reglab/housing_qa huggingface dataset:
TN Code § 56-57-102 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 57 - Volunteer Rx|§ 56-57-102. Authority for a Prescription Drug Discount Plan Known as “Volunteer Rx”

  The department of health is authorized to develop and implement a prescription drug discount plan, which shall be known as “Volunteer Rx,” or, if the department of health deems appropriate, may contract for, pursuant to state purchasing laws, a prescription drug discount plan. The purpose of this section is to assist in providing, when possible, cost savings on medications for uninsured Tennesseans, or for insured Tennesseans whose insurance does not provide for prescription drug coverage on or after January 1, 2005.   Notwithstanding subsection (a), the department of health may, if funding is made available through the general appropriations act, provide benefits through the prescription drug discount plan. The benefits would be limited by the funds specifically appropriated for that purpose. The department of health shall also have the authority to develop and implement prescription drug discount plans targeted for specific defined populations. The plans may also incorporate benefits; provided, that funds are specifically allocated for the benefits in the general appropriations act.   In developing the plans authorized by this section, the department of health may consider the use of different means to lower the overall cost to participants, including, but not limited to, the payment or waiver of any membership fees, as well as the use of cost-sharing arrangements and deductibles.   Nothing in the creation of a prescription drug discount program, pursuant to this section, shall be construed as creating any entitlement by any individuals or entities to any services or medications.
TN Code § 56-57-103 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 57 - Volunteer Rx|§ 56-57-103. Certificate of Registration Required by Operator of Discount Drug Plan — Application

  An operator of a prescription drug discount plan must obtain a valid certificate of registration from the commissioner. The certificate shall be valid for one (1) year from the date of issuance. In order to receive a valid certificate of registration, the operator shall file an application on a form adopted by the commissioner, and provide or demonstrate to the commissioner each of the following:  The name and principal place of business of the operator;   A copy of the operator's promotional materials that are distributed to prospective members;   A list of drugs and drug classifications that make up the drug discount plan, or a notation that the plan is an open formulary; and   The name and address of the agent in this state for service of process.     Notwithstanding any law to the contrary, it shall be unlawful and a violation of this chapter for any operator, after August 1, 2005, to sell, market, promote, advertise or otherwise distribute a prescription drug discount plan in Tennessee without first complying with the registration provisions of this chapter, and complying with §§ 47-18-2701 and 47-18-2702.
TN Code § 56-57-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 57 - Volunteer Rx|§ 56-57-104. Information Required to Be Provided Members

  Each prescription drug discount card, or any materials distributed on behalf of any prescription drug discount plan covered under this chapter, shall expressly provide, in bold and reasonably prominent type, that the card or plan does not constitute health insurance. The card or distributed materials must also contain a toll-free number for customer service, and provide the operator's corporate name and a website address, if applicable.   The operator must provide each prospective member, prior to becoming a member, with a complete description of the fees that a member of the plan could be assessed, including any upfront fees or membership fees associated with the plan, along with the estimated average savings typically associated with the plan's general terms and conditions.   An operator must provide each member with:  A network directory of participating pharmacies, which shall be updated annually, or access to the information online or by a toll-free number;   A list of the prescription drugs covered by the card or plan, which shall be updated annually, or access to the information online, by a toll-free number, or by way of a notation that the plan is an open formulary; and   A toll-free number for customer service.
TN Code § 56-57-105 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 57 - Volunteer Rx|§ 56-57-105. Cancellation by Members

  Each member shall have the right to cancel membership in a plan within thirty (30) days of joining the plan, and shall have the right to have refunded any and all membership fees paid during that initial membership.   For prescription drug discount plans requiring a paid membership, after the initial thirty-day membership period, a member shall have the right to cancel membership, in accordance with the policies established by the operator. Information concerning the cancellation policy of the operator must be provided to the member at the time of the initial membership and cannot be changed unless thirty-day written notice is provided to the member.
TN Code § 56-57-106 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 57 - Volunteer Rx|§ 56-57-106. Violations — Penalties

 After notice and hearing, the commissioner may levy an administrative penalty, in an amount up to ten thousand dollars ($10,000), for each violation of the registration provisions of this chapter. Each day of a continuing violation constitutes a separate violation for purposes of this chapter.
TN Code § 56-58-101 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 58 - Interstate Insurance Product Regulation Compact Act of 2007|§ 56-58-101. Short Title

 This chapter shall be known and may be cited as the “Interstate Insurance Product Regulation Compact Act of 2007.”
TN Code § 56-59-101 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-101. Short Title — Purpose — Applicability

  This chapter shall be known and may be cited as the “Guaranteed Asset Protection Waiver Act of 2008.”   The purpose of this chapter is to provide a framework within which guaranteed asset protection (GAP) waivers are defined and may be offered within the state. GAP waivers governed under this chapter are not insurance and are exempt from the insurance laws of this state. Persons marketing, soliciting, negotiating, selling or offering to sell GAP waivers to borrowers that comply with this chapter are exempt from this state's insurance licensing requirements. This chapter does not apply to an insurance policy offered by an insurer under the insurance laws of this state or a debt cancellation or debt suspension contract being offered in compliance in 12 CFR Part 37 or 12 CFR Part 721 or other state or federal law, including § 45-2-601.
TN Code § 56-59-102 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-102. Chapter Definitions

 The following definitions are for purposes of this chapter and are not intended to provide actual terms required in GAP waivers:   “Administrator” means a person, other than an insurer or creditor, that performs administrative or operational functions pursuant to the GAP waiver program;   “Borrower” means a debtor, retail buyer or lessee under a finance agreement;   “Commissioner” means the commissioner of commerce and insurance;   “Creditor” means:  The lender in a loan or credit transaction;   The lessor in a lease transaction;   Any motor vehicle dealer as defined in § 55-17-102;   The seller in commercial retail installment transactions; or   The assignees of any of subdivisions (4)(A)-(D) to whom the credit obligation is payable;     “Finance agreement” means a loan, lease or retail installment sales contract for the purchase of a motor vehicle;   “Free look period” means the period of time from the effective date of the GAP waiver until the date the borrower may cancel the contract without penalty, fees or costs to the borrower. This period of time shall not be shorter than thirty (30) days;   “Guaranteed asset protection waiver” or “GAP waiver” means a contractual agreement wherein a creditor agrees for a separate charge to cancel or waive all or part of amounts due on a borrower's finance agreement in the event of a total physical damage loss or unrecovered theft of a motor vehicle, which agreement must be part of, or a separate addendum to, the finance agreement;   “Insurer” means an insurance company licensed, registered, or otherwise authorized to do business under the laws of this state, including surplus lines insurers;   “Motor vehicle” means self propelled or towed vehicles designed for personal or commercial use, including, but not limited to, automobiles, trucks, motorcycles, recreational vehicles, all terrain vehicles, campers, boats, personal watercraft, and motorcycle, boat, camper and personal watercraft trailers;   “Person” includes an individual, company, association, organization, partnership, business trust, corporation, and every form of legal entity;   “Related finance company” means a finance company that has common ownership of fifty percent (50%) or more with the retail seller;   “Retail buyer” means a person who buys motor vehicles not principally for the purpose of resale; and   “Retail seller” means a person that is regularly engaged in the selling of motor vehicles to a retail buyer and that holds any necessary license or licenses to sell to a retail buyer.
TN Code § 56-59-103 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-103. Gap Waiver — Insurance Policy

  GAP waivers may be offered, sold, or provided to borrowers in this state in compliance with this chapter.   GAP waivers may, at the option of the creditor, be sold for a single payment or may be offered with a monthly or periodic payment option.   Notwithstanding any other law, any cost to the borrower for a GAP waiver entered into in compliance with the Truth in Lending Act (15 U.S.C. § 1601 et seq.), and its implementing regulations, must be separately stated and is not to be considered a finance charge or interest.    A retail seller shall insure its GAP waiver obligations under a contractual liability or other insurance policy issued by an insurer; provided, that:  A retail seller that does not assign the financing agreement of which the GAP waiver is a part to anyone other than the retail seller's related finance company is not required to insure its GAP waiver obligation; and   Retail sellers that are lessors of motor vehicles are not required to insure obligations related to GAP waivers on leased vehicles.     A creditor not otherwise required to insure its GAP waiver obligation pursuant to subdivision (d)(1) may insure its GAP waiver obligation under a contractual liability policy or other such policy issued by an insurer. Any such insurance policy may be directly obtained by a creditor, retail seller, or may be procured by an administrator to cover a creditor or retail seller's obligations.     The GAP waiver remains a part of the finance agreement upon the assignment, sale or transfer of such finance agreement by the creditor.   Neither the extension of credit, the term of credit, nor the term of the related motor vehicle sale or lease may be conditioned upon the purchase of a GAP waiver.   Any creditor that offers a GAP waiver must report the sale of, and forward funds received on all such waivers to the designated party, if any, as prescribed in any applicable administrative services agreement, contractual liability policy, other insurance policy or other specified program documents.   Funds received or held by a creditor or administrator and belonging to an insurer, creditor or administrator, pursuant to the terms of a written agreement must be held by such creditor or administrator in a fiduciary capacity.
TN Code § 56-59-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-104. Coverage Under Contractual Liability or Other Insurance Policy — Cancellation

  Contractual liability or other insurance policies insuring GAP waivers must state the obligations of the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under the GAP waivers issued by the creditor and purchased or held by the borrower.   Coverage under a contractual liability or other insurance policy insuring a GAP waiver must also cover any subsequent assignee upon the assignment, sale or transfer of the finance agreements.   Coverage under a contractual liability or other insurance policy insuring a GAP waiver must also remain in effect unless canceled or terminated in compliance with applicable insurance laws of this state.   The cancellation or termination of a contractual liability or other insurance policy must not reduce the insurer's responsibility for GAP waivers issued by the creditor prior to the date of cancellation or termination and for which premium has been received by the insurer.
TN Code § 56-59-105 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-105. Disclosure of Guaranteed Asset Protection Waiver

 GAP waivers must disclose, as applicable, in writing and in clear, understandable language that is easy to read, the following:   The name and address of the initial creditor and the borrower at the time of sale, and the identity of any administrator if different from the creditor;   The purchase price and the terms of the GAP waiver, including, without limitation, the requirements for protection, conditions, or exclusions associated with the GAP waiver;   That the borrower may cancel the GAP waiver within a free look period, as specified in the waiver, and will be entitled to a full refund of the purchase price; provided, that no claim for benefits has been made or no benefits have been paid, or in the event a claim has been made or benefits have been paid, the borrower may receive a full or partial refund if the waiver so provides;   The procedure the borrower must follow, if any, to obtain GAP waiver benefits under the terms and conditions of the waiver, including a telephone number and address where the borrower may apply for waiver benefits;   Whether or not the GAP waiver is cancelable after the free look period and the conditions under which it may be cancelled or terminated including the procedures for requesting any refund due;   That in order to receive any refund due in the event of a borrower's cancellation of the GAP waiver agreement or early termination of the finance agreement after the free look period of the GAP waiver, the borrower, in accordance with terms of the waiver, must provide a written request to cancel to the creditor, administrator or such other party, within ninety (90) days after the borrower's decision to cancel the waiver or the occurrence of the event terminating the finance agreement;   The methodology for calculating any refund of the unearned purchase price of the GAP waiver due, in the event of cancellation of the GAP waiver or early termination of the finance agreement;   That neither the extension of credit, the terms of the credit, nor the terms of the related motor vehicle sale or lease, may be conditioned upon the purchase of the GAP waiver; and   That the cost of the GAP waiver is not regulated and that the consumer has the responsibility to determine whether the cost of the GAP waiver is reasonable in relation to the protection afforded by the GAP waiver.
TN Code § 56-59-106 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-106. Cancellation or Termination of Gap Waiver or Finance Agreement — Free Look Period

  GAP waiver agreements may be cancelable or noncancelable after the free look period. GAP waivers must provide that if a borrower cancels a waiver within the free look period, the borrower will be entitled to a full refund of the purchase price; provided, that no claims have been made or no benefits have been paid, or in the event benefits have been paid or claims made, the borrower may receive a full or partial refund if the waiver so provides.   In the event of a borrower's cancellation of the GAP waiver or early termination of the finance agreement, after the agreement has been in effect beyond the free look period, the borrower may be entitled to a refund of any unearned portion of the purchase price of the waiver unless the waiver provides otherwise. In order to receive a refund, the borrower, in accordance with any applicable terms of the waiver, must provide a written request to the creditor, administrator or other party within ninety (90) days after the borrower's decision to cancel the waiver or the occurrence of the event terminating the finance agreement.   If the cancellation of a GAP waiver occurs as a result of a default under the finance agreement or the repossession of the motor vehicle associated with the finance agreement, or any other termination of the finance agreement, any refund due may be paid directly to the creditor or administrator and applied as set forth in subsection (d).   Any cancellation refund under subsections (a)-(c) may be applied by the creditor as a reduction of the amount owed under the finance agreement, unless the borrower can show that the finance agreement has been paid in full.
TN Code § 56-59-107 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-107. Lease or Sale Associated With a Commercial Transaction — Applicability of Specified Sections

  Sections 56-59-103(c), 56-59-105 and 56-59-108 are not applicable to a GAP waiver offered in connection with a lease or sale associated with a commercial transaction.   For purposes of subsection (a), “commercial transaction” means a transaction involving the sale or lease of a motor vehicle that is intended or will be used primarily for a purpose other than personal, family or household use.
TN Code § 56-59-108 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-108. Powers and Duties of Commissioner — Violations and Penalties

 The commissioner may take action that is necessary or appropriate to enforce this chapter and to protect GAP waiver holders in this state. After proper notice and opportunity for hearing the commissioner may:   Order the creditor, administrator or any other person not in compliance with this section to cease and desist from further GAP waiver related operations that are in violation of this chapter;   Impose a penalty of not more than five hundred dollars ($500) per violation and no more than ten thousand dollars ($10,000) in the aggregate for all violations of similar nature. For purposes of this section, violations must be of a similar nature if the violation consists of the same or similar course of conduct, action or practice, regardless of the number of times the action, conduct or practice that is determined to be a violation of this chapter occurred; and   Order any person found to have violated this chapter to cease and desist from selling, soliciting, or negotiating a GAP waiver in this state.
TN Code § 56-59-109 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008|§ 56-59-109. Insurance Laws — Exemptions

 The general assembly finds that GAP waivers are not insurance. The general assembly also finds that GAP waivers complying with this chapter are exempt from the insurance laws of this state.
TN Code § 56-60-101 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 60 - Preferred Provider Organization Transparency Act|§ 56-60-101. Short Title

 This chapter shall be known and may be cited as the “Preferred Provider Organization Transparency Act.”
TN Code § 56-60-103 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 60 - Preferred Provider Organization Transparency Act|§ 56-60-103. Exceptions

 This chapter does not apply:   In circumstances where access to the provider network contract is granted to an affiliate or a subsidiary of a contracting entity, or other entity if operating under the same brand licensee program as the contracting entity;   To a contract between a contracting entity and a discount medical plan organization; or   To the provision of any medical services for injuries covered by the Workers' Compensation Law, compiled in title 50, chapter 6.
TN Code § 56-60-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 60 - Preferred Provider Organization Transparency Act|§ 56-60-104. Registration as a Contracting Entity

  Any individual or entity that commences business as a contracting entity shall register with the department within thirty (30) days of commencing business in this state unless the individual or entity is licensed by the department as an insurer or third party administrator. Any contracting entity not licensed by the department as an insurer or third party administrator shall register with the department within ninety (90) days of January 1, 2010. If a contracting entity fails to register with the department in compliance with this section, then the commissioner may assess penalties as set forth in § 56-2-305(a)(1) or (a)(2).    Registration shall consist of the submission of the following information:  The official name of the contracting entity, including any doing business as (d/b/a) designations used in this state;   The mailing address and official telephone number for the contracting entity's principal headquarters;   The name and telephone number of the contracting entity's representative who will serve as the primary contact with the department; and   Any other information as requested by the department.     The information required by subdivision (b)(1) shall be submitted in written or electronic format, as prescribed by the department.     The department may impose a registration fee to defray the cost of administering this section.
TN Code § 56-60-106 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 60 - Preferred Provider Organization Transparency Act|§ 56-60-106. Subsequent Grants of Access to Another Third Party

  Any third party, having itself been granted access to a provider's health care services and contractual discounts pursuant to a provider network contract, that subsequently grants access to another third party, is obligated to comply with the rights and responsibilities imposed on contracting entities under §§ 56-60-104 and 56-60-105.   Any third party that enters into a contract with another third party to access a provider's health care services and contractual discounts pursuant to a provider network contract is obligated to comply with the rights and responsibilities imposed on third parties under this section and § 56-60-105.   Any third party that subsequently grants access to another third party will provide to the contracting entity the location of a web site or a telephone number that the contracting entity will make available to providers as provided in § 56-60-105(b)(2) that will identify to providers any individual or entity to whom the third party has granted access to the provider's health care services and contractual discounts pursuant to the provider network contract. The third party shall update the listing on the web site or available through the telephone number on a routine basis as additional individuals or entities are granted access and shall review the listing no less frequently than quarterly to ensure the completeness and accuracy of the information available.