reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3903.85 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.85 | Authorized Control Level Event Duties of Superintendent and Insurer.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|(A) For purposes of sections 3903.81 to 3903.93 of the Revised Code, an "authorized control level event" is any of the following events:(1) The filing of an RBC report by an insurer that indicates that the insurer's total adjusted capital is greater than or equal to its mandatory control level RBC but less than its authorized control level RBC;(2) The notification by the superintendent of insurance to an insurer of an adjustment to the insurer's RBC report, the adjusted RBC report showing the insurer's total adjusted capital within the range described in division (A)(1) of this section, provided that the insurer does not challenge the adjusted RBC report under section 3903.87 of the Revised Code;(3) The superintendent's notification to an insurer, following the hearing required under section 3903.87 of the Revised Code, that the superintendent has rejected the insurer's challenge to an adjusted RBC report showing the insurer's total adjusted capital within the range described in division (A)(1) of this section;(4) The failure of an insurer to respond, in a manner satisfactory to the superintendent, to a corrective order issued under division (B)(3) of section 3903.84 of the Revised Code, provided that the insurer has not challenged the corrective order under section 3903.87 of the Revised Code;(5) The failure of an insurer to respond, in a manner satisfactory to the superintendent, to a corrective order issued under division (B)(3) of section 3903.84 of the Revised Code, subsequent to the superintendent's modification of an earlier order or the superintendent's rejection of the insurer's challenge of the order under section 3903.87 of the Revised Code.(B) In the case of an authorized control level event, the superintendent shall do the following:(1) Take the actions required under section 3903.84 of the Revised Code for regulatory action level events;(2) If the superintendent considers it to be in the best interests of the policyholders and creditors of the insurer and of the public, take such actions as are necessary to place the insurer under regulatory control under sections 3903.01 to 3903.59 of the Revised Code. The authorized control level event shall be deemed sufficient grounds for the superintendent to take action under sections 3903.01 to 3903.59 of the Revised Code. Nothing in sections 3903.81 to 3903.93 of the Revised Code shall impair or restrict the rights, powers, and protections afforded to the superintendent and to insurers under sections 3903.01 to 3903.59 of the Revised Code.
Ohio Rev Code § 3903.87 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.87 | Right to Request Hearing.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|(A) An insurer has the right to a hearing upon receiving any of the following from the superintendent of insurance:(1) An adjusted RBC report;(2) Notification that the insurer's RBC plan or revised RBC plan is unsatisfactory and a statement that the notification constitutes a regulatory action level event for the insurer;(3) Notification that the superintendent has determined that the insurer has failed to adhere to its RBC plan or revised RBC plan, which failure has a substantial adverse effect on the ability of the insurer to eliminate the conditions leading to a company action level event in accordance with its RBC plan or revised RBC plan;(4) A corrective order issued under division (B)(3) of section 3903.84 of the Revised Code.(B) An insurer shall notify the superintendent of its request for a hearing within five days after its receipt of any item listed in division (A) of this section. Upon the superintendent's receipt of the insurer's request for a hearing, the superintendent shall set a date for the hearing, which date shall be no less than ten days and no more than thirty days after the superintendent's receipt of the insurer's request.(C) An insurer may challenge any determination or action taken by the superintendent under sections 3903.81 to 3903.93 of the Revised Code at the hearing held pursuant to this section. The hearing shall not be a public hearing, unless the insurer requests a public hearing.
Ohio Rev Code § 3903.89 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.89 | Effectiveness of Notice.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|Unless otherwise provided, all notices sent to an insurer by the superintendent of insurance that may result in regulatory action under sections 3903.81 to 3903.93 of the Revised Code shall be effective upon dispatch if transmitted by registered or certified mail. Any other notice transmitted shall be effective upon the insurer's receipt of the notice.
Ohio Rev Code § 3903.90 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.90 | Annual Report by Foreign Insurer.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|(A) Each foreign insurer shall submit to the superintendent of insurance, upon receiving the superintendent's written request, an RBC report for the calendar year just ended. The insurer shall submit the RBC report to the superintendent by the later of:(1) The date a domestic insurer would be required to file an RBC report under section 3903.82 of the Revised Code;(2) Fifteen days after the superintendent's request is received by the foreign insurer.(B) Each foreign insurer shall, upon receiving the superintendent's written request, promptly submit to the superintendent a copy of any RBC plan or revised RBC plan filed with the insurance regulatory authority of any other state.(C) The superintendent may require a foreign insurer to file an RBC plan with the superintendent in the case of a company action level event, regulatory action level event, or authorized control level event involving the foreign insurer, if the insurance regulatory authority of the state of domicile of the foreign insurer fails to require the foreign insurer to file an RBC plan in the manner specified under that state's RBC laws, if any. The failure of a foreign insurer to file an RBC plan or revised RBC plan with the superintendent as required shall be grounds for the superintendent to order the insurer to cease and desist from writing new insurance business in this state.(D) In the case of a mandatory control level event involving a foreign insurer, if no domiciliary receiver has been appointed for the foreign insurer under the rehabilitation and liquidation laws applicable in the state of domicile of the foreign insurer, the superintendent may make application to the court of common pleas as permitted under sections 3903.50 to 3903.59 of the Revised Code for an order directing the superintendent to liquidate the property of the foreign insurer found in this state. The occurrence of the mandatory control level event shall be deemed sufficient grounds for the superintendent to make application to the court.
Ohio Rev Code § 3903.91 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.91 | Regulatory Officials - Immunity.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|There shall be no liability on the part of, and no cause of action shall arise against, the superintendent of insurance, or the department of insurance, its employees, or its agents, for any action taken in their performance of the powers and duties under sections 3903.81 to 3903.93 of the Revised Code.
Ohio Rev Code § 3903.92 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.92 | Requirements for Exempting Insurer From Sections.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|The superintendent may exempt any domestic property and casualty insurer from the application of sections 3903.81 to 3903.93 of the Revised Code, if the insurer meets all of the following requirements:(A) The insurer writes direct business only in this state;(B) The insurer writes direct annual premiums of three million dollars or less;(C) The insurer assumes no reinsurance in excess of five per cent of direct premium written.
Ohio Rev Code § 3903.93 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.93 | Rules.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|The superintendent may adopt rules in accordance with Chapter 119. of the Revised Code as are reasonably necessary for the implementation and operation of sections 3903.81 to 3903.93 of the Revised Code.
Ohio Rev Code § 3903.99 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3903 | Reserve Valuation; Rehabilitation and Liquidation|Section 3903.99 | Penalty.

Effective: March 7, 1983|Latest Legislation:  House Bill 830 - 114th General Assembly|Whoever violates division (B) or (C) of section 3903.06 of the Revised Code shall be fined not more than ten thousand dollars or imprisoned for not more than one year, or both.
Ohio Rev Code § 3904.02 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.02 | Applicability of Chapter.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|(A) The obligations of sections 3904.01 to 3904.22 of the Revised Code apply to those insurance institutions, agents, or insurance support organizations that, on or after the effective date of these sections, do either of the following:(1) Collect, receive, or maintain information in connection with insurance transactions that pertains to natural persons who are residents of this state;(2) Engage in insurance transactions with applicants, individuals, or policyholders who are residents of this state.(B) The rights granted by sections 3904.01 to 3904.22 of the Revised Code extend to both of the following persons who are residents of this state:(1) Natural persons who are the subject of information collected, received, or maintained in connection with insurance transactions;(2) Applicants, individuals, or policyholders who engage in or seek to engage in insurance transactions.(C) For purposes of this section, a person is 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.
Ohio Rev Code § 3904.03 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.03 | Pretext Interviews.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|No insurance institution, agent, or insurance support organization shall use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction. However, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally or statutorily recognized privileged relationship with the person about whom the information relates for the purpose of investigating a claim where, based upon specific information available for review by the superintendent of insurance, there is a reasonable basis for suspecting criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with the claim.
Ohio Rev Code § 3904.05 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.05 | Marketing or Research Questions.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|An insurance institution or agent shall clearly specify those questions designed to obtain information solely for marketing or research purposes from an individual in connection with an insurance transaction.
Ohio Rev Code § 3904.06 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.06 | Disclosure Authorization Form.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|No insurance institution, agent, or insurance support organization shall use as its disclosure authorization form in connection with insurance transactions a form or statement that authorizes the disclosure of personal or privileged information about an individual to the insurance institution, agent, or insurance support organization, unless the form or statement:(A) Is written in plain language;(B) Is dated;(C) Specifies the types of persons authorized to disclose information about the individual;(D) Specifies the nature of the information authorized to be disclosed;(E) Names the insurance institution or agent and identifies by generic reference representatives of the insurance institution to whom the individual is authorizing information to be disclosed;(F) Specifies the purposes for which the information is collected;(G) Specifies the length of time such authorization shall remain valid, which shall be no longer than:(1) In the case of authorizations signed for the purpose of collecting information in connection with an application for an insurance policy, a policy reinstatement, or a request for change in policy benefits, thirty months from the date the authorization is signed;(2) In the case of authorizations signed for the purpose of collecting information in connection with a claim for benefits under an insurance policy:(a) The term of coverage of the policy if the claim is for a health insurance benefit;(b) The duration of the claim if the claim is not for a health insurance benefit.(H) Advises the individual or a person authorized to act on behalf of the individual that the individual or the individual's authorized representative is entitled to receive a copy of the authorization form.
Ohio Rev Code § 3904.07 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.07 | Investigative Consumer Report.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|(A) No insurance institution, agent, or insurance support organization may prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits unless the insurance institution or agent informs the individual that he may request to be interviewed in connection with the preparation of the investigative consumer report, and that upon a request under section 3904.08 of the Revised Code, he 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 insurance institution or agent shall institute reasonable procedures to conduct a personal interview requested by an individual.(C) If an investigative consumer report is to be prepared by an insurance support organization, the insurance 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 institute reasonable procedures to conduct such interviews, if requested.
Ohio Rev Code § 3904.10 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.10 | Written Reason for Adverse Underwriting Decision Summary of Rights.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|(A) In the event of an adverse underwriting decision, the insurance institution or agent responsible for the decision shall provide the applicant, policyholder, or individual proposed for coverage with the specific reason or reasons for the adverse underwriting decision in writing, or advise such person that upon written request he may receive the specific reason or reasons in writing. The institution or agent shall also provide the applicant, policyholder, or individual with a summary of his rights under division (B) of this section and under sections 3904.08 and 3904.09 of the Revised Code.(B) Upon receipt of a written request within ninety business days from the date of the mailing of notice or other communication of an adverse underwriting decision to an applicant, policyholder, or individual proposed for coverage, the insurance institution or agent within twenty-one business days from the date of receipt of such written request, shall furnish all of the following:(1) The specific reason or reasons for the adverse underwriting decision, in writing, if such information was not initially furnished in writing pursuant to division (A) of this section;(2) The specific items of personal and privileged information that support those reasons. However, the following conditions apply:(a) The insurance institution or agent shall not be required to furnish specific items of privileged information if it has a reasonable suspicion, based upon specific information available for review by the superintendent of insurance, that the applicant, policyholder, or individual proposed for coverage has engaged in criminal activity, fraud, material misrepresentation, or material nondisclosure;(b) Specific items of medical record information supplied by a medical care institution or medical professional shall be disclosed either directly to the individual about whom the information relates or to a medical professional designated by the individual and licensed to provide medical care with respect to the condition to which the information relates, whichever the insurance institution or agent prefers.(3) The names and addresses of the institutional sources that supplied the specific items of information pursuant to division (B)(2) of this section. However, the identity of any medical professional or medical care institution shall be disclosed either directly to the individual or to the designated medical professional, whichever the insurance institution or agent prefers.(C) The obligations imposed by this section upon an insurance institution or agent may be satisified by another insurance institution or agent authorized to act on its behalf.(D) When an adverse underwriting decision results solely from an oral request or inquiry, the explanation of reasons and summary of rights required by division (A) of this section may be given orally.
Ohio Rev Code § 3904.11 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.11 | Inquiry Concerning Previous Adverse Underwriting Decision.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|No insurance institution, agent, or insurance support organization may seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by an individual, unless such inquiry also requests the reasons for any previous adverse underwriting decision.
Ohio Rev Code § 3904.12 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.12 | Prohibited Bases for Adverse Underwriting Decision.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|No insurance institution or agent may base an adverse underwriting decision in whole or in part on either of the following:(A) On the fact of a previous adverse underwriting decision. However, 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.(B) On personal information received from an insurance support organization whose primary source of information is insurance institutions. However, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as a result of information received from such insurance support organization.
Ohio Rev Code § 3904.14 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.14 | Obtaining Information Under False Pretenses.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|(A) No person shall knowingly obtain information under false pretenses about an individual from an insurance institution, agent, or insurance support organization.(B) Whoever violates division (A) of this section is guilty of a felony of the fourth degree.
Ohio Rev Code § 3904.15 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3904 | Insurance Information Practices|Section 3904.15 | Superintendent May Examine and Investigate Conduct.

Effective: June 29, 1995|Latest Legislation:  House Bill 329 - 120th General Assembly|(A) The superintendent of insurance may examine and investigate into the affairs of every insurance institution or agent doing business in this state to determine whether the insurance institution or agent has been or is engaged in any conduct in violation of sections 3904.01 to 3904.22 of the Revised Code.(B) The superintendent may examine and investigate into the affairs of every insurance support organization acting on behalf of an insurance institution or agent that either transacts business in this state or transacts business outside this state that has an effect on a person residing in this state to determine whether such insurance support organization has been or is engaged in any conduct in violation of sections 3904.01 to 3904.22 of the Revised Code.