reglab/housing_qa huggingface dataset:
RI Gen L § 27-58-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-58 - The Banking And Insurance Consumer Protection Act|Section 27-58-12 - Physical location of insurance activities.

§ 27-58-12. Physical location of insurance activities.The place of solicitation or sale of insurance by any financial institution shall be from an office physically separated from the banking activities of the institution. Physical separation shall not be defined as a separate building. The commissioner shall have the authority to promulgate rules and regulations to implement this section pursuant to § 27-58-4.History of Section.P.L. 1996, ch. 325, § 1.
RI Gen L § 27-58-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-58 - The Banking And Insurance Consumer Protection Act|Section 27-58-13 - Penalties.

§ 27-58-13. Penalties.Any person who violates the provisions of this chapter, or who fails to perform any duties imposed by this chapter, or who violates any administrative regulation promulgated pursuant to this chapter shall be liable for a civil penalty not to exceed the sum of one hundred dollars ($100) for each day which the violation continues, and in addition, may be concurrently enjoined from any further violations by the superior court upon petition of the insurance commissioner.History of Section.P.L. 1996, ch. 325, § 1.
RI Gen L § 27-59-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-1 - Definitions.

§ 27-59-1. Definitions.As used in this chapter, unless the context requires otherwise:(1) "Alien insurance company" means any insurance company incorporated or organized under the laws of any country other than the United States.(2) "Commissioner" means the director of the department of business regulation.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-59-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-2 - Licensing authority.

§ 27-59-2. Licensing authority.Any alien insurance company, with the approval of the commissioner, may be treated, in whole or in part, as a domestic insurer of this state; provided, that:(1) The alien insurance company appoints a resident registered agent to accept service of process and to act on its behalf in this state. Whenever the registered agent cannot with reasonable diligence be found at the registered office of the alien insurance company, the commissioner shall be an agent of the alien insurance company on which any process, notice, or demand may be served; and(2) The alien insurance company obtains from the commissioner a license authorizing it to do insurance business in the state.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-59-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-3 - Approval of the commissioner.

§ 27-59-3. Approval of the commissioner.The commissioner in determining whether to approve an alien insurance company may consider:(1) Maintenance of an appropriate trust account, surplus account, or other financial mechanisms in this state;(2) Maintenance of all books and records of the United States operations in this state;(3) Maintenance of a separate financial reporting system for its United States operations; and(4) Any other provisions deemed necessary by the insurance commissioner.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-59-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-4 - Deposits of security - Amounts.

§ 27-59-4. Deposits of security — Amounts.(a) Every alien insurance company authorized to transact business in this state shall at all times maintain a deposit with the general treasurer of the state of Rhode Island in cash or in securities in which insurance companies are authorized to invest, a sum equal to the greater of total United States liabilities or one million dollars ($1,000,000). The securities shall be approved, and the amount of the deposit shall be determined, by the commissioner. The commissioner, in the commissioner's discretion, may permit the withdrawal of interest earnings.(b) In lieu of the deposits provided in this section, an alien insurance company may file with the commissioner a bond of equal amount executed by a licensed United States surety company so conditioned for the protection of Rhode Island creditors and policyholders.(c) An alien insurance company shall not be granted a certificate of authority to transact business in this state, or renewal of the certificate, until the deposit is made, and the commissioner may revoke the certificate of authority of an alien insurance company which fails to make the deposit in a reasonable period of time.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-59-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-5 - Laws applicable.

§ 27-59-5. Laws applicable.All provisions of this title shall apply to alien insurance companies as if they were domestic insurance companies. If the provisions of this chapter are inconsistent with the provisions of any other law, general, special, or local, the provisions of this chapter shall be controlling.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-59-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-59 - Alien Insurance Companies|Section 27-59-6 - Regulations.

§ 27-59-6. Regulations.The commissioner shall promulgate any rules and regulations required to implement this chapter.History of Section.P.L. 1997, ch. 67, § 1.
RI Gen L § 27-60-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act|Section 27-60-1 - Short title.

§ 27-60-1. Short title.This chapter may be cited as the "Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act."History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-60-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act|Section 27-60-3 - Unfair discrimination against subjects of abuse prohibited.

§ 27-60-3. Unfair discrimination against subjects of abuse prohibited.A health carrier shall not engage, directly or indirectly, in an unfairly discriminatory act or practice against a subject of abuse.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-60-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act|Section 27-60-5 - Justification of adverse insurance decisions.

§ 27-60-5. Justification of adverse insurance decisions.A health carrier that takes an action that adversely affects a subject of abuse on the basis of a medical condition that the health carrier knows or has reason to know is abuse-related shall explain the reason for its action to the applicant or insured, in writing, and shall be able to demonstrate that its action, and any applicable plan provision:(1) Does not have the purpose or effect of treating abuse status as a medical condition or underwriting criterion;(2) Is not based upon any actual or perceived correlation between a medical condition and abuse;(3) Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claim is abuse-related; and(4) Is based on a determination, made in conformance with sound actuarial principles and supported by reasonable statistical evidence, that there is a correlation between the medical condition and a material increase in insurance risk.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-60-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act|Section 27-60-6 - Insurance protocols for subjects of abuse.

§ 27-60-6. Insurance protocols for subjects of abuse.Health carriers shall develop, file with the commissioner and adhere to protocols specifying how health carrier employees, contractors, agents and brokers will pursue an insurance action, including claims investigation and subrogation, that may impact the safety of a subject of abuse involved with that action.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-60-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act|Section 27-60-7 - Enforcement.

§ 27-60-7. Enforcement.Violations of this chapter are subject to the provisions of §§ 27-29-8 and 27-29-9 and may include injunctive relief and/or a requirement for restitution. The powers and duties set forth in this section are in addition to all other authority of the commissioner.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-60.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-1 - Short title.

§ 27-60.1-1. Short title.This chapter shall be known and may be cited as the "Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance Act."History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-2 - Purpose.

§ 27-60.1-2. Purpose.The purpose of this chapter is to prohibit unfair discrimination by property and casualty insurers and insurance professionals on the basis of abuse status. Nothing in this chapter shall be construed to create or imply a private cause of action for a violation of this chapter.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-3 - Scope.

§ 27-60.1-3. Scope.This chapter applies to all property and casualty insurers and insurance professionals involved in issuing or renewing, in this state, a policy of property and casualty insurance.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-4 - Definitions.

§ 27-60.1-4. Definitions.For the purposes of this chapter:(1) "Abuse" means the occurrence of one or more of the following acts by a current or former family member, household member, intimate partner or caretaker:(i) Attempting to cause or intentionally, knowingly or recklessly causing another person bodily injury, physical harm, severe emotional distress, psychological trauma, rape, sexual assault or involuntary sexual intercourse;(ii) Knowingly engaging in a course of conduct or repeatedly committing acts toward another person including following the person without proper authority, under circumstances that place the person in reasonable fear of bodily injury or physical harm;(iii) Subjecting another person to false imprisonment; or(iv) Attempting to cause or intentionally, knowingly, or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another person.(2) "Abuse-related claim" means a claim under a property and casualty policy for a loss resulting from an act of abuse.(3) "Abuse status" means the fact or perception that a natural person is, has been, or may be a subject of abuse, irrespective of whether the natural person has incurred abuse-related claims.(4) "Commissioner" means the director of the department of business regulation or his or her designee.(5) "Confidential abuse information" means information about acts of abuse or abuse status of a subject of abuse, the address and telephone number (home and work) of a subject of abuse or the status of an applicant or insured as a family member, employer or associate of, or a person in a relationship with, a subject of abuse.(6) "Insurance professional" means a producer, broker, adjuster or third-party administrator as defined in the insurance laws of this state.(7) "Insured" means the party named on a policy or certificate as the individual with legal rights to the benefits provided by such policy.(8) "Insurer" means a person or other entity engaged in the business of property and casualty insurance in this state including all residual market mechanisms.(9) "Policy" means a contract of insurance, including endorsements, riders or binders issued, proposed for issuance, or intended for issuance by an insurer or insurance professional.(10) "Subject of abuse" means a natural person against whom an act of abuse has been directed; who has current or prior injuries, illnesses or disorders that resulted from abuse; or who seeks, may have sought or had reason to seek medical or psychological treatment for abuse; or protection, court-ordered protection or shelter from abuse.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-6 - Justification of adverse insurance decisions.

§ 27-60.1-6. Justification of adverse insurance decisions.An insurer or insurance professional that takes an action not prohibited by § 27-60.1-5 that adversely affects an applicant or insured on the basis of claim or other underwriting information that the insurer or insurance professional knows or has reason to know is abuse-related shall explain the reason for its action to the applicant or insured in writing and shall be able to demonstrate that its action, and any applicable policy provision:(1) Does not have the purpose of treating abuse status as an underwriting criterion; and(2) Is otherwise permissible by law and applies in the same manner and to the same extent to all applicants and insureds with a similar claim or claims history without regard to whether the claims are abuse-related.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-7 - Insurance protocols for subjects of abuse.

§ 27-60.1-7. Insurance protocols for subjects of abuse.Insurers shall develop and adhere to written policies specifying procedures to be followed by employees and by insurance professionals they contract with, for the purpose of protecting the safety and privacy of a subject of abuse and shall otherwise implement the provisions of this chapter when taking an application, investigating a claim, pursuing subrogation or taking any other action relating to a policy or claim involving a subject of abuse. Insurers shall distribute their written policies to employees and insurance professionals.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-60.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance|Section 27-60.1-8 - Effective date.

§ 27-60.1-8. Effective date.This chapter applies to all actions taken on or after the effective date, except where otherwise explicitly stated. Nothing in this chapter shall require an insurer or insurance professional to conduct a comprehensive search of its contract files existing on the effective date solely to determine which applicants or insureds are subjects of abuse.History of Section.P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
RI Gen L § 27-61-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-1 - Short title.

§ 27-61-1. Short title.This chapter may be cited as the "Unfair Discrimination Against Subjects of Abuse in Life Insurance Act."History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-61-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-2 - Definitions.

§ 27-61-2. Definitions.For the purposes of this chapter:(1) "Abuse" means the occurrence of one or more of the following acts by a current or former family member, household member, intimate partner, or caretaker:(i) Attempting to cause or intentionally, knowingly or recklessly causing another person bodily injury, physical harm, severe emotional distress, psychological trauma, rape, sexual assault or involuntary sexual intercourse;(ii) Knowingly engaging in a course of conduct or repeatedly committing acts toward another person including following the person or minor child without proper authority, under circumstances that place the person or minor child in reasonable fear of bodily injury or physical harm;(iii) Subjecting another person to false imprisonment; or(iv) Attempting to cause or intentionally, knowingly, or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another person.(2) "Abuse-related medical condition" means a medical condition sustained by a subject of abuse that arises in whole or part out of an act or pattern of abuse.(3) "Abuse status" means the fact or perception that a person is, has been, or may be a subject of abuse, irrespective of whether the person has sustained abuse-related medical conditions.(4) "Commissioner" means the director of the department of business regulation.(5) "Insured" means the person whose life is covered under an insurance policy.(6) "Insurer" means a person or other legal entity engaged in the business of insurance in this state, including agents, brokers, adjusters or third party administrators.(7) "Policy" or "certificate" means a contract of insurance or annuity issued, proposed for issuance, or intended for issuance by an insurer, including endorsements or riders.(8) "Subject of abuse" means a person against whom an act of abuse has been directed; who has current or prior injuries, illnesses or disorders that resulted from abuse; or who seeks, may have sought, or had reason to seek medical or psychological treatment for abuse; or protection, court-ordered protection or shelter from abuse.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-61-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-3 - Unfair discrimination against subjects of abuse prohibited.

§ 27-61-3. Unfair discrimination against subjects of abuse prohibited.No insurer issuing or renewing a policy of life insurance in this state shall engage in an unfairly discriminatory act or practice against a subject of abuse, and that act or practice is deemed to be an unfair or deceptive act or practice under chapter 29 of this title.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-61-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-5 - Justification of adverse insurance decisions.

§ 27-61-5. Justification of adverse insurance decisions.An insurer of an individual or group policy that takes an underwriting action that adversely affects a subject of abuse on the basis of a medical condition that the insurer knows is abuse-related shall explain the reason for its action to the applicant or insured in writing and shall be able to demonstrate that its action:(1) Does not treat abuse status as a medical condition;(2) Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claims abuse-related; and(3) Is based on a determination, made in conformance with sound actuarial principles or related actual or reasonably anticipated experience, that there is a correlation between the medical condition and a material increase in insurance risk.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-61-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-6 - Insurance protocols for subjects of abuse.

§ 27-61-6. Insurance protocols for subjects of abuse.Insurers shall develop and adhere to written policies specifying procedures to be followed by employees, contractors, producers, agents and brokers for the purpose of protecting the safety and privacy of a subject of abuse and implement the provisions of this chapter when taking an application, investigating a claim, pursuing subrogation or taking any other action relating to a policy or claim involving a subject of abuse.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-61-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act|Section 27-61-7 - Enforcement.

§ 27-61-7. Enforcement.Violations of this chapter are subject to the provisions of §§ 27-29-8 and 27-29-9 and may include injunctive relief and/or a requirement for restitution. The powers and duties set forth in this section are in addition to all other authority of the commissioner.History of Section.P.L. 1997, ch. 163, § 1.
RI Gen L § 27-62-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-62 - Life Insurance Policy Illustration|Section 27-62-1 - Purpose.

§ 27-62-1. Purpose.The purpose of this chapter is to provide rules for life insurance policy illustrations that will protect consumers and foster consumer education. The chapter provides illustration formats, prescribes standards to be followed when illustrations are used, and specifies the disclosures that are required in connection with illustrations. The goals of this chapter are to ensure that illustrations do not mislead purchasers of life insurance and to make illustrations more understandable. Insurers will, as far as possible, eliminate the use of footnotes and caveats and define terms used in the illustration in language that would be understood by a typical person within the segment of the public to which the illustration is directed.History of Section.P.L. 1998, ch. 56, § 1.
RI Gen L § 27-62-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-62 - Life Insurance Policy Illustration|Section 27-62-2 - Applicability and scope.

§ 27-62-2. Applicability and scope.This chapter applies to all group and individual life insurance policies and certificates except:(1) Variable life insurance;(2) Individual and group annuity contracts;(3) Credit life insurance; and(4) Life insurance policies with no illustrated death benefits on any individual exceeding ten thousand dollars ($10,000).History of Section.P.L. 1998, ch. 56, § 1.