reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-35-60 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-60 - Prohibited provisions in insurance premium finance agreements.

 58-35-60. Prohibited provisions in insurance premium finance agreements.No insurance premium finance agreement shall contain any provisions by which:(1) In the absence of default of the insured, the insurance premium finance company holding the agreement may, arbitrarily and without reasonable cause, accelerate the maturity of any part or all of the amount owing thereunder;(2) A power of attorney is given to confess judgment in this State; or(3) The insured relieves the insurance agent or the insurance premium finance company holding the agreement from liability for any legal rights or remedies which the insured may otherwise have against him. (1963, c. 1118.)
NC Gen Stat § 58-35-65 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-65 - Delivery of copy of insurance premium finance agreement to insured.

 58-35-65. Delivery of copy of insurance premium finance agreement to insured.Before the due date of the first installment payable under an insurance premium finance agreement, the insurance premium finance company holding the agreement or the insurance agent shall cause to be delivered to the insured, or mail to the insured at the insured's address as shown in the agreement, a copy of the agreement. (1963, c. 1118; 1999-157, s. 4.)
NC Gen Stat § 58-35-70 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-70 - Payments by insured without notice of assignment of agreement.

 58-35-70. Payments by insured without notice of assignment of agreement.Unless the insured has notice of actual or intended assignment of the insurance premium finance agreement, payment thereunder by him to the last known holder of the agreement shall be binding upon all subsequent holders or assignees. (1963, c. 1118.)
NC Gen Stat § 58-35-75 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-75 - Statement of account; release on payment in full.

 58-35-75. Statement of account; release on payment in full.(a) At any time after its execution, but not later than one year after the last payment thereunder, an insurance premium finance company holding an insurance premium finance agreement shall, upon written request of the insured, give or mail to him a written statement of the dates and amounts of payments and the total amount, if any, unpaid thereunder.(b) After the payment of all sums for which an insured is obligated under an insurance premium finance agreement, and upon his written demand, the insurance premium finance company holding the agreement shall deliver, or mail to the insured at his last known address, such one or more good and sufficient instruments as may be necessary to acknowledge payment in full and to release all interest in or rights to the insurance contracts, the premiums for which were advanced or are to be advanced under the agreement. (1963, c. 1118.)
NC Gen Stat § 58-35-80 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-80 - Credit upon anticipation of payments.

 58-35-80. Credit upon anticipation of payments.(a) Notwithstanding the provisions of any insurance premium finance agreement to the contrary, any insured may pay it in full at any time before the maturity of the final installment of the balance thereof; and, if he does so and the agreement included an amount for service charge, he shall receive and be entitled to receive for such anticipation a refund credit thereon.(b) The amount of any such refund credit shall represent at least as great proportion of the service charge, if any, as the sum of the periodic balances after the month in which prepayment is made bears to the sum of all periodic balances under the schedule of installments in the agreement. Where the amount of the refund credit for anticipation of payment is less than one dollar ($1.00), no refund need be made. This section does not relieve the premium finance company of its duty to report and deliver these unrefunded monies to the State Treasurer in accordance with G.S. 116B-29(b). (1963, c. 1118; 1981, c. 394, s. 2; 1999-157, s. 5.)
NC Gen Stat § 58-35-90 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-90 - Violations; penalties.

 58-35-90. Violations; penalties.Any person who shall engage in the business referred to in this Article without first receiving a license, or who shall fail to secure a renewal of his license upon the expiration of the license year, or shall engage in the business herein referred to after the license has been suspended or revoked as herein provided, or who shall fail or refuse to furnish the information required of the Commissioner, or who shall willfully and knowingly enter false information on an insurance premium finance agreement, or who shall fail to observe the rules and regulations made by the Commissioner pursuant to this Article, shall be deemed guilty of a Class 1 misdemeanor. (1963, c. 1118; 1965, c. 1040; 1985, c. 666, s. 20; 1993, c. 539, s. 464; 1994, Ex. Sess., c. 24, s. 14(c).)
NC Gen Stat § 58-35-95 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-95 - Disposition of fees.

 58-35-95. Disposition of fees.All fees collected hereunder shall be credited to the account of the Commissioner for the specific purpose of providing the personnel, equipment and supplies necessary to enforce this Article, but the Director of the Budget shall have the right to budget the revenues received in accordance with the requirements of the Commissioner for the purposes herein required, and at the end of the fiscal year, if any sum whatever shall remain to the credit of the Commissioner, derived from the sources herein referred to, the same shall revert to the general treasury of the State to be appropriated as other funds. (1963, c. 1118; 1991, c. 720, s. 5.)
NC Gen Stat § 58-35-100 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 35 - Insurance Premium Financing.|§ 58-35-100 - Fees are nonrefundable.

 58-35-100. Fees are nonrefundable.All fees that are imposed and collected under this Article are nonrefundable. (1993 (Reg. Sess., 1994), c. 678, s. 20.)
NC Gen Stat § 58-36-2 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-2 - Private passenger motor vehicles; number of nonfleet policies.

 58-36-2. Private passenger motor vehicles; number of nonfleet policies.Notwithstanding the definition of "nonfleet" in G.S. 58-40-10(2), the Bureau shall adopt rules, subject to the Commissioner's approval, that specify the circumstances under which more than four private passenger motor vehicles may be covered under a nonfleet private passenger motor vehicle policy that is subject to this Article. (1995 (Reg. Sess., 1996), c. 730, s. 2.)
NC Gen Stat § 58-36-3 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-3 - Limitation of scope; motorcycle and moped endorsements allowed; Department of Insurance report.

 58-36-3. Limitation of scope; motorcycle and moped endorsements allowed; Department of Insurance report.(a) The Bureau has no jurisdiction over:(1) Excess workers' compensation insurance for employers qualifying as self-insurers as provided in Article 47 of this Chapter or Article 5 of Chapter 97 of the General Statutes.(2) Farm buildings, farm dwellings, and their appurtenant structures; farm personal property or other coverages written in connection with farm real or personal property.(3) Travel or camper trailers designed to be pulled by private passenger motor vehicles, unless insured under policies covering nonfleet private passenger motor vehicles.(4) Mechanical breakdown insurance covering nonfleet private passenger motor vehicles and other incidental coverages written in connection with this insurance, including emergency road service assistance, trip interruption reimbursement, rental car reimbursement, and tire coverage.(5) Residential real and personal property insured in multiple line insurance policies covering business activities as the primary insurable interest; and marine, general liability, burglary and theft, glass, and animal collision insurance, except when such coverages are written as an integral part of a multiple line insurance policy for which there is an indivisible premium.(6) Insurance against theft of or physical damage to motorcycles, as defined in G.S. 20-4.01(27)h.(7) Personal excess liability or personal "umbrella" insurance.(8) Insurance against theft of or physical damage to mopeds, as defined in G.S. 20-4.01(27)j.(b) Member companies writing motorcycle or moped liability insurance under this Article and writing insurance against theft of or physical damage to motorcycles or mopeds under Article 40 of this Chapter may incorporate motorcycle or moped theft and physical damage coverage as an endorsement to the liability policy issued under this Article.(c) Repealed by Session Laws 2015-92, s. 3, effective June 19, 2015.  (2001-389, ss. 3, 5.1; 2015-92, s. 3; 2015-125, s. 4; 2016-90, s. 12.6(a); 2017-102, s. 5.2(b).)
NC Gen Stat § 58-36-16 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-16 - Bureau to share information with Department of Labor and North Carolina Industrial Commission.

 58-36-16. Bureau to share information with Department of Labor and North Carolina Industrial Commission.The Bureau shall provide to the Department of Labor and the North Carolina Industrial Commission information from the Bureau's records indicating each employer's experience rate modifier established for the purpose of setting premium rates for workers' compensation insurance and the name and business address of each employer whose workers' compensation coverage is provided through the assigned-risk pool pursuant to G.S. 58-36-1. Information provided to the Department of Labor and the North Carolina Industrial Commission with respect to experience rate modifiers shall include the name of the employer and the employer's most current intrastate or interstate experience rate modifier. The information provided to the Department and the Commission under this section shall be confidential and not open for public inspection. The Bureau shall be immune from civil liability for releasing information pursuant to this section, even if the information is erroneous, provided the Bureau acted in good faith and without malicious or wilful intent to harm in releasing the information.  (1991 (Reg. Sess., 1992), c. 894, s. 4; 2012-135, s. 1(a).)
NC Gen Stat § 58-36-17 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-17 - Bureau to share information with the North Carolina Industrial Commission.

 58-36-17. Bureau to share information with the North Carolina Industrial Commission.The Bureau shall provide to the North Carolina Industrial Commission information contained in the Bureau's records indicating the status of workers' compensation insurance coverage on North Carolina employers as reported to the Bureau by the Bureau's member companies. The North Carolina Industrial Commission shall take such steps, including obtaining software or software licenses, as are necessary to be able to receive and process such information from the Bureau. The records provided to the North Carolina Industrial Commission under this section shall be confidential and shall not be public records as that term is defined in G.S. 132-1. Notwithstanding the previous sentence, the North Carolina Industrial Commission may release data showing workers' compensation insurance policy information that includes only employer name and address, carrier name, address, and telephone number; policy number; policy effective dates; policy cancellation dates; and policy reinstatement dates. This data shall not be confidential data and shall be a public record as that term is defined in G.S. 132-1. The North Carolina Industrial Commission shall use the information provided pursuant to this section only to carry out its statutory duties and obligations under The North Carolina Workers' Compensation Act. The Bureau shall be immune from civil liability for releasing information pursuant to this section, even if the information is erroneous, provided the Bureau acted in good faith and without malicious or willful intent to harm in releasing the information.  (2012-135, s. 1(b); 2012-194, s. 65.5; 2013-20, s. 1.)
NC Gen Stat § 58-36-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-20 - Disapproval; hearing, order; adjustment of premium, review of filing.

 58-36-20. Disapproval; hearing, order; adjustment of premium, review of filing.(a) At any time within 50 days after the date of any filing, the Commissioner may give written notice to the Bureau specifying in what respect and to what extent the Commissioner contends the filing fails to comply with the requirements of this Article and fixing a date for hearing not less than 30 days from the date of mailing of such notice. Once begun, hearings must proceed without undue delay. At the hearing the burden of proving that the proposed rates are not excessive, inadequate, or unfairly discriminatory is on the Bureau. At the hearing the factors specified in G.S. 58-36-10 shall be considered. If the Commissioner after hearing finds that the filing does not comply with the provisions of this Article, he may issue his order determining wherein and to what extent such filing is deemed to be improper and fixing a date thereafter, within a reasonable time, after which the filing shall no longer be effective. In the event the Commissioner finds that the proposed rates are excessive, the Commissioner shall specify the overall rates, between the existing rates and the rates proposed by the Bureau filing, that may be used by the members of the Bureau instead of the rates proposed by the Bureau filing. In any such order, the Commissioner shall make findings of fact based on the evidence presented in the filing and at the hearing. Any order issued after a hearing shall be issued within 45 days after the completion of the hearing. If no order is issued within 45 days after the completion of the hearing, the filing shall be deemed to be approved.(b) In the event that no notice of hearing shall be issued within 50 days from the date of any such filing, the filing shall be deemed to be approved. If the Commissioner disapproves such filing pursuant to subsection (a) as not being in compliance with G.S. 58-36-10, he may order an adjustment of the premium to be made with the policyholder either by collection of an additional premium or by refund, if the amount exceeds five dollars ($5.00). The Commissioner may thereafter review any filing in the manner provided; but if so reviewed, no adjustment of any premium on any policy then in force may be ordered.(c) For workers' compensation insurance and employers' liability insurance written in connection therewith, the period between the date of any filing and the date the Commissioner may give written notice as described in subsection (a) of this section and the period between the date of any filing and the deadline for giving notice of hearing as described in subsection (b) of this section shall be 60 days.  (1977, c. 828, s. 6; 1979, c. 824, s. 3; 1985, c. 666, s. 2; 1993, c. 409, s. 12; 2002-187, s. 4.2; 2009-472, s. 4; 2012-162, s. 2.)
NC Gen Stat § 58-36-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-25 - Appeal of Commissioner's order.

 58-36-25. Appeal of Commissioner's order.(a) Any order or decision of the Commissioner shall be subject to judicial review as provided in Article 2 of this Chapter.(b) Whenever a Bureau rate is held to be unfairly discriminatory or excessive and no longer effective by order of the Commissioner issued under G.S. 58-36-20, the members of the Bureau, in accordance with rules and regulations established and adopted by the governing committee, shall have the option to continue to use such rate for the interim period pending judicial review of such order, provided each such member shall place in escrow account the purportedly unfairly discriminatory or excessive portion of the premium collected during such interim period. Upon a final determination by the Court, or upon a consent agreement or consent order between the Bureau and the Commissioner, the Commissioner shall order the escrowed funds to be distributed appropriately. If refunds are to be made to policyholders, the Commissioner shall order that the members of the Bureau refund the difference between the total premium per policy using the rate levels finally determined and the total premium per policy collected during the interim period pending judicial review, except that refund amounts that are five dollars ($5.00) or less per policy shall not be required. The court may also require that purportedly excess premiums resulting from an adjustment of premiums ordered pursuant to G.S. 58-36-20(b) be placed in such escrow account pending judicial review. If refunds made to policyholders are ordered under this subsection, the amounts refunded shall bear interest at the rate determined under this subsection. That rate, to be computed by the Bureau, shall be the average of the prime rates on the effective date of the filing and each anniversary of that date occurring prior to the date of the Commissioner's order requiring refunds, with the prime rate on each of the dates being the average of the prime rates of the four largest banking institutions domiciled in this State as of that date, plus three percent (3%). (1977, c. 828, s. 6; 1979, c. 824, s. 4; 1985 (Reg. Sess., 1986), c. 1027, ss. 3.1, 4; 1995, c. 517, s. 19.)
NC Gen Stat § 58-36-35 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-35 - Appeal to Commissioner from decision of Bureau.

 58-36-35. Appeal to Commissioner from decision of Bureau.(a) Any member of the Bureau may appeal to the Commissioner from any decision of the Bureau, except for a decision made under G.S. 58-36-1(2). After a hearing held on not fewer than 10 days' written notice to the appellant and to the Bureau, the Commissioner shall issue an order approving the decision or directing the Bureau to reconsider the decision. If the Commissioner directs the Bureau to reconsider the decision and the Bureau fails to take action satisfactory to the Commissioner, the Commissioner shall make such order as the Commissioner may see fit.(b) No later than 20 days before the hearing, the appellant shall file with the Commissioner or the Commissioner's designated hearing officer and shall serve on the appellee a written statement of his case and any evidence the appellant intends to offer at the hearing. No later than five days before such hearing, the appellee shall file with the Commissioner or the Commissioner's designated hearing officer and shall serve on the appellant a written statement of the appellee's case and any evidence the appellee intends to offer at the hearing. Each such hearing shall be recorded and transcribed. The cost of the recording and transcribing shall be borne equally by the appellant and appellee; provided that upon any final adjudication the prevailing party shall be reimbursed for his share of such costs by the other party. Each party shall, on a date determined by the Commissioner or the Commissioner's designated hearing officer, but not sooner than 15 days after delivery of the completed transcript to the party, submit to the Commissioner or the Commissioner's designated hearing officer and serve on the other party, a proposed order. The Commissioner or the Commissioner's designated hearing officer shall then issue an order. (1977, c. 828, s. 6; 1989, c. 485, s. 28; 1989 (Reg. Sess., 1990), c. 1069, s. 16; 2001-232, s. 3.)
NC Gen Stat § 58-36-40 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-40 - Existing rates, rating systems, territories, classifications and policy forms.

 58-36-40. Existing rates, rating systems, territories, classifications and policy forms.Rates, rating systems, territories, classifications and policy forms lawfully in use on September 1, 1977, may continue to be used thereafter, notwithstanding any provision of this Article. (1977, c. 828, s. 6.)
NC Gen Stat § 58-36-41 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-41 - Development of policy endorsement for exclusive use of original equipment manufactured crash parts.

 58-36-41. Development of policy endorsement for exclusive use of original equipment manufactured crash parts.The Rate Bureau shall develop an optional policy endorsement to be filed with the Commissioner for approval that permits policyholders to elect nonfleet private passenger motor vehicle physical damage coverage specifying the exclusive use of original equipment manufactured crash parts. (2003-395, s. 3.)
NC Gen Stat § 58-36-42 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-42 - Development of policy form or endorsement for residential property insurance that does not include coverage for perils of windstorm or hail.

 58-36-42. Development of policy form or endorsement for residential property insurance that does not include coverage for perils of windstorm or hail.With respect to residential property insurance under its jurisdiction, the Bureau shall develop an optional policy form or endorsement to be filed with the Commissioner for approval that provides residential property insurance coverage in the coastal and beach areas defined in G.S. 58-45-5(2) and (2b) without coverage for the perils of windstorm or hail. Insurers that sell such policies shall comply with the provisions of G.S. 58-44-60 and through such compliance shall be deemed to have given notice to all insured and persons claiming benefits under such policies that such policies do not include coverage for the perils of windstorm or hail.  (2012-162, s. 4; 2013-199, s. 8.)