reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-977. (Formerly Sec. 38-502) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-977. (Formerly Sec. 38-502) - Applicability. Exceptions.

 (a) The obligations imposed by sections 38a-975 to 38a-998, inclusive, shall apply to those insurance institutions, agents or insurance-support organizations which, on or after October 1, 1982: (1) In the case of life, health or disability insurance: (A) Collect, receive or maintain information in connection with insurance transactions which pertains to individuals who are residents of this state or (B) engage in insurance transactions with applicants, individuals or policyholders who are residents of this state, and (2) in the case of property or casualty insurance: (A) 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 (B) engage in insurance transactions involving policies, contracts or certificates of insurance delivered, issued for delivery or renewed in this state.(b) The rights granted by sections 38a-975 to 38a-998, inclusive, shall extend to: (1) In the case of life, health or disability insurance, the following persons who are residents of this state: (A) Individuals who are the subject of information collected, received or maintained in connection with insurance transactions and (B) applicants, individuals or policyholders who engage in or seek to engage in insurance transactions, and (2) in the case of property or casualty insurance, the following persons: (A) Individuals 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 the state and (B) 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.(c) For purposes of this 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.(d) Notwithstanding the provisions of subsections (a) and (b) of this section, sections 38a-975 to 38a-998, inclusive, 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.(P.A. 81-368, S. 3, 25; P.A. 82-472, S. 119, 183.)History: P.A. 82-472 made technical changes and corrections; Sec. 38-502 transferred to Sec. 38a-977 in 1991.
CT Gen Stat § 38a-978. (Formerly Sec. 38-503) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-978. (Formerly Sec. 38-503) - Use of pretext interviews.

 No insurance institution, agent or insurance-support organization shall use or authorize the use of a pretext interview to obtain information in connection with an insurance transaction; except it may be used to obtain information from a person or institution that does not have a recognized privileged relationship with the person to 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.(P.A. 81-368, S. 4, 25; P.A. 82-472, S. 120, 183.)History: P.A. 82-472 made technical grammatical correction; Sec. 38-503 transferred to Sec. 38a-978 in 1991.
CT Gen Stat § 38a-980. (Formerly Sec. 38-505) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-980. (Formerly Sec. 38-505) - Insurer to specify questions for marketing or research purposes.

 An insurance institution or agent shall specify those questions designed solely to obtain information for marketing or research purposes from an individual in connection with an insurance transaction.(P.A. 81-368, S. 6, 25; P.A. 82-472, S. 121, 183.)History: P.A. 82-472 made nonsubstantive change in wording; Sec. 38-505 transferred to Sec. 38a-980 in 1991.
CT Gen Stat § 38a-982. (Formerly Sec. 38-507) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-982. (Formerly Sec. 38-507) - Investigative consumer reports.

 (a) No insurance institution, agent or insurance-support organization shall prepare or request an investigative consumer report pertaining to an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, reinstatement or a change in insurance benefits unless the insurance institution or agent informs the individual that: (1) The individual may request to be interviewed in connection with the preparation of the investigative consumer report and (2) upon request pursuant to section 38a-983, the individual is entitled to receive a copy of the investigative consumer report.(b) If an investigative consumer report is to be prepared by an insurance institution or agent, the institution or agent shall establish reasonable procedures pertaining to the conduct of a personal interview requested by an individual.(c) If an investigative consumer report is to be prepared by an insurance-support organization, the 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 establish reasonable procedures pertaining to the conduct of such interviews, if requested.(P.A. 81-368, S. 8, 25; P.A. 08-110, S. 4.)History: Sec. 38-507 transferred to Sec. 38a-982 in 1991; P.A. 08-110 made technical changes in Subsec. (a), effective May 27, 2008.
CT Gen Stat § 38a-986. (Formerly Sec. 38-511) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-986. (Formerly Sec. 38-511) - Information concerning previous adverse underwriting decisions and coverage through residual market mechanisms.

 No insurance institution, agent or insurance-support organization shall seek information in connection with an insurance transaction concerning any previous adverse underwriting decisions experienced by an individual, or any previous insurance coverage obtained by an individual through a residual market mechanism, unless such institution, agent or organization also requests the reasons for any previous adverse underwriting decision or the reasons insurance coverage was previously obtained through a residual market mechanism.(P.A. 81-368, S. 12, 25; P.A. 84-546, S. 98, 173; P.A. 08-110, S. 6.)History: P.A. 84-546 made technical change, deleting previously existing Subdiv. indicators; Sec. 38-511 transferred to Sec. 38a-986 in 1991; P.A. 08-110 made a technical change, effective May 27, 2008.
CT Gen Stat § 38a-987. (Formerly Sec. 38-512) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-987. (Formerly Sec. 38-512) - Insurer prohibited from considering previous adverse underwriting decision or past residual market mechanism coverage.

 No insurance institution or agent shall base an adverse underwriting decision in whole or in part:(1) On a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism, provided 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;(2) On personal information received from an insurance-support organization whose primary source of information is an insurance institution, provided an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as the result of information received from an insurance-support organization.(P.A. 81-368, S. 13, 25; P.A. 02-24, S. 10; P.A. 08-110, S. 7.)History: Sec. 38-512 transferred to Sec. 38a-987 in 1991; P.A. 02-24 substituted Subdiv. designators “(1)” and “(2)” for “(a)” and “(b)”; P.A. 08-110 made a technical change, effective May 27, 2008.
CT Gen Stat § 38a-989. (Formerly Sec. 38-514) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-989. (Formerly Sec. 38-514) - Powers of commissioner.

 (a) 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 institution or agent has been engaged or is engaging in any conduct in violation of sections 38a-975 to 38a-998, inclusive.(b) 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 transacts business within this state or without this state which has an effect on a resident of this state in order to determine whether such insurance-support organization has been engaged or is engaging in any conduct in violation of sections 38a-975 to 38a-998, inclusive.(P.A. 81-368, S. 15, 25; P.A. 99-284, S. 19, 60.)History: Sec. 38-514 transferred to Sec. 38a-989 in 1991; P.A. 99-284 made a technical change, effective July 1, 2000.
CT Gen Stat § 38a-990. (Formerly Sec. 38-515) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-990. (Formerly Sec. 38-515) - Hearings; subpoenas; service of process.

 (a) Whenever the commissioner has reason to believe that an insurance institution, agent or insurance-support organization has been engaged or is engaging in conduct in this state which violates this chapter, or if the commissioner believes that an insurance-support organization has been engaged or is engaging in conduct outside this state which has an effect on a resident of this state and which violates sections 38a-975 to 38a-998, inclusive, the commissioner shall issue and serve upon such insurance institution, agent or insurance-support organization a statement of the charges and a notice of a hearing to be held at a time and place fixed in the notice. The date of such hearing shall not be less than thirty days after the date of service.(b) At the time and place fixed for such hearing, the insurance institution, agent or insurance-support organization shall have an opportunity to answer the charges against it and present evidence on its own 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.(c) At any hearing conducted pursuant to this 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 or other documents that the commissioner deems 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 section shall be governed by the same rules of evidence and procedure applicable to administrative proceedings conducted under the insurance laws of this state.(d) Statements of charges, notices, orders and other processes of the commissioner under sections 38a-975 to 38a-998, inclusive, may be served in the manner provided by law for service of process in civil actions or by registered mail. A copy of the statement of charges, notice, order or other process shall be provided to the person whose rights under said sections have been allegedly violated. A verified return specifying the manner of service, or return receipt in the case of registered mail, shall be sufficient proof of service.(P.A. 81-368, S. 16, 25; P.A. 99-284, S. 20, 60.)History: Sec. 38-515 transferred to Sec. 38a-990 in 1991; P.A. 99-284 substituted “the commissioner” for “he” and “that” for “which” and made a technical change, effective July 1, 2000.
CT Gen Stat § 38a-991. (Formerly Sec. 38-516) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-991. (Formerly Sec. 38-516) - Insurance-support organizations to appoint commissioner to accept service of process.

 For purposes of sections 38a-975 to 38a-998, inclusive, an insurance-support organization transacting business outside this state which affects a resident of this state shall be deemed to have appointed the commissioner to accept service of process on its behalf as provided in section 38a-25.(P.A. 81-368, S. 17, 25; P.A. 90-243, S. 166; P.A. 99-284, S. 21, 60.)History: P.A. 90-243 provided that the provisions of section 38a-25 re service of process be applicable to out-of-state insurance-support organizations; Sec. 38-516 transferred to Sec. 38a-991 in 1991; P.A. 99-284 made a technical change, effective July 1, 2000.
CT Gen Stat § 38a-992. (Formerly Sec. 38-517) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-992. (Formerly Sec. 38-517) - Commissioner to prepare findings.

 (a) If, after a hearing pursuant to section 38a-990, the commissioner determines that the insurance institution, agent or insurance-support organization charged has engaged in conduct or practices in violation of sections 38a-975 to 38a-998, inclusive, the commissioner shall reduce the findings to writing and shall issue and cause to be served upon such institution, agent or organization a copy of such findings and an order requiring such institution, agent or organization to cease and desist from engaging in such conduct or practices.(b) If, after a hearing pursuant to section 38a-990, the commissioner determines that the insurance institution, agent or insurance-support organization charged has not engaged in conduct or practices in violation of sections 38a-975 to 38a-998, inclusive, the commissioner shall prepare a written report which sets forth the findings of fact and conclusions. Such report shall be served upon the insurance institution, agent or insurance-support organization charged and upon the person, if any, whose rights under said sections were allegedly violated.(c) The commissioner may modify or set aside any order or report issued under this section until the expiration of the time allowed under section 38a-994 for filing a petition for review or until such petition is actually filed, whichever occurs first. If, after the expiration of the time allowed under section 38a-994 for filing a petition for review, no petition has been 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 section whenever conditions of fact or law warrant such action or if the public interest so requires.(P.A. 81-368, S. 18, 25; P.A. 99-284, S. 22, 60.)History: Sec. 38-517 transferred to Sec. 38a-992 in 1991; P.A. 99-284 substituted “the commissioner” for “he” and “the findings” for “his findings” and made a technical change, effective July 1, 2000.Annotation to former section 38-517:Cited. 215 C. 277.
CT Gen Stat § 38a-993. (Formerly Sec. 38-518) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-993. (Formerly Sec. 38-518) - Penalties.

 (a) In any case where a hearing pursuant to section 38a-990 results in the finding of a negligent violation of sections 38a-975 to 38a-998, inclusive, the commissioner may, in addition to the issuance of a cease and desist order as prescribed in section 38a-992, order payment of a penalty of not more than two thousand dollars for each violation but not to exceed twenty thousand dollars in the aggregate for multiple violations.(b) (1) In any case where a hearing pursuant to section 38a-990 results in the finding of an intentional violation of sections 38a-975 to 38a-998, inclusive, the commissioner may, in addition to the issuance of a cease and desist order as prescribed in section 38a-992, order payment of a penalty of not more than five thousand dollars for each violation but not to exceed fifty thousand dollars in the aggregate for multiple violations.(2) In any case where a hearing pursuant to section 38a-990 results in the finding of an intentional violation of section 38a-988a, the commissioner may, in addition to the issuance of a cease and desist order as prescribed in section 38a-992, order payment of a penalty of not more than twenty thousand dollars for each violation but not to exceed one hundred thousand dollars in the aggregate for multiple violations.(c) Any person who violates a cease and desist order of the commissioner under section 38a-992 may, after notice and hearing and upon order of the commissioner, be subject to one or more of the following, at the discretion of the commissioner: (1) A penalty of not more than twenty thousand dollars for each violation; or (2) a penalty of not more than one hundred thousand dollars if the commissioner finds that violations have occurred with such frequency as to indicate a general business practice; or (3) suspension or revocation of an insurance institution's or agent's license.(P.A. 81-368, S. 19, 25; P.A. 97-99, S. 23; P.A. 99-284, S. 23, 60.)History: Sec. 38-518 transferred to Sec. 38a-993 in 1991; P.A. 97-99 amended Subsec. (a) to increase penalty from $500 to $2,000 and limit maximum to $20,000 rather than $10,000; P.A. 99-284 amended Subsec. (a) to substitute “a negligent violation” for “an intentional violation” re sections 38a-975 to 38a-998, inclusive, inserted new Subdiv. (b)(1) re an intentional violation of said sections, inserted new Subdiv. (b)(2) re an intentional violation of Sec. 38a-988a, redesignated former Subsec. (b) as (c), amended Subdiv. (c)(1) to substitute $20,000 for $10,000 re penalty for each violation and amended Subdiv. (c)(2) to substitute $100,000 for $50,000 re penalty for violations that indicate a general business practice, effective July 1, 2000.
CT Gen Stat § 38a-994. (Formerly Sec. 38-519) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-994. (Formerly Sec. 38-519) - Appeals from orders.

 (a) Any person aggrieved by an order of the commissioner issued pursuant to sections 38a-975 to 38a-998, inclusive, may appeal therefrom in accordance with the provisions of section 4-183, except venue for such appeal shall be in the judicial district of New Britain.(b) No order or report of the commissioner under sections 38a-975 to 38a-998, inclusive, or order of a 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 other laws of this state.(P.A. 81-368, S. 20, 25; P.A. 88-230, S. 1, 12; P.A. 90-98, S. 1, 2; P.A. 93-142, S. 4, 7, 8; P.A. 95-220, S. 4–6; 99-215, S. 24, 29; P.A. 99-284, S. 24, 60.)History: P.A. 88-230 replaced “judicial district of Hartford-New Britain” with “judicial district of Hartford”, effective September 1, 1991; P.A. 90-98 changed the effective date of P.A. 88-230 from September 1, 1991, to September 1, 1993; Sec. 38-519 transferred to Sec. 38a-994 in 1991; P.A. 93-142 changed the effective date of P.A. 88-230 from September 1, 1993, to September 1, 1996, effective June 14, 1993; P.A. 95-220 changed the effective date of P.A. 88-230 from September 1, 1996, to September 1, 1998, effective July 1, 1995; P.A. 99-215 replaced “judicial district of Hartford” with “judicial district of New Britain” in Subsec. (a), effective June 29, 1999; P.A. 99-284 made a technical change, effective July 1, 2000.
CT Gen Stat § 38a-995. (Formerly Sec. 38-520) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-995. (Formerly Sec. 38-520) - Individual remedies.

 (a) If an insurance institution, agent or insurance-support organization fails to comply with section 38a-983, 38a-984 or 38a-985 with respect to the rights granted under those sections, any person whose rights are violated may bring an action for equitable relief.(b) An insurance institution, agent or insurance-support organization that discloses information in violation of section 38a-988 shall be liable for damages sustained by the individual concerning whom the information relates, except that no individual shall be entitled to a monetary award that exceeds the actual damages sustained by such individual as a result of a violation of section 38a-988.(c) In any action brought pursuant to this section, the court may award costs and reasonable attorney's fees to the prevailing party.(d) No action under this section shall be brought but within two years from the date the alleged violation is or should have been discovered.(e) Except as specifically provided in this section, there shall be no remedy available to individuals, in law or in equity, for occurrences constituting a violation of any provision of sections 38a-975 to 38a-998, inclusive.(P.A. 81-368, S. 21, 25; P.A. 17-15, S. 94.)History: Sec. 38-520 transferred to Sec. 38a-995 in 1991; P.A. 17-15 made technical changes in Subsec. (b).
CT Gen Stat § 38a-996. (Formerly Sec. 38-521) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-996. (Formerly Sec. 38-521) - Immunity.

 Any person who discloses personal or privileged information in accordance with sections 38a-975 to 38a-998, inclusive, or who furnishes such information to an insurance institution, agent or insurance-support organization, shall be immune from any civil liability on account of such act, unless such person disclosed or furnished false information with malice or wilful intent to injure any person.(P.A. 81-368, S. 22, 25.)History: Sec. 38-521 transferred to Sec. 38a-996 in 1991.
CT Gen Stat § 38a-997. (Formerly Sec. 38-522) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-997. (Formerly Sec. 38-522) - Obtaining information under false pretenses. Fine.

 Any person who knowingly and wilfully obtains information concerning an individual from an insurance institution, agent or insurance-support organization under false pretenses shall be fined not more than twenty thousand dollars.(P.A. 81-368, S. 23, 25; P.A. 08-178, S. 49.)History: Sec. 38-522 transferred to Sec. 38a-997 in 1991; P.A. 08-178 increased maximum fine from $10,000 to $20,000.
CT Gen Stat § 38a-998. (Formerly Sec. 38-523) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-998. (Formerly Sec. 38-523) - Severability.

 If any provision of sections 38a-975 to 38a-998, inclusive, or the application thereof to any person or circumstance is for any reason held to be invalid, the remainder of said sections and the application of such provision to other persons or circumstances shall not be affected thereby.(P.A. 81-368, S. 24, 25.)History: Sec. 38-523 transferred to Sec. 38a-998 in 1991.