reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2162 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance

 §2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance 1.  No property, casualty or surety insurer or any employee or representative thereof, and no broker, agent or solicitor as to such insurance shall pay, allow or give, or offer to pay, allow or give, directly or indirectly, as an inducement to insurance, or after insurance has been effected, any rebate, discount, abatement, credit or reduction of the premium named in a policy of insurance, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement whatever, not specified or provided for in the policy, except to the extent provided for in an applicable filing with the superintendent as provided by law.   A. Unless otherwise provided by law, a provision may not be included within an insurance policy if the sole intent of the provision is to give to the insured a benefit that is not associated with indemnification or loss.   [PL 1997, c. 457, §39 (NEW).]B. Notwithstanding any other provision of law, the superintendent may approve filings allowing reductions in premium associated with savings in issuance and administrative expenses except that, if a filing affecting surety bonds for construction projects financed in whole or in part with public funds allows for any reduction in premium to be given, paid, allowed or offered after execution of the bond, including, without limitation, any rebate, discount, consideration or inducement of any kind, the filing must ensure that the entire amount of the reduction will be paid directly to the governmental department or agency administering the public funds for the project. In the case of a project financed only in part with public funds, the governmental department or agency may be paid a percentage of the reduction equal to the percentage of the project that is financed with public funds.   [PL 1997, c. 457, §39 (NEW).][PL 1997, c. 457, §39 (AMD).] 2.  No such insurer shall make or permit any unfair discrimination between insureds or property having like insuring or risk characteristics in the premium or rates charged for insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the insurance.   [PL 1969, c. 132, §1 (NEW).] 3.  Nothing in this section shall be construed as prohibiting the payment of commissions or other compensation to duly licensed agents, brokers or solicitors, or as prohibiting any insurer from allowing or returning to its participating policyholders, members or subscribers, dividends, savings or unabsorbed premium deposits. As used in this section the word "insurance" includes suretyship and the word "policy" includes bond. This section does not apply as to wet marine and transportation insurance.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1997, c. 457, §39 (AMD).
24-A ME Rev Stat § 2162-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2162-A. Payment of dividend conditioned upon renewal; unfair trade practice

 §2162-A. Payment of dividend conditioned upon renewal; unfair trade practice It is an unfair trade practice to make the payment of a policy dividend or any portion of a dividend conditioned upon renewal of the policy or contracts. This section does not apply to the first year dividend on life insurance policies.   [PL 1985, c. 548 (NEW).]SECTION HISTORY PL 1985, c. 548 (NEW).
24-A ME Rev Stat § 2163 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2163. Receipt of rebate, illegal inducement prohibited

 §2163. Receipt of rebate, illegal inducement prohibited 1.  Limitations.  No person may knowingly receive or accept, directly or indirectly:   A. Any rebate of premium or part of a premium;   [PL 1997, c. 457, §40 (NEW).]B. Any producer's commission on a premium or part of a premium payable on any policy of insurance or annuity contract;   [PL 1997, c. 457, §40 (NEW).]C. Any special favor or advantage in the dividend or other benefits to accrue; or   [PL 1997, c. 457, §40 (NEW).]D. Anything of value as inducement to any policy of insurance or annuity contract or in connection with any policy of insurance or annuity contract that is not specified, promised or provided for in the policy or contract, except as otherwise provided by law.   [PL 1997, c. 457, §40 (NEW).][PL 1997, c. 457, §40 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1997, c. 457, §40 (RPR).
24-A ME Rev Stat § 2163-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2163-A. Permitted activities

 §2163-A. Permitted activities 1.  Permissible gifts and prizes.  Notwithstanding any other provision in sections 2160 to 2163, an insurer, an employee of an insurer or a producer may offer to give gifts in connection with marketing for the sale or retention of contracts of insurance, as long as the cost does not exceed $100 per year per person, and conduct raffles or drawings, as long as there is no participation cost to entrants and as long as the prizes are not valued in excess of $500. Nothing in sections 2160 to 2163 may be construed to prohibit an insurance producer from receiving a fee rather than commission on the sale of property and casualty insurance in accordance with section 1450 and rules adopted by the superintendent.   Gifts and prizes given pursuant to this section may not be in the form of cash.   [PL 2017, c. 84, §1 (NEW).] 2.  Permissible value-added service or activity.  An insurer, an employee of an insurer or a producer may offer to provide a value-added service or activity, offered or provided without fee or at a reduced fee, that is related to the coverage provided by an insurance contract if the provision of the value-added service or activity does not violate any other applicable statute or rule and is:   A. Clearly identified and included within the insurance contract; or   [PL 2017, c. 84, §1 (NEW).]B. Directly related to the servicing of the insurance contract or offered or undertaken to provide risk control for the benefit of a client.   [PL 2017, c. 84, §1 (NEW).][PL 2017, c. 84, §1 (NEW).] 3.  Services for free or for less than fair market value.  This section does not prohibit a person from offering or providing services, whether or not the services are directly related to an insurance contract, for free or for less than fair market value as long as the receipt of the services is not contingent upon the purchase of insurance and the services are offered on the same terms to all potential insurance customers. A person that offers or provides services under this subsection for free or for less than fair market value shall disclose conspicuously in writing to the recipient before the purchase of insurance, receipt of a quote for insurance or designation of an agent of record that receipt of the services is not contingent on the purchase of insurance.   [PL 2017, c. 84, §1 (NEW).] 4.  Rules.  The superintendent may adopt rules as necessary to make reasonable modifications to the standards in this section. Rules adopted pursuant to this subsection are major substantive rules as defined in Title 5, chapter 375, subchapter 2-A.   [PL 2017, c. 84, §1 (NEW).] SECTION HISTORY PL 1997, c. 457, §41 (NEW). PL 1999, c. 8, §1 (AMD). PL 2017, c. 84, §1 (RPR).
24-A ME Rev Stat § 2164 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2164. Stock operations and advisory board contracts

 §2164. Stock operations and advisory board contracts No person shall issue or deliver or permit its agents, officers, or employees to issue or deliver agency company stock or other capital stock, or benefit certificates or shares in any common law corporation, or securities or any special or advisory board contracts or other contracts of any kind promising returns and profits as an inducement to insurance.   [PL 1969, c. 132, §1 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2164-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2164-A. Direct billing, notice

 §2164-A. Direct billing, notice No insurer, domestic or foreign, shall, except upon the written request of the insured, convert or convert upon renewal any contract of property or casualty insurance, excluding accident and health insurance and life insurance, to a direct billing basis until it has given 90 days advance written notice thereof to its resident agents.   [PL 1969, c. 548 (NEW).]SECTION HISTORY PL 1969, c. 548 (NEW).
24-A ME Rev Stat § 2164-B (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2164-B. Conflicts of interest in appraisals (REPEALED)

 §2164-B. Conflicts of interest in appraisals (REPEALED)SECTION HISTORY PL 1979, c. 171 (NEW). PL 1979, c. 471 (NEW). PL 1979, c. 663, §143 (RAL). PL 1995, c. 522, §1 (RP).
24-A ME Rev Stat § 2164-C (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2164-C. Free competition

 §2164-C. Free competition 1.  Appraisals or repairs to motor vehicle glass.  A domestic or foreign insurer or its agent or employee may not require, directly or indirectly, that appraisals or repairs to motor vehicle glass be made or not be made in a specified place of business.   A domestic or foreign insurer or its agent or employee may not contract with any person to act as its agent for purposes of managing, handling or arranging repair or replacement of motor vehicle glass when that person is compensated by payment of a portion of the difference between the list price of the product or services provided and the amount paid to the person providing repair and replacement service.   [PL 2005, c. 101, §1 (NEW).] 2.  Appraisals or repairs to motor vehicles for collision damage.  A domestic or foreign insurer or its agent or employee may not require, directly or indirectly, that appraisals or repairs to motor vehicles with collision damage be made or not be made in a specified place of business.   A domestic or foreign insurer or its agent or employee may not contract with any person to act as its agent for purposes of managing, handling or arranging repair or replacement of motor vehicles for collision damage when that person is compensated by payment of a portion of the difference between the list price of the product or services provided and the amount paid to the person providing repair and replacement service.   A domestic or foreign insurer or its agent or employee may not recommend the use of a particular motor vehicle repair service or network of repair services without informing the claimant that the claimant is under no obligation to use the recommended repair service or network of repair services.   [PL 2005, c. 101, §1 (NEW).] SECTION HISTORY PL 1979, c. 663, §143 (RAL). PL 1993, c. 203, §1 (AMD). PL 2005, c. 101, §1 (RPR).
24-A ME Rev Stat § 2164-E (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2164-E. Disclosure of coverage limits to claimant; penalty

 §2164-E. Disclosure of coverage limits to claimant; penalty Upon written request by a claimant or the claimant's attorney, an insurer doing business in this State shall provide the claimant or the claimant's attorney with the liability coverage limits of that insurer's insured. The insurer must provide the liability coverage limits within 60 days of receipt of the written request.   [PL 2009, c. 189, §1 (NEW).]An insurer who fails to comply with this section is subject to a penalty of $500, plus reasonable attorney's fees and expenses incurred in obtaining the liability coverage limits.   [PL 2009, c. 189, §1 (NEW).]SECTION HISTORY PL 2009, c. 189, §1 (NEW).
24-A ME Rev Stat § 2165 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2165. Desist orders for prohibited practices (REPEALED)

 §2165. Desist orders for prohibited practices (REPEALED)SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1983, c. 394, §3 (AMD). PL 1985, c. 648, §§6,7 (AMD). PL 1991, c. 298, §11 (RP).
24-A ME Rev Stat § 2165-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2165-A. Cease and desist orders; actions against defined and undefined unfair and deceptive practices

 §2165-A. Cease and desist orders; actions against defined and undefined unfair and deceptive practices 1.  Emergency cease and desist orders issued pursuant to section 12‑A, subsection 2‑A may not be imposed for violations under this section.   [PL 1991, c. 298, §12 (NEW).] 2.  The superintendent may issue a cease and desist order pursuant to section 12‑A, subsection 2 if, after a hearing, the superintendent finds that any person in this State has engaged or is engaging in any act or practice defined or prohibited under this chapter or rules adopted pursuant to this chapter or that a resident of this State has so engaged or is so engaging in another state.   [PL 1991, c. 298, §12 (NEW).] 3.  The superintendent may issue a cease and desist order pursuant to section 12‑A, subsection 2 if, after a hearing, the superintendent finds that any person in the State has engaged or is engaging, or that a resident of the State has engaged or is engaging in another state, in an unfair or deceptive practice not defined in this chapter or in rules adopted pursuant to this chapter. For any undefined practice, the civil penalties set forth in section 12‑A, subsection 1 may not be imposed for practice engaged in prior to the issuance and service of a valid cease and desist order.   [PL 1991, c. 298, §12 (NEW).] SECTION HISTORY PL 1991, c. 298, §12 (NEW).
24-A ME Rev Stat § 2166 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2166. Procedures as to undefined practices (REPEALED)

 §2166. Procedures as to undefined practices (REPEALED)SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1985, c. 648, §8 (AMD). PL 1991, c. 298, §13 (RP).
24-A ME Rev Stat § 2167 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2167. Service upon unauthorized insurers

 §2167. Service upon unauthorized insurers Provisions of this chapter applicable to insurers apply fully to unauthorized insurers. If an action under this chapter is brought against an unauthorized insurer, section 2105 applies to all process, notices and statements of charges.   [PL 1991, c. 298, §14 (NEW).]1.   [PL 1991, c. 298, §14 (RP).] 2.   [PL 1991, c. 298, §14 (RP).] 3.   [PL 1991, c. 298, §14 (RP).] 4.   [PL 1991, c. 298, §14 (RP).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1991, c. 298, §14 (RPR).
24-A ME Rev Stat § 2167-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2167-A. Notice to domiciliary supervisory official

 §2167-A. Notice to domiciliary supervisory official Whenever the superintendent has reason to believe that a foreign or alien insurer or licensed insurance professional is acting in violation of this chapter or chapter 21, the superintendent shall notify the insurance supervisory official of that person's domiciliary jurisdiction.   [PL 1991, c. 298, §15 (NEW).]SECTION HISTORY PL 1991, c. 298, §15 (NEW).
24-A ME Rev Stat § 2168-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2168-A. Tie-in sales of insurance

 §2168-A. Tie-in sales of insurance 1.  Definition.  As used in this section, "tie-in sales" means the practice of tying the sale of one product to another.   [PL 1991, c. 49 (NEW).] 2.  Prohibited tie-in sales.  In the purchase of insurance, tie-in sales are an unfair trade practice when:   A. The consumer is required to place additional coverage with an insurer not of the consumer's choice in order to obtain a desired coverage; and   [PL 1991, c. 49 (NEW).]B. The consumer's alternative opportunities to purchase the desired coverage are severely limited or nonexistent.   [PL 1991, c. 49 (NEW).][PL 1991, c. 49 (NEW).] 3.  Penalties.  An insurance contract sold in violation of the provisions of this section is voidable at the option of the consumer. Violations of this section are enforceable through section 12‑A.   [PL 1991, c. 49 (NEW).] SECTION HISTORY PL 1991, c. 49 (NEW).
24-A ME Rev Stat § 2168-B (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2168-B. Solicitation or negotiation involving purchasers or borrowers

 §2168-B. Solicitation or negotiation involving purchasers or borrowers A licensed agent or broker affiliated with a lender or creditor may not solicit an application for an insurance contract in connection with the extension of credit or negotiate such a contract from a purchaser or borrower whom the agent or broker knows, or should have known, has applied to receive an extension of credit from that lender or creditor until such time as the creditor or lender has provided by hand or sent written notice to the purchaser or borrower of its action on the application or has documented in writing in the lender's or creditor's records its action on the application. This section does not limit the ability of a lender or creditor to do any of the following:   [PL 1997, c. 315, §25 (NEW).]1.  Marketing activities.  To engage at any time in marketing activities and solicitations for the sale of insurance, including through the mail or by telephone, that are not specifically directed toward purchasers or borrowers who have applied to receive an extension of credit.   [PL 1997, c. 315, §25 (NEW).] This section does not apply to group health and group life insurance to the extent authorized by chapters 31 and 35 when the insured is enrolled in the insurance policy, credit life and credit health insurance to the extent authorized by chapter 37, credit property insurance, credit involuntary unemployment insurance, forced placed property insurance, a vendor's single interest policy or any other insurance product as determined by the superintendent.   [PL 1997, c. 315, §25 (NEW).]"Affiliate" has the same meaning as set forth in section 1443‑A, subsection 1, paragraph A with respect to financial institutions and credit unions and in Title 9‑A, section 4‑403 with respect to supervised lenders.   [PL 1999, c. 127, Pt. A, §40 (AMD).]SECTION HISTORY PL 1997, c. 315, §25 (NEW). PL 1999, c. 127, §A40 (AMD).
24-A ME Rev Stat § 2169-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2169-A. Confidentiality of insurance information obtained by lenders

 §2169-A. Confidentiality of insurance information obtained by lenders 1.  Prohibited use of information.  If a lender or creditor requires a purchaser or borrower to provide insurance information in connection with the extension of credit, an insurance agent or broker affiliated with that lender or creditor may not later use the information obtained to solicit or offer insurance directly to the purchaser or borrower. "Insurance information" means copies of insurance policies, binders, rates and expiration dates not otherwise in the possession of the agent or broker. "Affiliate" has the same meaning as set forth in section 1443‑A, subsection 1, paragraph A with respect to financial institutions and credit unions or in Title 9‑A, section 4‑403 with respect to supervised lenders.   [PL 1999, c. 127, Pt. A, §42 (AMD).] 2.  Use of information with consent.  Notwithstanding subsection 1, an insurance agent or broker affiliated with a lender or creditor may use the insurance information obtained from the purchaser or borrower to solicit or offer insurance to the customer if the customer consents in writing to the use of the information. This consent may not be a condition of the extension of credit to the customer.   [PL 1997, c. 315, §27 (NEW).] 3.  Information permitted under Fair Credit Reporting Act.  Notwithstanding subsection 1, a lender or creditor may exchange insurance information with its affiliates as permitted under the Fair Credit Reporting Act pursuant to Title 10, chapter 209‑B or 15 United States Code, Chapter 41.   [PL 2013, c. 588, Pt. C, §6 (AMD).] SECTION HISTORY PL 1997, c. 315, §27 (NEW). PL 1999, c. 127, §A42 (AMD). PL 2013, c. 588, Pt. C, §6 (AMD).
24-A ME Rev Stat § 2170 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2170. Certain fees for handling insurance transactions in connection with loans prohibited

 §2170. Certain fees for handling insurance transactions in connection with loans prohibited 1.  No person who makes a loan on real or personal property shall in connection with such a transaction make any separate charge to or require any fee from or require the payment of any money for handling insurance papers for an insurer, insurance agency, borrower, mortgagor or purchaser, other than the insurance premium on insurance written as additional security for the loan. This prohibition includes any separate charge or fee or payment of any money for the substitution by a borrower or a mortgagor or a purchaser of one insurance policy on the property for an existing policy on the property when the existing or substituted policy is provided through an insurer or insurance agent or broker licensed to do business in the State.   [PL 1969, c. 132, §1 (NEW).] 2.  This section does not prohibit fees paid to a lender for handling or processing credit accident and health or credit life insurance not exceeding 10% of prima facie premiums as set forth by rules adopted by the superintendent.   [PL 1993, c. 208, §2 (AMD).] 3.  Nothing in this section prevents the payment of the interest which may be charged on premium loans or premium advances in accordance with the security agreement, or the payment of dividends to group policyholders provided that the payment of dividends to group credit life and group credit health policyholders shall be subject to such rules and regulations as shall be promulgated by the superintendent.   [PL 1973, c. 585, §12 (AMD).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1969, c. 177, §34 (AMD). PL 1973, c. 585, §12 (AMD). PL 1993, c. 208, §2 (AMD).
24-A ME Rev Stat § 2171 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 23: TRADE PRACTICES AND FRAUDS|24-A §2171. Using insurance information to detriment of another

 §2171. Using insurance information to detriment of another Whenever the instrument requires that the purchaser, mortgagor or borrower furnish insurance of any kind on real or personal property being conveyed or as collateral security to a loan, the mortgagee or lender shall refrain from selling, transferring or otherwise disclosing or using any and all such insurance information to the mortgagee's or lender's own advantage and to the detriment of either the borrower, purchaser, mortgagor, insurer or company or agency complying with the requirements relating to insurance.   [PL 1989, c. 449 (AMD).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1989, c. 449 (AMD).