reglab/housing_qa huggingface dataset:
TX Ins Code § 559.053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter B. Use of Credit Scoring and Credit Information|Section 559.053. Disclosure to Consumer Regarding Use of Credit Scoring

Sec. 559.053.  DISCLOSURE TO CONSUMER REGARDING USE OF CREDIT SCORING.  (a)  An insurer that uses credit scoring in the underwriting or rating of insurance subject to this chapter shall disclose to each applicant for insurance coverage that the applicant's credit report may be used in the underwriting or rating of the applicant's policy.  The disclosure must be provided at the time of application by the insurer or agent and may be given orally, in writing, or electronically.(b)  If a policy is issued to the applicant for insurance coverage, an insurer or agent is not required to make the disclosure required under Subsection (a) on any subsequent renewal of the coverage.(c)  An insurer or its agent shall disclose to its customers, on a form adopted by the commissioner, whether credit information will be obtained on an applicant for insurance coverage or insured or on any other member or members of the applicant's or insured's household and used as part of the insurance credit scoring process.(d)  If credit information is obtained or used on an applicant for insurance coverage or insured, or on any member of the applicant's or insured's household, the insurer shall disclose to the applicant or insured the name of each person on whom credit information was obtained or used and how each person's credit information was used to underwrite or rate the policy.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.056 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter B. Use of Credit Scoring and Credit Information|Section 559.056. Indemnification of Agent

Sec. 559.056.  INDEMNIFICATION OF AGENT.  (a)  An insurer shall indemnify, defend, and hold its agent harmless from and against all liability, fees, and costs that arise out of or relate to the actions, errors, or omissions of an agent who obtains or uses credit information or credit scores for the insurer if the agent:(1)  follows the instructions of or procedures established by the insurer; and(2)  complies with any applicable law or rule.(b)  This section may not be construed to establish a cause of action that does not exist in the absence of this section.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.057 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter B. Use of Credit Scoring and Credit Information|Section 559.057. Sale of Policy Term Information by Consumer Reporting Agency Prohibited

Sec. 559.057.  SALE OF POLICY TERM INFORMATION BY CONSUMER REPORTING AGENCY PROHIBITED.  (a)  A consumer reporting agency may not provide or sell data or lists that include any information that, in whole or in part, was submitted in conjunction with an insurance inquiry about a consumer's credit information or a request for a credit report or credit score, including:(1)  the expiration dates of an insurance policy or any other information that may identify periods during which a consumer's insurance may expire; and(2)  the terms and conditions of the consumer's insurance coverage.(b)  The restriction under Subsection (a) does not apply to data or lists that the consumer reporting agency provides to:(1)  the agent from whom information was received;(2)  the insurer on whose behalf the agent acted; or(3)  that insurer's affiliates.(c)  This section may not be construed to restrict the ability of an insurer to obtain a claims history report or a report regarding a motor vehicle.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.101 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter C. Computing Credit Score; Evaluating Credit Information|Section 559.101. Negative Factors

Sec. 559.101.  NEGATIVE FACTORS.  An insurer may not use any of the following as a negative factor in any credit scoring methodology or in reviewing credit information to underwrite or rate a policy of personal insurance:(1)  a credit inquiry that is not initiated by the consumer;(2)  an inquiry relating to insurance coverage, if so identified on a consumer's credit report; or(3)  a collection account with a medical industry code, if so identified on the consumer's credit report.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.102 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter C. Computing Credit Score; Evaluating Credit Information|Section 559.102. Multiple Lender Inquiries

Sec. 559.102.  MULTIPLE LENDER INQUIRIES.  (a)  An insurer shall consider multiple lender inquiries made within 30 days of a prior inquiry, if coded by the consumer reporting agency on the consumer's credit report as from the home mortgage industry, as only one inquiry.(b)  An insurer shall consider multiple lender inquiries made within 30 days of a prior inquiry, if coded by the consumer reporting agency on the consumer's credit report as from the motor vehicle lending industry, as only one inquiry.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.103 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter C. Computing Credit Score; Evaluating Credit Information|Section 559.103. Extraordinary Events

Sec. 559.103.  EXTRAORDINARY EVENTS.  (a)  Notwithstanding any other law, an insurer shall, on written request from an applicant for insurance coverage or an insured, provide reasonable exceptions to the insurer's rates, rating classifications, or underwriting rules for a consumer whose credit information has been directly influenced by:(1)  a catastrophic illness or injury;(2)  the death of a spouse, child, or parent;(3)  temporary loss of employment;(4)  divorce; or(5)  identity theft.(b)  In a situation described by Subsection (a), an insurer:(1)  may consider only credit information not affected by the event; or(2)  shall assign a neutral credit score.(c)  An insurer may require reasonable written and independently verifiable documentation of the event and the effect of the event on the person's credit before granting an exception.  An insurer is not required to consider repeated events or events the insurer reconsidered previously as an extraordinary event.(d)  An insurer may also consider granting an exception to an applicant for insurance coverage or an insured for an extraordinary event not listed in Subsection (a).(e)  An insurer is not out of compliance with any law or rule relating to underwriting, rating, or rate filing as a result of granting an exception under this section.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.151 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter D. Filing of Credit Scoring Models|Section 559.151. Filing Required

Sec. 559.151.  FILING REQUIRED.  (a)  An insurer that uses credit scores to underwrite and rate risks shall file the insurer's credit scoring models or other credit scoring processes with the department.(b)  Another entity may file credit scoring models on behalf of an insurer.(c)  A filing that includes credit scoring may include loss experience justifying the use of credit information.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.152 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter D. Filing of Credit Scoring Models|Section 559.152. Public Information

Sec. 559.152.  PUBLIC INFORMATION.  A credit scoring model filed to comply with this chapter, as of the date the filing is received by the department:(1)  is public information;(2)  is not subject to any exceptions to disclosure under Chapter 552, Government Code; and(3)  cannot be withheld from disclosure under any other law.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 559.201 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 559 - Credit Scoring and Credit Information|Subchapter E. Enforcement|Section 559.201. Violation

Sec. 559.201.  VIOLATION.  An insurer that violates this chapter or a rule adopted under this chapter commits an unfair practice in violation of Chapter 541 and is subject to sanctions under Chapter 82.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.020(a), eff. September 1, 2005.|
TX Ins Code § 562.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.001. Purpose

Sec. 562.001.  PURPOSE.  The purpose of this chapter is to regulate trade practices in the business of discount health care programs by:(1)  defining or providing for the determination of trade practices in this state that are unfair methods of competition or unfair or deceptive acts or practices;  and(2)  prohibiting those unfair or deceptive trade practices.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.002. Definitions

Sec. 562.002.  DEFINITIONS.  In this chapter:(1)  "Advertisement, solicitation, or marketing material" means material that is made, published, disseminated, circulated, or placed before the public:(A)  in a newspaper, magazine, or other publication;(B)  in a notice, circular, pamphlet, letter, or poster;(C)  over a radio or television station;(D)  through the Internet;(E)  in a telephone sales script; or(F)  in any other manner.(2)  "Discount health care program" means a business arrangement or contract in which an entity, in exchange for fees, dues, charges, or other consideration, offers its members access to discounts on health care services provided by health care providers.  The term does not include an insurance policy, certificate of coverage, or other product otherwise regulated by the department or a self-funded or self-insured employee benefit plan.(3)  "Discount health care program operator" means a person who, in exchange for fees, dues, charges, or other consideration, operates a discount health care program and contracts with providers, provider networks, or other discount health care program operators to offer access to health care services at a discount and determines the charge to members.(4)  "Health care services" includes physician care, inpatient care, hospital surgical services, emergency services, ambulance services, laboratory services, audiology services, dental services, vision services, mental health services, substance abuse services, chiropractic services, and podiatry services, and the provision of medical equipment and supplies, including prescription drugs.(5)  "Marketer" means a person who sells or distributes, or offers to sell or distribute, a discount health care program, including a private label entity that places its name on and markets or distributes a discount health care program, but does not operate a discount health care program.(6)  "Member" means a person who pays fees, dues, charges, or other consideration for the right to participate in a discount health care program.(7)  "Person" means an individual, corporation, association, partnership, or other legal entity.(8)  "Program operator" means a discount health plan program operator.(9)  "Provider" means a person who is licensed or otherwise authorized to provide health care services in this state.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.003. Venue for Actions Involving Department or Commissioner

Sec. 562.003.  VENUE FOR ACTIONS INVOLVING DEPARTMENT OR COMMISSIONER.  An action under this chapter in which the department or commissioner is a party must be brought in a district court in Travis County.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.004. Applicability

Sec. 562.004.  APPLICABILITY.  Except as otherwise provided by this chapter, a program operator, including the operator of a freestanding discount health care program or a discount health care program marketed by an insurer or a health maintenance organization, shall comply with this chapter.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.0041 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.0041. Exemption

Sec. 562.0041.  EXEMPTION.  This chapter does not apply to a health care sharing ministry operated under Chapter 1681.|Added by Acts 2013, 83rd Leg., R.S., Ch. 455 (S.B. 874), Sec. 2, eff. June 14, 2013.|
TX Ins Code § 562.005 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter A. General Provisions|Section 562.005. Liberal Construction

Sec. 562.005.  LIBERAL CONSTRUCTION.  This chapter shall be liberally construed and applied to promote the underlying purposes as provided by Section 562.001.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.051 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.051. Misrepresentation Regarding Discount Health Care Program

Sec. 562.051.  MISREPRESENTATION REGARDING DISCOUNT HEALTH CARE PROGRAM.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs to:(1)  misrepresent the price range of discounts offered by the discount health care program;(2)  misrepresent the size or location of the program's network of providers;(3)  misrepresent the participation of a provider in the program's network;(4)  suggest that a discount card offered through the program is a federally approved Medicare prescription discount card;(5)  use the term "insurance," except as:(A)  a disclaimer of any relationship between the discount health care program and insurance; or(B)  a description of an insurance product connected with a discount health care program; or(6)  use the term "health plan," "coverage," "copay," "copayments," "deductible," "preexisting conditions," "guaranteed issue," "premium," "PPO," or "preferred provider organization," or another similar term, in a manner that could reasonably mislead an individual into believing that the discount health care program is health insurance or provides coverage similar to health insurance.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.052 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.052. False Information and Advertising

Sec. 562.052.  FALSE INFORMATION AND ADVERTISING.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs to make, publish, disseminate, circulate, or place before the public or directly or indirectly cause to be made, published, disseminated, circulated, or placed before the public an advertisement, solicitation, or marketing material containing an untrue, deceptive, or misleading assertion, representation, or statement regarding the discount health care program.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.053. Failure to Register or Renew Registration; False Registration or Renewal Statement

Sec. 562.053.  FAILURE TO REGISTER OR RENEW REGISTRATION; FALSE REGISTRATION OR RENEWAL STATEMENT.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs to:(1)  fail to register or renew registration as required under Chapter 7001; or(2)  with intent to deceive:(A)  file with the department a false statement in connection with an application for registration as a program operator under Chapter 7001; or(B)  file with the department a false statement in connection with an application for renewal of a registration as a program operator under Chapter 7001.(b)  The commissioner may impose on a person operating a discount health care program for the person's failure to register or renew registration as required under Chapter 7001 any remedy that the commissioner is authorized to impose under Chapter 101 for the unauthorized business of insurance.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.054 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.054. Misrepresentation of Discount Health Care Programs

Sec. 562.054.  MISREPRESENTATION OF DISCOUNT HEALTH CARE PROGRAMS.  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs to misrepresent a discount health care program by:(1)  making an untrue statement of material fact;(2)  failing to state a material fact necessary to make other statements made not misleading, considering the circumstances under which the statements were made;(3)  making a statement in a manner that would mislead a reasonably prudent person to a false conclusion of a material fact;(4)  making a material misstatement of law;  or(5)  failing to disclose a matter required by law to be disclosed, including failing to make an applicable disclosure required by this code.|Added by Acts 2009, 81st Leg., R.S., Ch. 1331 (H.B. 4341), Sec. 1, eff. September 1, 2009.|
TX Ins Code § 562.055 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.055. Network Participation Requirements

Sec. 562.055.  NETWORK PARTICIPATION REQUIREMENTS.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs for a discount health care program operator or an affiliate or agent of a discount health care program operator to require a pharmacy or pharmacist to:(1)  participate in a specified provider network as a condition of processing a claim for prescription drugs under the discount health care program; or(2)  participate in, or process claims under, a discount health care program as a condition of participation in a provider network.(b)  A discount health care program operator is not legally liable for any act or omission of an agent of the operator in violation of Subsection (a).|Added by Acts 2015, 84th Leg., R.S., Ch. 573 (H.B. 3028), Sec. 1, eff. September 1, 2015.|
TX Ins Code § 562.056 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 562 - Unfair Methods of Competition and Unfair or Deceptive Acts or Practices Regarding Discount Health Care Programs|Subchapter B. Unfair Methods of Competition And|Section 562.056. Certain Methods of Promotions

Sec. 562.056.  CERTAIN METHODS OF PROMOTIONS.  (a)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs for a discount health care program operator to pay any consideration to a health care services provider or employee of a health care services provider:(1)  to encourage an individual to claim a discount for prescription drugs under a discount health care program; or (2)  to include discount health care program information on a prescription for a drug or in materials accompanying the prescription.(b)  It is an unfair method of competition or an unfair or deceptive act or practice in the business of discount health care programs for a discount health care program operator to provide a person with written prescription forms that could reasonably mislead an individual to believe that the discount health care program is health insurance or provides coverage similar to health insurance.|Added by Acts 2015, 84th Leg., R.S., Ch. 573 (H.B. 3028), Sec. 1, eff. September 1, 2015.|