reglab/housing_qa huggingface dataset:
RI Gen L § 27-29.1-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-9 - Severability.

§ 27-29.1-9. Severability.If any provision of §§ 27-29.1-1 — 27-29.1-8, or the application of those sections to any person or circumstances is held invalid, the invalidity shall not affect other provisions or applications of §§ 27-29.1-1 — 27-29.1-8 which can be given effect without the invalid provision or application; to this end the provisions of §§ 27-29.1-1 — 27-29.1-8 are declared to be severable.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-10 - Costs of enforcement.

§ 27-29.1-10. Costs of enforcement.The total cost of the enforcement of §§ 27-29.1-3 and 27-29.1-8 shall be borne by the pharmacy benefits manager(s) and/or the insurer(s) against whom the complaint is made on an equal basis and shall include the following expenses:(1) One hundred fifty percent (150%) of the total salaries and benefits paid to the personnel of the department of business regulation engaged in the enforcement less any salary reimbursement;(2) All reasonable technology costs related to the enforcement process. Technology costs shall include the actual cost of software and hardware utilized in the enforcement process and the cost of training personnel in the proper use of the software or hardware;(3) All necessary and reasonable education and training costs incurred by the state to maintain the proficiency and competence of the enforcing personnel. All these costs shall be incurred in accordance with the appropriate state of Rhode Island regulations, guidelines and procedures.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-11 - Evaluation report.

§ 27-29.1-11. Evaluation report.The health insurance commissioner, pursuant to § 42-14.5-1, shall evaluate the impact of nonrestricted pharmacy networks on health insurance costs in Rhode Island and shall submit report of findings to the joint legislative committee on health care oversight on or before May 1, 2005.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.2-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.2 - Freedom of Choice for Orthotic or Prosthetic Services|Section 27-29.2-1 - Legislative Findings - Freedom of choice.

§ 27-29.2-1. Legislative Findings — Freedom of choice.The general assembly hereby finds that all patients who are in need of an orthosis or prosthesis in the state of Rhode Island shall have the freedom of choice to select any orthotist or prosthetist licensed by the state to practice orthotics or prosthetics.History of Section.P.L. 2006, ch. 200, § 1; P.L. 2006, ch. 205, § 1.
RI Gen L § 27-29.2-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.2 - Freedom of Choice for Orthotic or Prosthetic Services|Section 27-29.2-3 - Exclusion.

§ 27-29.2-3. Exclusion.This chapter shall not apply to the policies and procedures of the Veterans' Affairs Medical Center of Rhode Island or Veterans' Affairs Medical Center Prosthetics and Orthotics Clinics.History of Section.P.L. 2006, ch. 200, § 1; P.L. 2006, ch. 205, § 1.
RI Gen L § 27-29.2-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.2 - Freedom of Choice for Orthotic or Prosthetic Services|Section 27-29.2-4 - Application.

§ 27-29.2-4. Application.This chapter shall apply to every individual or group health insurance contract, plan or policy delivered, issued for delivery or renewed in this state on or after July 1, 2007, which provides medical coverage that includes coverage for physician services in a physician's office and every policy which provides major medical or similar comprehensive-type coverage; provided, however, this chapter shall not apply to insurance coverage providing benefits for: (1) hospital confinement indemnity; (2) disability income; (3) accident only; (4) long-term care; (5) Medicare supplement; (6) limited benefit health; (7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both; and (9) other limited benefit policies.History of Section.P.L. 2006, ch. 200, § 1; P.L. 2006, ch. 205, § 1.
RI Gen L § 27-30-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-1 - Purpose.

§ 27-30-1. Purpose.The purpose of this chapter is to promote the public welfare by regulating consumer credit insurance. Nothing in this chapter is intended to prohibit or discourage reasonable competition. The provisions of this chapter shall be liberally construed.History of Section.P.L. 1959, ch. 91, § 1; P.L. 2009, ch. 292, § 2; P.L. 2009, ch. 293, § 2.
RI Gen L § 27-30-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-3 - Types of consumer credit insurance.

§ 27-30-3. Types of consumer credit insurance.The types of consumer credit insurance defined in § 27-30-2 may each be written separately or in combination with other types of consumer credit insurance on an individual policy or group policy basis. The commissioner may by regulation prohibit or limit any combination.History of Section.P.L. 1959, ch. 91, § 3; P.L. 1972, ch. 148, § 2; P.L. 2009, ch. 292, § 2; P.L. 2009, ch. 293, § 2.
RI Gen L § 27-30-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-8 - Premiums and refunds.

§ 27-30-8. Premiums and refunds.(a) An insurer may revise its schedules of premium rates from time to time, and shall file the revised schedules with the commissioner. No insurer shall issue any consumer credit insurance policy for which the premium rate exceeds that determined by the schedules of the insurer as then on file with the commissioner. The commissioner shall have the authority to promulgate regulations to assure that the premium rates are reasonable in relation to the benefits provided, including the authority to regulate the compensation component of the premium rates. In determining whether the premium rates are reasonable in relation to the benefits provided, the Commissioner shall consider and provide for: actual and expected loss experience, general and administrative expenses, loss settlement and adjustment expenses, reasonable creditor compensation, investment income, the manner in which premiums are charged, and other acquisition costs, reserves, taxes, regulatory license fees and fund assessments, reasonable insurer profit and other relevant data, consistent with generally accepted actuarial standards.(b) Each individual policy or group certificate shall provide for a refund in the event of termination of the insurance prior to the scheduled maturity date of the insurance and upon notice to the insurer from the debtor with the debtor's contact information. The refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto; provided, however, that the commissioner shall prescribe a minimum refund and no refund which would be less than such minimum need be made. Refund formulas which any insurer desires to use must develop refunds which are at least as favorable to the debtor as refunds equal to the premium cost of scheduled benefits subsequent to the date of cancellation or termination, computed at the schedule of premium rates in effect on the date of issue. The formula to be used in computing such refund shall be filed with and approved by the commissioner.(c) If a creditor requires a debtor to make any payment for consumer credit insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to the debtor and shall promptly make an appropriate credit to the account or issue a refund.(d) The amount charged to debtor for any consumer credit insurance shall not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined.History of Section.P.L. 1959, ch. 91, § 8; P.L. 2009, ch. 292, § 3; P.L. 2009, ch. 293, § 3.
RI Gen L § 27-30-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-9 - Issuance of policies.

§ 27-30-9. Issuance of policies.All policies of consumer credit insurance shall be delivered or issued for delivery in this state only by an insurer authorized to engage in the business of insurance thereto, and shall be issued only through holders of licenses or authorizations issued by the commissioner.History of Section.P.L. 1959, ch. 91, § 9; P.L. 2009, ch. 292, § 3; P.L. 2009, ch. 293, § 3.
RI Gen L § 27-30-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-10 - Claims.

§ 27-30-10. Claims.(a) All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.(b) All claims shall be paid either by draft drawn upon the insurer, by electronic funds transfer, or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of the claimant to one specified.(c) No plan or arrangement shall be used by which any person, firm, or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; provided, that a group policyholder may, by arrangement with the group insurer, draw drafts, checks or electronic transfers in payment of claims due to the group policyholder subject to audit and review by the insurer.(d) All claims for consumer credit insurance shall be subject to all applicable chapters of titles 27 and 42 including chapter 9.1 of title 27.History of Section.P.L. 1959, ch. 91, § 10; P.L. 2009, ch. 292, § 3; P.L. 2009, ch. 293, § 3.
RI Gen L § 27-30-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-11 - Existing insurance - Choice of insurer.

§ 27-30-11. Existing insurance — Choice of insurer.When consumer credit insurance is required as additional security for any indebtedness the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.History of Section.P.L. 1959, ch. 91, § 11; P.L. 2009, ch. 292, § 3; P.L. 2009, ch. 293, § 3; P.L. 2010, ch. 239, § 3.
RI Gen L § 27-30-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-12 - Enforcement.

§ 27-30-12. Enforcement.The commissioner may, after notice and hearing, issue rules and regulations as the commissioner deems appropriate for the supervision of this chapter. Whenever the commissioner finds that there has been a violation of this chapter or any rules or regulations issued pursuant to it, after written notice of the violation and hearing given to the insurer or other person authorized or licensed by the commissioner, he or she shall set forth the details of the findings together with an order for compliance by a specified date. The order shall be binding on the insurer and other persons authorized or licensed by the commissioner on the specified date unless sooner withdrawn by the commissioner or a stay from the order has been ordered by a court of competent jurisdiction. The commissioner may set forth by regulation prima facie reasonable premium rates, together with corresponding safe-harbor benefit provisions, which premium rates shall be conclusively presumed reasonable in relation to the benefits provided when used for policies containing such benefit provisions.History of Section.P.L. 1959, ch. 91, § 12; P.L. 2009, ch. 292, § 4; P.L. 2009, ch. 293, § 4.
RI Gen L § 27-30-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-13 - Judicial review.

§ 27-30-13. Judicial review.Any party to the proceeding affected by any order of the commissioner shall be entitled to judicial review pursuant to chapter 35 of title 42.History of Section.P.L. 1959, ch. 91, § 13; P.L. 2009, ch. 292, § 4; P.L. 2009, ch. 293, § 4.
RI Gen L § 27-30-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-14 - Penalties.

§ 27-30-14. Penalties.The commissioner, in his or her discretion, may revoke or suspend the license or certificate of authority or proscribe whatever additional penalty is warranted pursuant to § 42-14-16 for any violation of this chapter. The order for penalties shall provide for notice and hearing, and shall be subject to judicial review as provided in § 42-35-15.History of Section.P.L. 1959, ch. 91, § 14; P.L. 2009, ch. 292, § 4; P.L. 2009, ch. 293, § 4.
RI Gen L § 27-30-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-15 - Severability.

§ 27-30-15. Severability.If any provision of this chapter, or the application of the provision to any person or circumstances, shall be held invalid, the remainder of the chapter, and the application of the provision to any person or circumstances other than those as to which it is held invalid, shall not be affected by that invalidity.History of Section.P.L. 1959, ch. 91, § 15.
RI Gen L § 27-30-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-16 - Duties of an insurer.

§ 27-30-16. Duties of an insurer.Except as otherwise prohibited by law, duties imposed upon an insurer within this chapter may be carried out by a creditor if the creditor is acting as a common law or statutory agent on behalf of the insurer.History of Section.P.L. 1959, ch. 91, § 16; P.L. 2009, ch. 292, § 4; P.L. 2009, ch. 293, § 4.
RI Gen L § 27-30-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-30 - Consumer Credit Insurance|Section 27-30-17 - Repealed.

§ 27-30-17. Repealed.
RI Gen L § 27-31-1 - 27-31-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-31 - Credit Accident and Health Insurance|Section 27-31-1 - 27-31-18 - Repealed.

§ 27-31-1 — 27-31-18. Repealed.
RI Gen L § 27-32-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-1 - Separate accounts authorized.

§ 27-32-1. Separate accounts authorized.(a) Any domestic life insurance company may establish one or more separate accounts, and may allocate to the account or accounts any amounts paid to it which are to be applied under the terms of an individual or group contract or agreement to provide annuity or life insurance benefits, or under the terms of a funding agreement, which contract or agreement or funding agreement may also provide other benefits incidental thereto, payable in fixed or in variable dollar amounts or in both.(b) Notwithstanding any other provision of law, any domestic life insurance company which establishes one or more separate accounts as provided in this section may provide to the holders of interests in any separate account voting rights with respect to the management of the separate account and the investment of assets in it, may establish for the separate account a committee, board, or other body, the members of which: (1) may be elected solely by holders having voting rights, and (2) may or may not be affiliated with the life insurance company, and may provide for compliance with any applicable state and federal law in order that contracts assigned to separate accounts may be lawfully sold or offered for sale. If and to the extent provided in the applicable agreement, the assets in a separate account shall not be chargeable with liabilities arising out of any other business of the company.History of Section.P.L. 1966, ch. 161, § 1; P.L. 1968, ch. 253, § 2; P.L. 1975, ch. 84, § 2; P.L. 2001, ch. 247, § 3; P.L. 2001, ch. 367, § 3.
RI Gen L § 27-32-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-2 - Investments of accounts.

§ 27-32-2. Investments of accounts.The amounts allocated to each account and accumulations on the account may be invested and reinvested in any class of investments that may be authorized in the agreement without regard to any requirements or limitations prescribed by the laws of this state governing the investments of life insurance companies.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-3 - Gains or losses allocated to each account.

§ 27-32-3. Gains or losses allocated to each account.The income, if any, and gains and losses, realized or unrealized on each account shall be credited to or charged against the amounts allocated to the account in accordance with the agreement, without regard to other income, gains, or losses of the company.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-4 - Valuation of accounts.

§ 27-32-4. Valuation of accounts.Assets allocated to a separate account shall be valued at their market value on the date of valuation, or if there is no readily available market, then in accordance with the terms of the applicable written agreement; provided, that the portion of the assets of a separate account at least equal to the company's reserve liability with regard to guaranteed benefits and funds, if any, shall be valued in accordance with the rules applicable to the company's assets.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-5 - Benefits on variable basis.

§ 27-32-5. Benefits on variable basis.If the agreement provides for the payment of benefits in variable amounts, it shall contain a statement of the essential features of the procedure to be followed by the company in determining the dollar amount of the variable benefits. Any agreement and any certificate issued under it shall state that the dollar amount may decrease or increase and shall contain on its first page a statement that the benefits under it are on a variable basis.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-6 - Prerequisites to delivery of contract - Qualification of company.

§ 27-32-6. Prerequisites to delivery of contract — Qualification of company.No domestic life insurance company, and no other life insurance company admitted to transact business in this state, shall be authorized to deliver within this state any agreement providing benefits in variable amounts until the company has satisfied the insurance commissioner that its condition or methods of operation in connection with the issuance of those agreements will not render its operation hazardous to the public or its policyholders in this state. In determining the qualification of a company requesting authority to deliver the contracts within this state, the insurance commissioner shall consider, among other things:(1) The history and financial condition of the company;(2) The character, responsibility, and general fitness of the officers and directors of the company; and(3) In the case of a company other than a domestic company, whether the regulation provided by the jurisdiction of its incorporation provides a degree of protection to policyholders and the public which is substantially equal to that provided by this chapter and the rules and regulations issued pursuant to this chapter.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-7 - Regulation of issuance and sale of agreements - Rules and regulations.

§ 27-32-7. Regulation of issuance and sale of agreements — Rules and regulations.Notwithstanding any other provisions of law, the insurance commissioner shall have sole authority to regulate the issuance and sale of the agreements and to issue reasonable rules and regulations necessary to carry out the purposes and provisions of this chapter. Provided, the insurance commissioner shall license any person selling annuities.History of Section.P.L. 1966, ch. 161, § 1; P.L. 1996, ch. 354, § 1.
RI Gen L § 27-32-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-8 - Application of insurance laws to separate accounts.

§ 27-32-8. Application of insurance laws to separate accounts.Except as otherwise provided in this chapter, all pertinent provisions of the insurance laws of this state shall apply to separate accounts and agreements relating to them.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-32-8.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-8.1 - Individual variable life insurance.

§ 27-32-8.1. Individual variable life insurance.Any individual variable life insurance contract delivered or issued for delivery in this state shall contain nonforfeiture provisions appropriate to this type of contract as approved by the director of business regulation.History of Section.P.L. 1977, ch. 75, § 1; P.L. 2002, ch. 292, § 60.
RI Gen L § 27-32-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-32 - Pension, Profit Sharing or Annuity Plans|Section 27-32-9 - Severability.

§ 27-32-9. Severability.If any provision of this chapter or application of it to any person or circumstance is held invalid, this invalidity shall not affect other provisions or applications of the chapter, which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are declared severable.History of Section.P.L. 1966, ch. 161, § 1.
RI Gen L § 27-33-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-33 - Federal Riot Reinsurance Reimbursement Fund|Section 27-33-1 - Purposes.

§ 27-33-1. Purposes.The purposes of this chapter are: (1) to make basic property insurance available to qualified applicants who have been unable to secure the insurance in the normal market, and (2) to create a fund to discharge the obligations of the state to the secretary of the Department of Housing and Urban Development, referred to in this chapter as "the secretary", under 12 U.S.C. § 1749bbb-9, referred to in this chapter as "the Act," as and when those obligations shall occur, in order that insurers writing property insurance in this state may not for lack of a fund be rendered ineligible for reinsurance as provided under the Act.History of Section.P.L. 1969, ch. 211, § 1.