38-3-130 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-140 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-140. Violations considered committed in part at office of director.

 The failure to do any act required by this title is considered a violation committed in part at the office of the director in Columbia.  HISTORY: Former 1976 Code Section 38-3-140 [1947 (45) 322; 1952 Code Section 37-57; 1960 (51) 1646; 1962 Code Section 37-64] recodified as Section 38-3-80 by 1987 Act No. 155, Section 1; Former 1976 Code Section 38-1-90 [1979 Act No. 63] recodified as Section 38-3-140 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-150 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-150. Director, assistants, or agents may conduct examinations, investigations, and hearings.

 All examinations or investigations provided by this title, unless otherwise provided by any other insurance laws of this State, may be conducted by the director or by one or more of his duly authorized assistants or agents. All hearings must be held by the director or by one of his duly authorized assistants or agents when authorized to do so in writing by the director. However, in any hearing concerning the adjustment of insurance rates the director or his designee may conduct the hearing.  HISTORY: 1947 (45) 322; 1952 Code Section 37-59; 1960 (51) 1562, 1646; 1962 Code Section 37-65; 1971 (57) 46; 1976 Code Section 38-3-150; 1981 Act No. 10, Section 1; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-160 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-160. Administration of oaths.

 The director or his duly appointed assistants or agents shall administer all oaths required in the discharge of his official duties.  HISTORY: 1947 (45) 322; 1949 (46) 600; 1952 Code Section 37-58; 1960 (51) 1646; 1962 Code Section 37-66; 1976 Code Section 38-3-160; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-170 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-170. Notice of hearings.

 All hearings, unless otherwise specifically provided, must be held at the time and place designated in a written notice given by the director or his designee to the person cited to appear at least thirty days before the designated date. The notice shall state the subject of the inquiry and specific charges, if any. It is sufficient to give notice either by delivering it to the person or by depositing it in the United States mail, postage prepaid, addressed to the last known address of the person and registered with return receipt requested.  HISTORY: 1947 (45) 322; 1952 Code Section 37-60; 1960 (51) 1646; 1962 Code Section 37-67; 1976 Code Section 38-3-170; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-180 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-180. Summoning witnesses; contempt; perjury.

 The director or any assistants or agents appointed to conduct examinations may summon and compel the attendance of witnesses to testify in relation to any matter which is, by the provisions of this title or by any other insurance laws of this State, a subject of inquiry and investigation. The director or his designee has the power of a circuit judge to punish for contempt any witness failing to answer any summons or failing or refusing to testify when so required. The director or any assistants or agents appointed to conduct examinations may also administer oaths and affirmations to persons appearing as witnesses before them, and false testimony in any matter or proceeding is considered perjury and must be punished in accordance with the laws of this State.  HISTORY: 1947 (45) 322; 1952 Code Section 37-61; 1960 (51) 1646; 1962 Code Section 37-68; 1976 Code Section 38-3-180; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-190 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-190. Mileage payments for witnesses.

 Any person summoned by the Insurance Department to testify as a witness at any hearing must be paid for his actual mileage at the same rate as provided by law for state departments or divisions.  HISTORY: 1962 Code Section 37-681; 1971 (57) 397; 1976 Code Section 38-3-190; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-200 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-200. Orders must be in writing and signed.

 No order of the director or his designee is effective unless made in writing and signed by the director or by his authority.  HISTORY: 1947 (45) 322; 1952 Code Section 37-62; 1960 (51) 1646; 1962 Code Section 37-69; 1976 Code Section 38-3-200; 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-210 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-210. Petition for judicial review of order or decision; effect as stay.

 Any order or decision made, issued, or executed by the director or his designee is subject to judicial review in accordance with the appellate procedures of the South Carolina Administrative Law Court, as provided by law. An appeal from an order or decision under this section must be heard in the Administrative Law Court, as provided by law. The administrative law judge or judges may not, under any terms, order a stay of enforcement of any order of the director or his designee to make good an impairment of capital or surplus or a deficiency in the amount of admitted assets.  HISTORY: Former 1976 Code Section 38-3-210 [1947 (45) 322, 1952 Code Section 37-63, 1960 (51) 1646, 1962 Code Section 37-70], Section 38-3-220 [1947 (45) 322, 1952 Code Section 37-64, 1960 (51) 1646, 1962 Code Section 37-71], Section 38-3-230 [1947 (45) 322, 1952 Code Section 37-65, 1960 (51) 1646, 1962 Code Section 37-72], Section 38-3-240 [1947 (45) 322, 1952 Code Section 37-66, 1960 (51) 1646, 1962 Code Section 37-73], and Section 38-3-250 [1947 (45) 322, 1952 Code Section 37-67, 1960 (51) 1646, 1962 Code Section 37-74], recodified as Section 38-3-210 by 1987 Act No. 155, Section 1; 1989 Act No. 27, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-220 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-220. Certificates and papers of director as evidence.

 Every certificate or other paper executed by the director or his designee in pursuance of any authority conferred upon him by law and sealed with the seal of the department and all copies of papers certified by the director or his designee and authenticated by the director's or his designee's seal may in all cases be used as evidence in any suit or proceeding in any court of this State with the same force and effect as the originals.  HISTORY: Former 1976 Code Section 38-3-220 [1947 (45) 322; 1952 Code Section 37-64; 1960 (51) 1646; 1962 Code Section 37-71] recodified as Section 38-3-210 by 1987 Act No. 155, Section 1; Former 1976 Code Section 38-3-270 [1947 (45) 322; 1952 Code Section 37-69; 1960 (51) 1646; 1962 Code Section 37-76] recodified as Section 38-3-220 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.
SC Code § 38-3-230 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 3 - The Department Of Insurance|Section 38-3-230. Director's certificate as evidence of authority to do business.

 In any case or controversy where it is necessary to determine whether any insurance or other company, or agent thereof, is or has been licensed by the director or his designee to do business in this State, the certificate of the director or his designee under the seal of the department is admissible in evidence as proof of this authority.  HISTORY: Former 1976 Code Section 38-3-230 [1947 (45) 322; 1952 Code Section 37-65; 1960 (51) 1646; 1962 Code Section 37-72] recodified as Section 38-3-210 by 1987 Act No. 155, Section 1; Former 1976 Code Section 38-3-280 [1947 (45) 322; 1952 Code Section 37-70; 1960 (51) 1646; 1962 Code Section 37-77] recodified as Section 38-3-230 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 532.