reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2319 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2319. Appeal by insureds as to filings

 §2319. Appeal by insureds as to filings 1.  Application to the superintendent.  Any insured aggrieved with respect to any filing, rate, expense or premium level that is in effect may make a written application to the superintendent for a hearing. The application must specify the grounds to be relied upon by the applicant in asserting that the filing, rate, expense or premium level is unjust or unreasonable.   A.   [PL 1991, c. 885, Pt. B, §8 (RP); PL 1991, c. 885, Pt. B, §13 (AFF).]B.   [PL 1991, c. 885, Pt. B, §8 (RP); PL 1991, c. 885, Pt. B, §13 (AFF).][PL 1991, c. 885, Pt. B, §8 (RPR); PL 1991, c. 885, Pt. B, §13 (AFF).] 2.  Responsive filing and hearing.  If the superintendent finds that the application is made in good faith, that the applicant would be so aggrieved if the applicant's grounds were established and that such grounds otherwise justify holding a hearing, the superintendent shall, by written order, require that the insurer, advisory organization or rating organization prepare within 30 days a responsive filing containing information necessary, in the judgment of the superintendent, to review the application. A public hearing may be conducted and, if conducted, must be at least 30 days from the date the responsive filing is determined complete by the superintendent.   A.   [PL 1991, c. 885, Pt. B, §8 (RP); PL 1991, c. 885, Pt. B, §13 (AFF).]B.   [PL 1991, c. 885, Pt. B, §8 (RP); PL 1991, c. 885, Pt. B, §13 (AFF).]C.   [PL 1991, c. 885, Pt. B, §8 (RP); PL 1991, c. 885, Pt. B, §13 (AFF).][PL 1991, c. 885, Pt. B, §8 (RPR); PL 1991, c. 885, Pt. B, §13 (AFF).] 3.  If, after such a hearing, the superintendent finds that the filing, rate, expense or premium level does not meet the requirements of this chapter, the superintendent shall issue a final order specifying in what respects the superintendent finds that the filing fails to meet the requirements of this chapter, or is unjust and unreasonable, and stating when, within a reasonable period thereafter, the filing, rate, expense or premium level shall be changed, replaced or determined no longer effective. Copies of the order shall be sent to the applicant and to every insurer and rating or advisory organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.   [PL 1989, c. 467, §1 (AMD); PL 1989, c. 797, §20 (AMD); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1989, c. 467, §1 (AMD). PL 1989, c. 797, §§20,37,38 (AMD). PL 1991, c. 885, §B8 (AMD). PL 1991, c. 885, §B13 (AFF).
24-A ME Rev Stat § 2320-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2320-A. Competition and availability of insurance (REPEALED)

 §2320-A. Competition and availability of insurance (REPEALED)SECTION HISTORY PL 1989, c. 356, §1 (NEW). PL 1989, c. 878, §A67 (AMD). PL 1991, c. 885, §B9 (RP). PL 1991, c. 885, §B13 (AFF).
24-A ME Rev Stat § 2321 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321. Advisory organizations (REPEALED)

 §2321. Advisory organizations (REPEALED)SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1969, c. 177, §§37,38 (AMD). PL 1973, c. 585, §12 (AMD). PL 1989, c. 797, §§22,37,38 (RP).
24-A ME Rev Stat § 2321-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321-A. Licensing advisory organizations

 §2321-A. Licensing advisory organizations 1.  No advisory organization may provide any service relating to the rates of any insurance subject to this chapter, and no insurer may utilize the services of that organization for those purposes unless the organization has obtained a license under subsection 3, paragraph C.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 2.  No advisory organization may refuse to supply any services for which it is licensed in this State to any insurer authorized to do business in this State and offering to pay the fair and usual compensation for the services.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 3.  The licensing of advisory organizations is governed by the following.   A. An advisory organization's application for a license must include:   (1) A copy of its constitution, charter, articles of organization, agreement, association or incorporation, and a copy of its bylaws, plan of operation and any other rules or regulations governing the conduct of its business;   (2) A list of its members and subscribers;   (3) The name and address of one or more residents of this State upon whom notices, process affecting it, or orders of the superintendent may be served;   (4) A statement showing its technical qualifications for acting in the capacity for which it seeks a license;   (5) A biography of the ownership and management of the organization; and   (6) Any other relevant information and documents that the superintendent may require.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]B. Every organization which has applied for a license must notify the superintendent of every material change in the facts or in the documents on which its application was based. Any amendment to a document filed under this section must be filed at least 30 days before it becomes effective.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]C. If the superintendent finds that the applicant and the natural persons through whom it acts are competent, trustworthy and technically qualified to provide the services proposed, and that all requirements of the law are met, the superintendent shall issue a license specifying the authorized activity of the applicant. The superintendent may not issue a license if the proposed activity would tend to create a monopoly or to lessen substantially the competition in any market.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]D. The superintendent may at any time, after hearing, revoke or suspend the license of an advisory organization that does not comply with the requirements and standards of this section.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).][PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1989, c. 797, §§23,37,38 (NEW).
24-A ME Rev Stat § 2321-B (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321-B. Insurers and advisory organizations; prohibited activity

 §2321-B. Insurers and advisory organizations; prohibited activity 1.  No insurer or advisory organization may:   A. Attempt to monopolize, or combine or conspire with any other person to monopolize an insurance market; or   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]B. Engage in a boycott, on a concerted basis, of an insurance market.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).][PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 2.  No insurer may agree with any other insurer or with an advisory organization to mandate adherence to or to mandate use of any rate, rating plan, rating schedule, rating rule, policy or bond form, rate classification, rate territory, underwriting rule, survey, inspection or similar material, except as needed to develop statistical plans permitted by section 2323.   A. The fact that 2 or more insurers, whether or not members or subscribers of an advisory organization, use consistently or intermittently the same rates, rating plans, rating schedules, rating rules, policy or bond forms, rate classifications, rate territories, underwriting rules, surveys or inspections or similar materials is not sufficient in itself to support a finding that an agreement exists.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]B. Two or more insurers having a common ownership or operating in this State under common management or control may act in concert between or among themselves with respect to any matters pertaining to those activities authorized in this chapter as if they constituted a single insurer.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).][PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 3.  No insurer or advisory organization may make any arrangement with any other insurer, advisory organization, or other person that has the purpose or effect of restraining trade unreasonably or of substantially lessening competition in the business of insurance.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1989, c. 797, §§23,37,38 (NEW).
24-A ME Rev Stat § 2321-C (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321-C. Advisory organizations; prohibited activity

 §2321-C. Advisory organizations; prohibited activity In addition to the other prohibitions described in section 2321‑B, except as specifically permitted under section 2321‑D, no advisory organization may compile or distribute recommendations relating to rates that include profit or expenses other than loss adjustment expenses.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]SECTION HISTORY PL 1989, c. 797, §§23,37,38 (NEW).
24-A ME Rev Stat § 2321-D (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321-D. Advisory organizations; permitted activity

 §2321-D. Advisory organizations; permitted activity An advisory organization, in addition to other activities not prohibited, is authorized on behalf of its members and subscribers to:   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]1.  Develop statistical plans including territorial and class definitions;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 2.  Collect statistical data from members, subscribers or any other source;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 3.  Prepare and distribute prospective loss costs;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 4.  Prepare and distribute factors, calculations or formulas pertaining to classification, territory, increased limits and other variables;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 5.  Prepare and distribute manuals of rating rules and rating schedules that do not include final rates, expense provisions, profit provisions or minimum premiums;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 6.  Distribute information that is required or directed to be filed with the superintendent;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 7.  Conduct research and on-site inspections in order to prepare classifications of public fire defenses;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 8.  Consult with public officials regarding public fire protection as it would affect members, subscribers and others;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 9.  Conduct research and collect statistics in order to discover, identify and classify information relating to causes or prevention of losses;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 10.  Prepare policy forms and endorsements and consult with members, subscribers and others relative to their use and application;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 11.  Conduct research and on-site inspections for the purpose of providing risk information relating to individual structures;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 12.  Collect, compile and distribute past and current prices of individual insurers, and publish such information;   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 13.  File final rates, at the direction of the superintendent, for residual market mechanisms; and   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] 14.  Furnish any other services, as approved or directed by the superintendent, related to those enumerated in this section.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1989, c. 797, §§23,37,38 (NEW).
24-A ME Rev Stat § 2321-E (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2321-E. Filing of prospective loss costs and supplemental information

 §2321-E. Filing of prospective loss costs and supplemental information Advisory organizations may develop and file with the superintendent for approval prospective loss costs and supplementary rating information. Such filings shall contain the statistical data and supporting information for calculations or assumptions underlying the prospective loss costs. Advisory organization filings are subject to the provisions of sections 2303, 2304-A and 2304-B.   [PL 1989, c. 797, §23 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]SECTION HISTORY PL 1989, c. 797, §§23,37,38 (NEW).
24-A ME Rev Stat § 2322 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2322. Joint underwriters; joint reinsurers (REPEALED)

 §2322. Joint underwriters; joint reinsurers (REPEALED)SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1989, c. 797, §§24,37,38 (RP).
24-A ME Rev Stat § 2322-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2322-A. Joint underwriting, joint reinsurance pool and residual market activities

 §2322-A. Joint underwriting, joint reinsurance pool and residual market activities 1.  Notwithstanding section 2321‑B, subsection 2 and consistent with sections 2325, 2325-A, 2325-B and 2366, insurers, rating organizations and advisory organizations participating in joint underwriting, joint reinsurance pools or residual market mechanisms may, in connection with such activity, act in cooperation with each other in the making of rates, rating systems, policy forms, underwriting rules, surveys, inspections and investigations, the furnishing of loss and expense statistics or other information, or conducting research. Joint underwriting, joint reinsurance pools and residual market mechanisms are not considered to be advisory organizations.   [PL 2003, c. 671, Pt. B, §1 (AMD).] 2.  Insurers, joint underwriters, joint reinsurance pools and residual market activities are regulated as follows.   A. Except to the extent modified by this section, insurers, joint underwriting, joint insurance pool and residual market mechanism activities are subject to the other provisions of chapters 23 and 25.   [PL 1989, c. 797, §25 (NEW); PL 1989, c. 797, §§37, 38 (AFF).]B. If, after hearing, the superintendent finds that any activity or practice of an insurer participating in joint underwriting or a pool is unfair, is unreasonable, will tend to lessen competition in any market or is otherwise inconsistent with the provisions or purposes of this chapter, the superintendent may issue a written order and require the discontinuance of such activity or practice.   [PL 1989, c. 797, §25 (NEW); PL 1989, c. 797, §§37, 38 (AFF).][PL 1989, c. 797, §25 (NEW); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1989, c. 797, §§25,37,38 (NEW). PL 2003, c. 671, §B1 (AMD).
24-A ME Rev Stat § 2324 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2324. Interchange of rating plan data; consultation; cooperative action in rate-making

 §2324. Interchange of rating plan data; consultation; cooperative action in rate-making 1.  Acting in accordance with the procedures set forth in the Maine Administrative Procedure Act, Title 5, chapter 375, subchapter II, the superintendent may promulgate reasonable rules and plans for the interchange of data necessary for the application of rating plans.   [PL 1977, c. 694, §419 (RPR).] 2.  In order to further uniform administration of rate regulatory laws, the superintendent and every insurer, advisory organization and rating organization may to the extent consistent with this chapter exchange information and experience data with insurance supervisory officials, insurers and rating organizations in other states and may consult with them with respect to rate making and the application of rating systems.   [PL 1989, c. 797, §28 (AMD); PL 1989, c. 797, §§37, 38 (AFF).] 3.  Cooperation among rating organizations, advisory organizations and insurers in activities related to rate making or in other matters within the scope of this chapter is authorized, but the filings resulting from such cooperation are subject to all provisions of this chapter which are applicable to filings generally. The superintendent may review such cooperative activities and practices and if, after a hearing, the superintendent finds that any such activity or practice is unfair or unreasonable or otherwise inconsistent with this chapter, the superintendent may issue a written order specifying in what respects such activity or practice is unfair or unreasonable or otherwise inconsistent with this chapter, and requiring the discontinuance of such activity or practice.   [PL 1989, c. 797, §28 (AMD); PL 1989, c. 797, §§37, 38 (AFF).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 694, §419 (AMD). PL 1989, c. 797, §§28,37,38 (AMD).
24-A ME Rev Stat § 2325-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2325-A. Market assistance plans

 §2325-A. Market assistance plans 1.  Establishment.  Whenever a particular type of insurance is unavailable or unaffordable, the superintendent may establish a market assistance plan.   [PL 1987, c. 627 (NEW).] 2.  Definition.  For purposes of this section a "market assistance plan" is a voluntary agreement between the Bureau of Insurance and insurers that the insurers will write insurance at an agreed upon rate for those persons or groups that are unable to obtain coverage.   [PL 1987, c. 627 (NEW).] 3.  Notification.  Whenever the superintendent determines that a market assistance plan is needed, the superintendent shall notify all insurers authorized to write the type of insurance covered by the plan that a market assistance plan is being established and their participation in the plan is requested.   [PL 1987, c. 627 (NEW).] 4.  Participation.  Each insurer receiving a notice referred to in subsection 3, shall respond within 30 days to the notice. Their response shall indicate the extent to which they are willing to participate and any reasons why they do not wish to participate or only wish to participate on a limited basis.   [PL 1987, c. 627 (NEW).] 5.  Report.  The superintendent shall report to the joint standing committee of the Legislature having jurisdiction over insurance by January 30th of each year whether there is, or may be, within the year a lack of availability in any line of insurance.   [PL 1987, c. 627 (NEW).] SECTION HISTORY PL 1987, c. 627 (NEW).
24-A ME Rev Stat § 2326 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2326. False or misleading information

 §2326. False or misleading information 1.  No person or organization shall wilfully withhold information from, or knowingly give false or misleading information to:   A. The superintendent;   [PL 1973, c. 585, §12 (AMD).]B. Any statistical agency designated by the superintendent; or   [PL 1973, c. 585, §12 (AMD).]C. Any rating or advisory organization, or any insurer which will affect the rates or premiums chargeable under this chapter.   [PL 1989, c. 797, §31 (AMD); PL 1989, c. 797, §§37, 38 (AFF).][PL 1989, c. 797, §31 (AMD); PL 1989, c. 797, §§37, 38 (AFF).] 2.  A violation of this section shall subject the one guilty of such violation to the penalties provided in section 2329.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1989, c. 797, §§31,37,38 (AMD).
24-A ME Rev Stat § 2327 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2327. Fleet rates

 §2327. Fleet rates 1.  Two or more insurers, who, by virtue of their business associations in the United States, represent themselves to be or are customarily known as a "group" or similar insurance trade designation, may make the same filings or use the same rates for each such insurer, subject to the provisions of section 2303; and nothing contained in this chapter shall be construed to prohibit an agreement to make the same filings or use the same rates and concerted action in connection with such filings or rates by such insurers. This section shall not apply to 2 or more insurers who are not under the same common executive or general management or control and who act in concert in underwriting groups or pools.   [PL 1969, c. 132, §1 (NEW).] 2.  This section shall not be deemed to prohibit or restrict any agreement or action otherwise lawful under section 2322 (joint underwriters; joint reinsurers).   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2328 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 25: RATES AND RATING ORGANIZATIONS|Subchapter 1: GENERAL PROVISIONS|24-A §2328. Examinations

 §2328. Examinations The superintendent shall examine the affairs, transactions, accounts and records of each rating organization licensed in this State as provided in section 2310, of each advisory organization licensed in this State as provided in section 2321‑A, and of joint underwriters and joint reinsurers as defined in section 2322‑A, as often as the superintendent deems advisable, but not less frequently than once every 5 years. The examination must be conducted in the same manner and is subject to the same applicable provisions as apply to examination of insurers in chapter 3. The reasonable costs of any such examination must be paid by the organization or association so examined. In lieu of any such examination, the superintendent may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of such state.   [PL 1991, c. 885, Pt. B, §10 (AMD); PL 1991, c. 885, Pt. B, §13 (AFF).]If the examination of a rating organization is satisfied by acceptance of another state's report on that rating organization, the superintendent shall submit a report to the joint standing committee of the Legislature having jurisdiction over banking and insurance concerning the superintendent's analysis of that report, any deficiencies noted by the superintendent or in the other state's report and what action has been taken to correct those deficiencies.   [PL 1989, c. 356, §2 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1989, c. 356, §2 (AMD). PL 1991, c. 885, §B10 (AMD). PL 1991, c. 885, §B13 (AFF).