reglab/housing_qa huggingface dataset:
NY Ins L § 2202 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2202 - Prerequisites.

§  2202.  Prerequisites.  (a)  Certification  shall not be made by the superintendent unless there shall be on file in his office the following documents:  (1) a written application by the person to be certified in  such  form and containing such information the superintendent prescribes; and  (2)  a  statement executed by an officer of the insurer or the savings bank which is to be named in such certificate, that the insurer or  bank is  satisfied  that  the  applicant  is  trustworthy  and  competent  to negotiate for applications or  orders  for  life  insurance  or  annuity contracts  and  to solicit and procure from the public such applications or orders.  (b) (1) In order to  determine  trustworthiness  and  competency,  the applicant  shall  be  required to pass a personal written examination to the satisfaction of the superintendent. Such examination shall  be  held at  times  and places set by the superintendent. Every individual taking any such  examination  shall  pay  to  the  superintendent,  or  at  the superintendent's  discretion, directly to any organization that is under contract to provide examination  services,  an  examination  fee  of  an amount  which is the actual documented administrative cost of conducting said qualifying examination as certified by the superintendent from time to time. An examination fee represents an administrative expense and  is not refundable.  (2) No individual shall be qualified to take the examination unless he possesses   the   same   qualifications   regarding   insurance   course requirements as those required pursuant to subparagraph (A) of paragraph two of subsection (f) of section two thousand one hundred three of  this chapter for agent licensing pursuant to such section.  (3) The superintendent may accept, in lieu of the examination required by  paragraph one hereof, the result of any previous written examination given by him which in his judgment is equivalent to the examination  for which it is substituted.  (c)  The  superintendent  may  refuse to certify any person if, in his judgment, such person is not trustworthy and competent, or has failed to comply with any prerequisite for the issuance of such certificate.  (d) The superintendent may issue a  replacement  for  a  currently  in force  certificate  which  has  been  lost  or  destroyed.  Before  such replacement certificate shall be issued, there shall be on file  in  the office  of the superintendent a written application for such replacement certificate, affirming  under  penalty  of  perjury  that  the  original certificate  has  been lost or destroyed, together with a fee of fifteen dollars.
NY Ins L § 2204 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2204 - Revocation or Suspension.

§  2204.  Revocation or suspension. (a) The superintendent may revoke, or may suspend for such period as he may determine, any  certificate  if he determines that the person named in the certificate has:  (1)  violated  any  provision  of,  or  any obligation imposed by this chapter or has violated any law in the  course  of  any  activities  for which such certificate is required;  (2)   made  a  material  misstatement  in  the  application  for  such certificate;  (3) been guilty of fraudulent or dishonest practices; or  (4) demonstrated his incompetency or untrustworthiness.  (b)  Before  revoking  or  suspending  any   such   certificate,   the superintendent  shall  give to the person and the employer of the person named in such  certificate  notice  of  hearing  as  specified  in  this chapter.
NY Ins L § 2205 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2205 - Prohibitions.

§  2205.  Prohibitions.  (a)  It  shall be unlawful for any officer or employee of a licensed insurer or of a savings bank, other than  a  duly licensed  agent,  as a part of his duties, to negotiate for applications or orders for life insurance or  annuity  contracts  or  to  solicit  or procure from the public such applications or orders in any office of any insurer or of any savings bank, without being certified pursuant to this article.  (b) It shall be unlawful for any insurer or any savings bank to employ any  uncertified  person,  as  a  part  of  his duties, to negotiate for applications or orders for life insurance or  annuity  contracts  or  to solicit  or  procure  from the public such applications or orders in any office of the insurer or bank.
NY Ins L § 2206 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2206 - Termination of Services.

§  2206.  Termination  of  services. (a) Every insurer or savings bank shall, upon the termination of the services of any officer  or  employee certified  under  this article, forthwith file with the superintendent a statement, in such form as the superintendent prescribes, of  the  cause and  facts  relative  to  such  termination.  The  certificate issued or reasonable  proof  of  loss  acceptable  to  the  superintendent   shall accompany such statement.  (b)  Every  statement  made  pursuant  to  this  section  shall  be  a privileged communication.
NY Ins L § 2207 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2207 - Transfer.

§  2207.  Transfer.  The  superintendent is authorized to transfer the   certification of any person issued pursuant to  this  article  from  one   insurer  or  savings  bank  to  another insurer or savings bank, without   examination.
NY Ins L § 2208 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2208 - Misleading Statements.

§  2208.  Misleading  statements.  Every person who has been certified   pursuant to the provisions of this article shall be subject to  sections   two   thousand   one   hundred  twenty-two,  two  thousand  one  hundred   twenty-three and two thousand one hundred twenty-seven of this chapter.
NY Ins L § 2209 (2021)
2021 New York Laws ISC - Insurance Article 22 - Certification of Employees of Insurers and Savings Banks Offering Life Insurance 2209 - Stay or Suspension of Superintendent's Determination.

§  2209.  Stay  or  suspension  of superintendent's determination. The   commencement of a proceeding under article seventy-eight  of  the  civil   practice  law  and  rules, to review any action by the superintendent in   issuing or in refusing to issue, or in suspending  or  revoking,  or  in   refusing to suspend or revoke, any certificate under this article, shall   stay such action of the superintendent for a period of thirty days. Such   stay  shall  not  be extended for a longer period unless the court shall   determine, after a preliminary hearing of which  the  superintendent  is   notified   forty-eight   hours   in   advance,   that   a  stay  of  the   superintendent's action pending the final determination or further order   of the court will not unduly injure the interests of the people  of  the   state.
NY Ins L § 2301 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2301 - Purpose.

§  2301. Purpose. The purpose of this article is to promote the public   welfare by regulating insurance rates  to  the  end  that  they  not  be   excessive,  inadequate  or  unfairly  discriminatory,  to  promote price   competition and competitive behavior among insurers,  to  provide  rates   that  are  responsive  to  competitive market conditions, to improve the   availability and reliability of insurance and to authorize and  regulate   cooperative action among insurers within the scope of this article.
NY Ins L § 2302 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2302 - Applicability.

§  2302.  Applicability.  (a) This article shall apply to all kinds of insurance written on risks or operations in this  state  by  an  insurer authorized to do business in this state except:  (1)  reinsurance (other than joint reinsurance to the extent stated in section two thousand three hundred seventeen of this article);  (2) accident and health insurance;  (3)   annuities,   life   insurance,    including    provisions    for non-cancellable disability benefits in conjunction therewith;  (4) marine insurance (other than inland marine insurance and insurance upon automobiles, airplanes, seaplanes, dirigibles or other aircraft);  (5) marine protection and indemnity insurance;  (6)  insurance  issued  by  an  assessment  cooperative fire insurance company; and  (7) service contract reimbursement insurance.  (b) The superintendent may from time to time make investigations  with respect  to  classes  of  risks  of  the  kinds of insurance exempted in paragraph one hereof and may call upon all authorized insurers and  rate service organizations making rates for such risks to furnish information relative thereto.
NY Ins L § 2303 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2303 - Standards for Rates.

§ 2303. Standards for rates. Rates shall not be excessive, inadequate,   unfairly  discriminatory,  destructive  of competition or detrimental to   the solvency of insurers. In determining whether rates comply  with  the   foregoing  standards, the superintendent shall include all income earned   by such insurer and  any  insurer  controlling  or  controlled  by  such   insurer  or  under  common  control  by  or with such insurer on all its   investments of any kind and wherever located. The  superintendent  shall   further  determine  whether  any  component  of  such rates represent an   effort on the part of the insurer to recover losses incurred in  another   state  due to any referendum, law or regulation which requires a general   reduction in rates for the kinds of insurance described in  section  two   thousand  three  hundred  two  of  this article. Such a finding shall be   deemed unfairly discriminatory for the purposes of this article.
NY Ins L § 2306 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2306 - Delegation of Rate Filing Obligation.

§  2306.  Delegation of rate filing obligation. An insurer or group of   insurers  may  discharge  the  rate  filing   obligation   required   by   subsections  (b)  and  (c) of section two thousand three hundred five of   this article by giving notice to the superintendent that it  uses  rates   and rate information prepared by a designated rate service organization,   with such information and modifications thereof as is necessary fully to   inform the superintendent. The rate and rate information of such insurer   or  group of insurers shall be those filed from time to time by the rate   service  organization,  including  any  amendments  thereto  as   filed,   subject,  however,  in the case of an insurer to the modifications filed   by such insurer.
NY Ins L § 2307 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2307 - Rating Classifications or Territories; Policy Forms.

§  2307.  Rating  classifications or territories; policy forms. (a) No insurer or rate service organization shall use a  rating  classification or territory unless it has been filed with the superintendent and either he  has  approved  it,  or  ninety  days  have  elapsed  and  he has not disapproved it as unfairly discriminatory or violative of public policy.  (b) Except as otherwise provided  herein,  no  policy  form  shall  be delivered  or  issued  for  delivery  unless  it has been filed with the superintendent and either he  has  approved  it,  or  thirty  days  have elapsed  and  he  has  not  disapproved it as misleading or violative of public policy. After notice and hearing to the insurer or  rate  service organization   which   submitted   a   policy  form  for  approval,  the superintendent may withdraw approval of such form on  finding  that  the use of such form is contrary to the legal requirements applicable at the time  of  withdrawal.  The  effective date of the withdrawal of approval shall be prescribed by the superintendent but shall  be  not  less  than ninety  days  after  notice of withdrawal. With regard to residual value insurance, policy forms and any amendments thereto shall be  filed  with the  superintendent  within thirty days of their use by the insurer. For purposes of this subsection, "residual value insurance" shall  have  the same  meaning  as set forth in paragraph twenty-two of subsection (a) of section one thousand one hundred  thirteen  of  this  chapter,  provided however,  for  the purposes of this subsection such insurance shall only be utilized for commercial purposes,  and  shall  not  include  personal lines  of  insurance  as  defined  in paragraph two of subsection (a) of section three thousand four hundred twenty-five of this chapter  or  any commercial  auto  insurance,  and,  provided further that applicants for such insurance  shall  sign  a  statement  that  the  applicant  has  an appropriate  level of knowledge and understanding of the use of residual value insurance.   * (c) With respect to kinds of insurance or insurance  activities  the rates  for  which,  pursuant  to  subsection (a) of section two thousand three hundred five of this article, are not subject to  prior  approval, any  requirement  in  subsections  (a) and (b) of this section of filing with or prior approval by the superintendent may be waived by regulation adopted by the superintendent after a public hearing.   * NB Expires July 1, 2023  (d) All policy forms and rating classifications and territories  filed with  the superintendent shall be available for public inspection at the department.  (e) Policy forms for inland marine risks  where  the  rates  for  such risks  by  general  custom  of the business are not written according to manual rates or rating plans shall not be filed pursuant  to  subsection (b)  of  this  section,  unless  the superintendent directs that they be filed.
NY Ins L § 2308 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2308 - Imposition of Prior Approval.

* §  2308.  Imposition  of  prior  approval. (a) If the superintendent determines, after a hearing, at which representatives of  consumers  and other  interested  parties may participate, and on the basis of findings of fact and conclusions, that, with respect to any territory or  to  any kind,   subdivision   or  class  of  insurance,  competition  is  either insufficient to assure that rates will not be excessive, or so conducted as to be destructive of competition or detrimental to  the  solvency  of insurers,  he shall order that the rates for such insurance or territory shall be subject to prior approval under subsection (b) of  section  two thousand  three hundred five of this article and to all other provisions of this article applicable to rates subject  to  such  subsection.  Such order  shall have a specified duration of not more than one year but may be renewed by the superintendent  upon  appropriate  findings  of  fact, conclusions and order. Within thirty days after the close of the hearing the  superintendent shall make his determination in a report which shall be made public.  (b) The superintendent, by regulation adopted after a hearing,  shall, where    appropriate,    establish    objective   standards,   including industry-wide   profitability   standards   and   market   concentration standards,  for  determining  when  a hearing pursuant to subsection (a) hereof shall be called.  (c) This  section  shall  be  applicable  to  kinds  of  insurance  or insurance  activities the rates for which, pursuant to subsection (a) of section two thousand three hundred five of this article, are not subject to prior approval.   * NB Expires July 1, 2023
NY Ins L § 2309 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2309 - Excess Rate.

§  2309.  Excess  rate.  Notwithstanding  any other provisions of this   article, upon the  written  application  of  the  insured,  stating  the   insured's   reasons   therefor,   filed   with   and   approved  by  the   superintendent, a rate in excess  of  the  rate  provided  by  a  filing   otherwise applicable may be used on any specific risk.
NY Ins L § 2310 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2310 - Informational Filings.

§  2310.  Informational  filings. * (a) Every insurer and rate service organization shall furnish to the superintendent, on or before the  date of  their  use,  all  changes in the rating rules and schedules of rates which are not subject to prior approval pursuant to  subsection  (b)  of section  two  thousand  three  hundred  five  of  this  article  and the statistical, rating and other information in support of changes in  such rating  classifications  and  territories.  Such  rules,  schedules  and information shall be available for public inspection at the department.   * NB Expires July 1, 2023  (b) The rates for inland marine risks which by general custom  of  the business are not written according to manual rates or rating plans shall not   be   filed   pursuant   to   subsection  (a)  hereof,  unless  the superintendent directs that they be filed.  (c) Specific inland marine rates on risks specially rated, made  by  a rate  service  organization,  shall  be filed pursuant to subsection (a) hereof.
NY Ins L § 2311 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2311 - Suspension of Filing Requirement.

§  2311.  Suspension  of  filing requirement. (a) Under such rules and regulations as he shall adopt, the superintendent may, by order, suspend or modify the requirements of  filing  as  to  any  kind  of  insurance, subdivision or combination thereof, or as to classes of risks, the rates for which cannot practicably be filed before they are used.  (b) Such orders, rules and regulations shall be made known to insurers and rate service organizations affected thereby.
NY Ins L § 2314 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2314 - Charging of Rates.

§  2314.  Charging  of  rates.  No  authorized  insurer  shall, and no   licensed insurance agent, no title insurance agent, no employee or other   representative of an  authorized  insurer,  and  no  licensed  insurance   broker  shall  knowingly,  charge  or demand a rate or receive a premium   that departs from the rates, rating plans,  classifications,  schedules,   rules  and  standards in effect on behalf of the insurer, or shall issue   or make any policy or contract involving a violation thereof.
NY Ins L § 2317 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2317 - Joint Underwriting or Joint Reinsurance.

§  2317.  Joint  underwriting  or  joint reinsurance. (a) Every group, association or other organization of insurers  which  engages  in  joint underwriting  or  joint  reinsurance shall be subject to regulation with respect thereto as herein provided, subject, however,  with  respect  to joint  underwriting,  to all other applicable provisions of this article and, with respect to joint reinsurance, to subsection (e) of section two thousand three hundred twenty-one and section two thousand three hundred twenty-two of this article.  (b) If, after hearing, the superintendent finds that any  activity  or practice  of any such group, association or other organization is unfair or unreasonable or otherwise inconsistent with the  provisions  of  this article,  he  may issue a written order specifying in what respects such activity or practice is unfair or unreasonable or otherwise inconsistent with the provisions of this article, and requiring the discontinuance of such activity or practice.  (c) Every such group, association, or other organization  of  insurers shall be subject to examination by the superintendent as often as he may deem it expedient.
NY Ins L § 2318 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2318 - Risk Sharing Plans.

§ 2318. Risk sharing plans. Agreements may be made among insurers with   respect to the equitable apportionment among them of insurance which may   be  afforded applicants who are in good faith entitled to but are unable   to procure such insurance through ordinary methods,  and  such  insurers   may  agree  among themselves on the use of reasonable rate modifications   subject to the approval of the superintendent; but  this  section  shall   not apply to workers' compensation insurance.
NY Ins L § 2322 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2322 - Final Determination; Procedure on Orders Without Hearing.

§ 2322. Final determination; procedure on orders without hearing.  (a) After  a  final  determination  against  an  insurer,  the amount of any overcharge  received  by  such  insurer  during  the  pendency  of   the proceedings, with interest thereon, shall upon demand be refunded by the insurer to the persons entitled thereto.  (b)   Any   insurer   or   rate  service  organization  to  which  the superintendent has directed an order made without a hearing may,  within thirty days after notice to it of the order, make written request to the superintendent  for  a  hearing.    Pending  a  hearing  and  a decision affirming,   reversing   or   modifying   his   previous   action,   the superintendent  may  suspend  or  postpone  the  effective  date  of his previous action.
NY Ins L § 2323 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2323 - Profitability and Rates of Return; Where Prior Approval Is Not Required.

* §  2323.  Profitability and rates of return; where prior approval is not required. (a) The superintendent shall  by  regulation  establish  a method  for  determining profitability, from whatever source profits are derived, and rates of return on net worth, assets and  earned  premiums, with respect to each kind of insurance subject to this article, based on reasonable and uniform assumptions, including assumptions as to:  (1) amounts of net worth attributable to such kinds of insurance;  (2)  assets  available  for  investment  generated  by  such  kinds of insurance;  (3) federal income taxes; and  (4) average earnings on insurers' investments.  (b) The regulation shall require insurers annually to  report  to  the superintendent,  who  will  make  these reports available to the public, concerning such profitability and rates of return.  (c) This  section  shall  be  applicable  to  kinds  of  insurance  or insurance  activities the rates for which, pursuant to subsection (a) of section two thousand three hundred five of this article, are not subject to prior approval.   * NB Expires July 1, 2023