reglab/housing_qa huggingface dataset:
SC Code § 37-17-55 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-55. Cancelation of membership; disclosures on initial contact; cancellation by customer.

 (A) If the discount medical plan organization cancels a membership for any reason other than nonpayment of fees by the customer, the discount medical plan organization shall make prorated reimbursement of all periodic charges to the customer.  (B) If the initial contact with the prospective customer is by telephone, disclosures must be made orally and included in the initial written materials that describe the benefits under the discount medical plan provided to the prospective or new customer and disclose that:  (1) the plan is not insurance;  (2) the range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received;  (3) unless the discount medical plan organization has an active certificate of authority to act as a third party administrator, the plan does not make payments to providers for the medical or ancillary services received under the discount medical plan;  (4) the customer is obligated to pay for all medical or ancillary services, but receives a discount from those providers that have contracted with the discount medical plan organization; and  (5) there is a toll-free telephone number and Internet website address for the registered discount medical plan organization for prospective customers and customers to obtain additional information about and assistance on the discount medical plan and up-to-date lists of providers participating in the discount medical plan, and that number and website address.  (C) A discount medical plan issued for delivery in this State is returnable or cancelable, within thirty days of the date of delivery of the card or a longer period if provided in the purchase agreement, by the customer or user for any reason, and the customer must receive a full refund of all fees, except nominal fees associated with enrollment costs, that were part of the cost of the card.  (1) A discount medical plan organization may not charge or collect a fee including a cancellation fee after a customer or user has given the organization notice of the customer's intention to return or cancel the plan.  (2) A discount medical plan organization shall ensure that each customer or user receives with the card a notice stating the terms under which the discount medical plan may be returned or cancelled. A discount medical plan returned or cancelled in accordance with this section is void from the date of purchase.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-60 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-60. Application of chapter.

 This chapter does not apply to:  (1) a pharmacy holding a permit or a company that owns one or more pharmacies holding a permit issued pursuant to Chapter 43, Title 40, that offers prescription discounts only from pharmacies;  (2) a benefit or program offered by a health insurer, health care service contractor, or health maintenance organization regulated pursuant to Title 38. A health insurer, health care service contractor, or health maintenance organization regulated pursuant to Title 38 that offers a discount medical plan that is not offered in conjunction with a health insurance plan it administers shall provide the department written notice of the name under which such a discount medical plan is offered and the telephone number and mailing address at which the plan can be contacted. The notice required by this subsection shall be provided to the department within thirty days of the initial offering of new medical discount plans in this State, and within ninety days of the effective date of this chapter for existing plans;  (3) an insured benefit administered by, or under contract with, the State of South Carolina; or  (4) a patient access program voluntarily sponsored by a pharmaceutical manufacturer, or a consortium of pharmaceutical manufacturers that provides free or discounted products directly to individuals either through a discount or direct shipment.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-70 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-70. Administrative appeals.

 An appeal concerning disciplinary action, a denial of an application for a new or renewal registration, a revocation or suspension of a registration, or a determination that a representative is unqualified must be made pursuant to the Administrative Procedures Act and the rules governing practice before the Administrative Law Court. A contested hearing pursuant to this chapter is before the Administrative Law Court, with notice to, and an opportunity for a hearing by, the affected discount medical plan organization, marketer, or representative.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-80 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-80. Hearings before Administrative Law Court; assessment of administrative penalties.

 (A) The department may file a request for a contested case hearing with the Administrative Law Court for an order requiring a person to cease and desist or an order revoking, suspending, or vacating the certificate of authority of a person, if the Administrative Law Court finds, after a hearing that the person:  (1) has violated or failed to comply with a provision of this chapter or a regulation promulgated pursuant to the authority of this chapter;  (2) has obtained a certificate of authority through wilful misrepresentation or fraud;  (3) has engaged in a fraudulent or deceptive practice;  (4) has wilfully, orally or in writing, misrepresented the terms, benefits, privileges, and provisions of a discount medical plan issued or to be issued by it;  (5) is unable to meet obligations as determined by generally accepted accounting principles;  (6) has, after notice to the person of an alleged occurrence of any of items (1) through (5), refused without just cause to submit relevant information to the administrator with respect to its services within this State.  (B) Instead of revocation, suspension, or refusal to continue a certificate of authority for a violation or violations of items (1) through (6) of subsection (A), the administrative law judge may assess an administrative penalty of not less than one hundred nor more than ten thousand dollars for each violation. These penalties may be assessed in connection with orders to cease and desist.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-90 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-90. Cease and desist orders.

 Upon satisfactory evidence that a discount medial plan organization has violated or failed to comply with a provision of this chapter or regulation promulgated pursuant to the authority of this chapter, the administrator may issue an order requiring the discount medical plan organization to cease and desist from engaging in the violation or may revoke or suspend the discount medical plan organization's registration.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-100 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-100. Request for reinstatement hearing following revocation or denial of renewal.

 If a registration is revoked or renewal is denied, the affected discount medical plan organization may request a reinstatement hearing after a minimum of one year. The department may reinstate or renew the registration only if the cause of the nonrenewal or revocation has been corrected.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-110 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-110. Assessment of costs.

 A discount medical plan organization that is found to be engaged in unlawful conduct may be assessed the reasonable costs necessary to the investigation, disciplinary proceedings, court proceedings, or other actions to enforce the provisions of this chapter.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-17-120 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 17 - Discount Medical Plan Organizations|Section 37-17-120. Promulgation of regulations.

 The department may promulgate regulations necessary to effectuate the purposes of this chapter.  HISTORY: 2006 Act No. 377, Section 1, eff January 1, 2007.
SC Code § 37-20-120 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-120. Verification of addresses.

 (A) A consumer credit-reporting agency must give notice to each creditor who uses a consumer report if the agency becomes aware that an application to a card issuer to open a new seller or lender credit card account bears an address for the consumer that is different from the address in its file of the consumer.  (B) A seller or lender credit card issuer that mails an offer or solicitation to receive a credit card and, in response, receives a completed application for a seller or lender credit card listing an address that is substantially different from the address on the offer or solicitation shall verify the change of address by contacting the person to whom the solicitation or offer was mailed, or by using other reasonable means of verifying the account holder's identity.  (C) When a seller or lender credit card issuer receives a written or oral request for a change of the cardholder's billing address and within a period not to exceed thirty days after the requested address change receives a written or oral request for an additional credit card, the credit card issuer may not mail the requested additional credit card to the new address or activate the requested additional credit card unless the issuer has verified the change of address.  (D) This section does not apply to a person that sends or receives address discrepancy notices in compliance with 15 U.S.C. 1681c(h) or regulations promulgated pursuant to it.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008.
SC Code § 37-20-130 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-130. Initiating law enforcement investigation of identity theft.

 A person who learns or reasonably suspects that the person is the victim of identity theft may initiate a law enforcement investigation by reporting to a local law enforcement agency that has jurisdiction over the person's actual legal residence. The law enforcement agency shall take the report, provide the complainant with a copy of the report, and begin an investigation.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008; 2013 Act No. 15, Section 2, eff April 23, 2013.
SC Code § 37-20-140 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-140. Reflection of innocence of identity theft victim of crime committed using name in court records of person convicted of committing identity theft; petition for expedited judicial determination of factual innocence.

 (A) If a person is convicted of unlawfully obtaining the personal identifying information of another person without the other person's authorization and using that information to commit a crime, the court records must reflect that the person whose identity was falsely used to commit the crime did not commit the crime.  (B) A person who reasonably believes that he is the victim of identity theft may petition the circuit court or have the County Office of Victims' Assistance petition the circuit court on his behalf, for an expedited judicial determination of his factual innocence, if the identity thief was arrested for and convicted of a crime under the victim's identity, or if the victim's identity has been mistakenly associated with a record of criminal conviction. A judicial determination of factual innocence made pursuant to this section may be heard and determined upon declarations, affidavits, police reports, or other material, relevant, and reliable information submitted by the parties. If the court determines that the petition is meritorious and that there is no reasonable cause to believe that the petitioner committed the offense for which the identity thief was arrested and convicted, the court shall find the petitioner factually innocent of that offense and issue an order certifying the determination and ordering the expunction of the erroneous conviction.  (C) A court may at any time vacate the determination of factual innocence if information submitted in support of the petition is found to contain material misrepresentation or fraud.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008.
SC Code § 37-20-150 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-150. Records of individuals who have been victims of identity theft to be maintained by State Law Enforcement Division; submission of fingerprints and other required information by victims.

 (A) The State Law Enforcement Division shall establish and maintain appropriate records of individuals who have been the victims of identity theft. The records will be maintained in a computerized database at such time that funds are appropriated to the State Law Enforcement Division. Access to the records is limited to criminal justice agencies, except that a victim of identity theft, or his authorized representative, shall have access to the records in order to establish that he is a victim of identity theft.  (B) A victim of identity theft must submit to the State Law Enforcement Division a copy of the police report, a full set of fingerprints, or other relevant information required by the State Law Enforcement Division for the inclusion in the records of identity theft victims. The State Law Enforcement Division shall verify the identity of the victim against a driver's license or other identification records maintained by the Department of Motor Vehicles or by other agencies.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008.
SC Code § 37-20-190 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-190. Requirements for disposition of business records; exceptions.

 (A) When a business disposes of a business record that contains personal identifying information of a customer of a business, the business shall modify, by shredding, erasing, or other means, the personal identifying information to make it unreadable or undecipherable.  (B) A business is considered to comply with subsection (A) if it contracts with a person engaged in the business of disposing of records for the modification of personal identifying information on behalf of the business in accordance with subsection (A).  (C) This section does not apply to:  (1) a bank or financial institution that is subject to and in compliance with the privacy and security provision of the Gramm-Leach-Bliley Act;  (2) a health insurer that is subject to and in compliance with the standards for privacy of individually identifiable health information and the security standards for the protection of electronic health information of the Health Insurance Portability and Accountability Act of 1996; or  (3) a consumer credit-reporting agency that is subject to and in compliance with the federal Fair Credit Reporting Act.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008.
SC Code § 37-20-200 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 20 - Consumer Identity Theft Protection|Section 37-20-200. Penalties imposed on consumer credit-reporting agencies for violation of chapter.

 (A) In addition to all other penalties that may be imposed, a consumer credit-reporting agency or other person that wilfully violates a provision of this chapter is liable for three times the amount of actual damages or not more than one thousand dollars for each incident, whichever is greater, as well as reasonable attorney's fees and costs.  (B) In addition to all other penalties that may be imposed, a consumer credit-reporting agency or other person that negligently violates this chapter is liable for actual damages and reasonable attorney's fees and costs.  (C) In addition to the damages assessed pursuant to subsections (A) and (B), if the injury is to the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, employment options, or eligibility for insurance, and results from the failure to place and enforce the security freeze provided for in Section 37-20-160 and the failure is not corrected by the consumer credit-reporting agency within ten days after the entry of a judgment for damages, the assessed damages must be increased to not more than one thousand dollars each day until the security freeze is imposed.  (D) A consumer seeking damages pursuant to this section also may institute a civil action to enjoin and restrain future acts constituting a violation of this chapter.  (E) The remedial provisions of this chapter are cumulative of and in addition to any other action at law and any action taken by the Department of Consumer Affairs pursuant to Chapter 6.  (F) This section is not intended, and must not be construed, to confer liability on a person who acts reasonably and who does not act wilfully or grossly negligent.  (G) Damages provided by this section do not apply to Section 37-20-170.  HISTORY: 2008 Act No. 190, Section 2, eff December 31, 2008.
SC Code § 37-21-10 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 21 - South Carolina Telephone Privacy Protection Act|Section 37-21-10. Short title.

 This chapter may be known and cited as the "South Carolina Telephone Privacy Protection Act".  HISTORY: 2018 Act No. 218 (H.4628), Section 1, eff May 18, 2018.
SC Code § 37-21-30 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 21 - South Carolina Telephone Privacy Protection Act|Section 37-21-30. Time restrictions on telephone solicitation.

 A telephone solicitor may not initiate, or cause to be initiated, a telephone solicitation at any time other than between 8:00 a.m. and 9:00 p.m. local time at the consumer's location, unless the telephone solicitor has obtained the prior written consent of the consumer.  HISTORY: 2018 Act No. 218 (H.4628), Section 1, eff May 18, 2018.
SC Code § 37-21-40 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 21 - South Carolina Telephone Privacy Protection Act|Section 37-21-40. Disclosure of certain information at the outset of and during a telephone solicitation.

 (A) At the outset of a telephone solicitation, a telephone solicitor shall provide, in a clear and conspicuous manner, a first and last name to identify himself and provide the name of the person on whose behalf the telephone solicitation is being made and promptly disclose to the consumer the following information:  (1) a telephone number and address at which the telephone solicitor may be contacted;  (2) the purpose of the telephone solicitation;  (3) that no purchase or payment is necessary to be able to win a prize or participate in a prize promotion if a prize promotion is offered. This disclosure must be made before or in conjunction with the description of the prize to the consumer. If requested by that person, the telephone solicitor must disclose the no purchase/no payment entry method for the prize promotion; and  (4) the option to be added to the telephone solicitor's in-house 'do not call' list if the consumer requests being added to such list, confirmation that the consumer's name and telephone number will be placed on such list.  (B) At the time of solicitation or offering, the telephone solicitor shall further disclose:  (1) a reasonable and good-faith estimate of the total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of the solicitation or offer; and  (2) if the telephone solicitor, or the person on whose behalf the telephone solicitation is being made, has a policy of not making refunds, cancellations, exchanges, or repurchases, a statement informing the consumer of that policy.  (C) If the consumer indicates that he does not want to hear the offer, the telephone solicitor must immediately end the contact.  HISTORY: 2018 Act No. 218 (H.4628), Section 1, eff May 18, 2018.
SC Code § 37-21-50 (2021)
2021 South Carolina Code of Laws|Title 37 - Consumer Protection Code|Chapter 21 - South Carolina Telephone Privacy Protection Act|Section 37-21-50. Accuracy of caller identification information required; exceptions.

 (A) Notwithstanding another provision of law, a person may not, with the intent to defraud, harass, cause harm or wrongfully obtain anything of value, including, but not limited to, financial resources or personal identifying information as defined by Section 16-13-510, make, place, or initiate a call or text message or engage in conduct that results in the display of misleading, false or inaccurate caller identification information on the receiving party's telephone or otherwise circumvent caller identification technology that allows the receiving party to identify from what phone number, location, or organization the call or text message has originated from or misrepresent the origin and nature of the call or text message. A person may not, with the intent described in this subsection:  (1) display a South Carolina area code on the recipient's caller identification system unless the person making, placing, or initiating the call or text message maintains a physical presence in the State; or  (2) display the receiving party's telephone number on the contacted party's caller identification system.  (B) the provisions of subsection (A) do not apply to a provider of landline or wireless communications services merely by virtue of its involvement in delivering a call or text message initiated by or on behalf of a third party, unless the provider provides substantial assistance or support to the telephone solicitor initiating the call when the provider knows or consciously avoids knowing such telephone solicitor is engaged in any act or practice that violates this chapter.  (C) A telephone solicitor who makes a telephone solicitation shall transmit the telephone number, and, when available by the telephone solicitor's carrier, the name of the telephone solicitor; provided, however, that it is not a violation of this subsection to substitute the name of the person on behalf of whom the telephone solicitation is initiated and the customer service telephone number of that person. The number provided must permit, during regular business hours, a consumer to make a request not to receive telephone solicitations.  (D) This section shall not apply to:  (1) lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency, a State, or a political subdivision of a State, or of an intelligence agency of the United States; or  (2) activity engaged in pursuant to a court order that specifically authorizes the use of caller identification manipulation.  HISTORY: 2018 Act No. 218 (H.4628), Section 1, eff May 18, 2018.