reglab/housing_qa huggingface dataset:
RI Gen L § 27-53.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-53.1 - Assumption Reinsurance|Section 27-53.1-5 - Policyholder rights.

§ 27-53.1-5. Policyholder rights.(a) Policyholders shall have the right to reject the transfer and novation of their contracts of insurance. Policyholders electing to reject the assumption transaction shall return to the transferring insurer the pre-addressed, postage-paid response card or other written notice and indicate on it that the assumption is rejected (collectively referred to as the "Response Card").(b) Payment of any premium to the assuming company during the twenty-four (24) month period after notice is received shall be deemed to indicate the policyholder's acceptance of the transfer to the assuming insurer and a novation shall be deemed to have been effected, provided that the premium notice clearly states that payment of the premium to the assuming insurer shall constitute acceptance of the transfer. The premium notice shall also provide a method for the policyholder to pay the premium while reserving the right to reject the transfer. With respect to any home service business or any other business not using premium notices, the disclosures and procedural requirements of this subsection are to be set forth in the notice of transfer required by § 27-53.1-4 and in the assumption certificate.(c) After no fewer than twenty-four (24) months from the mailing of the initial notice of transfer required under § 27-53.1-4(a), if positive consent to, or rejection of, the transfer and assumption has not been received or consent has not been deemed to have occurred under subsection (b), the transferring company shall send to the policyholder a second and final notice of transfer as specified in § 27-53.1-4(a). If the policyholder does not accept or reject the transfer during the one month period immediately following the date on which the transferring insurer mails the second and final notice of transfer, the policyholder's consent will be deemed to have occurred and novation of the contract will be effected. With respect to the home service business, or any other business not using premium notices, the twenty-four (24) and one month periods shall be measured from the date of delivery of the notice of transfer pursuant to § 27-53.1-4(a)(1).(d) The transferring insurer will be deemed to have received the response card on the date it is postmarked. A policyholder may also send its response card by facsimile or other electronic transmission or by registered mail, express delivery or courier service, in which case the response card shall be deemed to have been received by the assuming insurer on the date of actual receipt by the transferring insurer.History of Section.P.L. 1996, ch. 188, § 21.
RI Gen L § 27-53.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-53.1 - Assumption Reinsurance|Section 27-53.1-6 - Effect of consent.

§ 27-53.1-6. Effect of consent.If a policyholder consents to the transfer pursuant to § 27-53.1-5, or if the transfer is effected under § 27-53.1-7, there shall be a novation of the contract of insurance subject to the assumption reinsurance agreement with the result that the transferring insurer shall be relieved of all insurance obligations and/or risks transferred under the assumption reinsurance agreement, and the assuming insurer shall become directly and solely liable to the policyholder for those insurance obligations and/or risks.History of Section.P.L. 1996, ch. 188, § 21.
RI Gen L § 27-53.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-53.1 - Assumption Reinsurance|Section 27-53.1-7 - Commissioner's discretion.

§ 27-53.1-7. Commissioner's discretion.If an insurer domiciled in this state or in a jurisdiction having a substantially similar law is deemed by the domiciliary commissioner to be in hazardous financial condition or an administrative proceeding has been instituted against it for the purpose of reorganizing or conserving the insurer, and the transfer of the obligations and/or risks on contracts of insurance issued to or owned by residents of this state is in their best interest as determined by the Rhode Island commissioner, a transfer and novation may be effected notwithstanding the provisions of this chapter. This may include a form of implied consent and adequate notification to the policyholder of the circumstances requiring the transfer as approved by the commissioner.History of Section.P.L. 1996, ch. 188, § 21.
RI Gen L § 27-54-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-1 - Crimes by or affecting persons engaged in the business of insurance.

§ 27-54-1. Crimes by or affecting persons engaged in the business of insurance.(a) Any person who knowingly and with intent to deceive the director of business regulation (referred to in this section as "director") about the financial condition of an insurance company, makes any false statement, representation or report to the director concerning an insurance company; or who knowingly and with intent to deceive the director about the financial condition of the company testifies or affirms falsely under oath or affirmation to any material fact relative to an insurance company in any matter which would materially affect the financial condition of the company; or who knowingly and with intent to deceive the director about the financial condition of the company makes any false entry or memorandum upon any book, paper, report or statement of any insurance company; or, who, knowingly and with intent to deceive the director or his or her designee or any agent appointed to examine the affairs of an insurance company, or knowingly and with intent to deceive, defraud or injure the stockholders, policyholders or any officer or director of an insurance company about the financial condition of the company makes a statement, representation or report to the director or the director's designee which the individual knows materially overvalues any asset, property or security of an insurance company; or who knowingly and with intent to deceive the director about the financial condition of the company fails to disclose material information, and any person who, with like intent, aids or abets another in any violation of any provision of this section, shall upon conviction, be fined not exceeding fifty thousand dollars ($50,000) or imprisoned not exceeding twenty (20) years, or both.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-2 - Civil penalties.

§ 27-54-2. Civil penalties.In addition to the criminal penalties set forth in § 27-54-1, the attorney general or the director or his or her designee may bring a civil action against any person who engages in conduct constituting an offense under this chapter and, upon proof of that conduct by a preponderance of the evidence, the person shall be subject, for each violation, to a civil penalty not exceeding fifty thousand dollars ($50,000) or the amount of damages caused by that conduct, whichever is greater. If the insurance company is placed in conservation, rehabilitation, or liquidation, the conservator or receiver shall also be entitled to bring a civil action, and the penalty shall be paid to the conservator or receiver for the benefit of the policyholders, claimants, and creditors of the insurer. The imposition of a civil penalty under this subsection does not preclude any other criminal or civil statutory, common law, or administrative remedy, which is available by law to the state of Rhode Island or any other person.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-3 - Investigations.

§ 27-54-3. Investigations.(a) Pursuant to chapter 13.1 of this title, the director or the director's designee may conduct investigations as he or she deems necessary in order to ascertain whether any person has violated or is violating any provision of this chapter.(b) Whenever the director or the director's designee has reason to believe that a provision of this chapter has been violated, he or she may report the violation of law to the attorney general who may bring an action in the court of appropriate jurisdiction. Within one hundred twenty (120) days of receipt of the director's report, the attorney general shall inform the director or the director's designee as to the status of the reported violations. Where the affected insurer has become the subject of a court order for conservation, rehabilitation or liquidation, the director or the director's designee may also refer the matter to the receiver for action under § 27-54-2.History of Section.P.L. 1994, ch. 86, § 1; P.L. 2002, ch. 292, § 93; P.L. 2009, ch. 310, § 9.
RI Gen L § 27-54-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-4 - Duty to notify.

§ 27-54-4. Duty to notify.(a) Whenever an officer or director of an insurance company knows that a material false statement or representation has been made to the director or the director's designee, or that false testimony has been given, or that a material false entry has been made in the books of the insurance company, or that the assets, property or securities of an insurance company have been materially overvalued, or that material information has been withheld from the director or the director's designee, in violation of § 27-54-1 of this chapter, he or she shall notify the director or the director's designee of those matters as soon as reasonably possible but in no event later than ten (10) days after the officer or director knows or has reasons to know of those matters. Failure to report as such will subject the violator to a fine of up to one thousand dollars ($1000) and imprisonment of up to one year, or both.(b) The director or the director's designee shall review each report and undertake any further investigations he or she deems necessary and proper to determine the validity of the allegations.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-5 - Disqualification of officer and directors.

§ 27-54-5. Disqualification of officer and directors.No person may serve as a director, officer or senior management official of an insurance company who has been convicted of a felony involving fraud, dishonesty, or a breach of trust.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-6 - Injunctions.

§ 27-54-6. Injunctions.If the attorney general or the director or his or her designee has reason to believe that a person is engaged in conduct prohibited by this chapter, he or she may petition an appropriate court for an order prohibiting that person from further engaging in that conduct. The filing of a petition under this section does not preclude any other remedy that is available by law.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-7 - Whistleblower protections.

§ 27-54-7. Whistleblower protections.(a) Prohibition against discrimination. No person subject to the provisions of this chapter may discharge, demote, threaten or otherwise discriminate against any person or employee with respect to compensation, terms, conditions, or privileges of employment as a reprisal because the person or employee (or any person acting pursuant to the request of the employee) provided or attempted to provide information to the director or his or her designee regarding possible violation of this chapter.(b) Enforcement. Any person or employee or former employee subject to the provisions of this chapter who believes that he or she has been discharged or discriminated against in violation of subsection (a) of this section may file a civil action within three (3) years of the date of the discharge or discrimination.(c) Remedies. If the court determines that a violation has occurred, the court may order the person who committed the violation to:(1) Reinstate the employee to the employee's former position;(2) Pay compensatory damages, costs of litigation and attorneys' fees; and/or(3) Take other appropriate actions to remedy any past discrimination.(d) Limitation. The protections of this section shall not apply to any person or employee who:(1) Deliberately causes or participates in the alleged violation of law or regulation; or(2) Knowingly or recklessly provides substantially false information to the director or his or her designee.History of Section.P.L. 1994, ch. 86, § 1.
RI Gen L § 27-54-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-8 - Disclosure of arson conviction.

§ 27-54-8. Disclosure of arson conviction.(a) Every insurance provider doing business within this state shall require applicants for property insurance, real or personal, to disclose whether or not the applicant or applicants have been convicted of any degree of the crime of arson as described in chapter 4 of title 11 within ten (10) years of the application date.(b) An insurance provider may use the existence of an arson conviction within ten (10) years as a reason to deny coverage.(c) Failure to disclose the existence of an arson conviction when requested upon an insurance application shall be a misdemeanor punishable by a sentence of not more than one year imprisonment.(d) The insurance application form shall indicate the existence of a criminal penalty for failure to disclose a conviction for arson.(e) For the purpose of this section, "applicant" means a natural person, trust, partnership, association, corporation or other form of business organization; provided, that if the applicant is a trust, the beneficiaries of the trust shall be included, and if the applicant is a partnership, association, corporation or other form of business organization, each member, director, shareholder owning more than twenty percent (20%) of the common stock issued by the corporation, and the principal officer of the corporation shall be included.(f) The provisions of this section do not apply to any policy with respect to highly protected risks. A "highly protected risk" means a fire resistive building that meets the highest standards of fire safety according to insurance company underwriting requirements.History of Section.P.L. 1995, ch. 63, § 2; P.L. 1997, ch. 226, § 1; G.L. 1956, § 27-54-11; P.L. 2005, ch. 175, § 3; P.L. 2005, ch. 410, § 13.
RI Gen L § 27-54-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-9 - Other law enforcement authority, powers and duties not affected or impaired.

§ 27-54-9. Other law enforcement authority, powers and duties not affected or impaired.This chapter shall not:(1) Preempt the authority or relieve the duty of other law enforcement agencies to investigate and prosecute suspected violations of the law.(2) Limit any of the powers granted elsewhere in this title or other laws granting authority to the director or his or her designee to investigate possible violations of this chapter and take appropriate action against wrongdoers.History of Section.P.L. 1994, ch. 86, § 1; G.L. 1956, § 27-54-8.
RI Gen L § 27-54-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-10 - Limitation on actions.

§ 27-54-10. Limitation on actions.The statute of limitations for offenses under this chapter shall be ten (10) years.History of Section.P.L. 1994, ch. 86, § 1; G.L. 1956, § 27-54-9.
RI Gen L § 27-54-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54 - Insurance Fraud Prevention Act|Section 27-54-11 - Severability.

§ 27-54-11. Severability.If any provision of this chapter or the application of this chapter to any person or circumstances is held invalid or unconstitutional, the invalidity or unconstitutionality shall not affect other provisions or applications of this chapter which can be given effect without the invalid or unconstitutional provision or application, and to this end, the provisions of this chapter are declared to be severable.History of Section.P.L. 1994, ch. 86, § 1; G.L. 1956, § 27-54-10.
RI Gen L § 27-54.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54.1 - Anti-Fraud Act|Section 27-54.1-2 - Fraudulent insurance acts, interference and participation of convicted felons prohibited.

§ 27-54.1-2. Fraudulent insurance acts, interference and participation of convicted felons prohibited.(a) A person shall not commit a fraudulent insurance act.(b) A person shall not knowingly or intentionally interfere with the enforcement of the provisions of this chapter or investigations of suspected or actual violations of this chapter.(c) (1) A person convicted of a felony involving dishonesty or breach of trust shall not participate in the business of insurance without the written consent of the commissioner.(2) A person in the business of insurance shall not knowingly or intentionally permit a person convicted of a felony involving dishonesty or breach of trust to participate in the business of insurance without the written consent of the commissioner.History of Section.P.L. 2010, ch. 54, § 1; P.L. 2010, ch. 71, § 1.
RI Gen L § 27-54.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54.1 - Anti-Fraud Act|Section 27-54.1-3 - Fraud warning required.

§ 27-54.1-3. Fraud warning required.(a) Notwithstanding any similar requirements in title 28, every claim form and application for insurance, regardless of the form of transmission, shall contain the following statement or a substantially similar statement:"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison."(b) The lack of a statement as required in subsection (a) of this section does not constitute a defense in any prosecution for a fraudulent insurance act.(c) The requirements of this section shall not apply to reinsurance claims forms or reinsurance applications.(d) The requirements of this section shall not apply to any claim form for health insurance which is on a form promulgated by the centers for Medicare and Medicaid services or in electronic format pursuant to 45 C.F.R. Part 162.History of Section.P.L. 2010, ch. 54, § 1; P.L. 2010, ch. 71, § 1.
RI Gen L § 27-54.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54.1 - Anti-Fraud Act|Section 27-54.1-4 - Other law enforcement or regulatory authority.

§ 27-54.1-4. Other law enforcement or regulatory authority.This chapter shall not:(1) Preempt the authority or relieve the duty of other law enforcement or regulatory agencies to investigate, examine and prosecute suspected violations of law;(2) Prevent or prohibit a person from disclosing voluntarily information concerning insurance fraud to a law enforcement or regulatory agency; or(3) Limit the powers granted elsewhere by the laws of this state to investigate and examine possible violations of law and to take appropriate action against wrongdoers.History of Section.P.L. 2010, ch. 54, § 1; P.L. 2010, ch. 71, § 1.
RI Gen L § 27-54.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54.1 - Anti-Fraud Act|Section 27-54.1-5 - Insurer antifraud initiatives.

§ 27-54.1-5. Insurer antifraud initiatives.(a) Insurers shall have antifraud initiatives reasonably calculated to detect, report, prosecute and prevent fraudulent insurance acts, antifraud initiatives may include:(1) Fraud investigators, who may be insurer employees or independent contractors; or(2) An antifraud plan.(b) A person engaged in the business of insurance having knowledge or a reasonable belief that a fraudulent insurance act is being, will be or has been committed shall provide such information to the governmental unit responsible for investigation of such act, or if no such unit exists to the commissioner.History of Section.P.L. 2010, ch. 54, § 1; P.L. 2010, ch. 71, § 1.
RI Gen L § 27-54.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-54.1 - Anti-Fraud Act|Section 27-54.1-6 - Penalties.

§ 27-54.1-6. Penalties.A person who violates this chapter is subject to suspension or revocation of license or certificate of authority or administrative penalties per § 42-14-16 or both. Suspension or revocation of license or certificate of authority and imposition of administrative penalties shall be pursuant to an order of the commissioner issued under § 42-35-9 and/or 42-35-12. The commissioner's order may require a person found to be in violation of this chapter to make restitution to persons aggrieved by violations of this chapter.History of Section.P.L. 2010, ch. 54, § 1; P.L. 2010, ch. 71, § 1.
RI Gen L § 27-55-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-55 - Off-label Uses of Prescription Drugs|Section 27-55-1 - Definitions.

§ 27-55-1. Definitions.For the purpose of this chapter, the following words and terms have the following meanings:(1) "Drug" or "drugs" means any substance prescribed by a licensed healthcare provider acting within the scope of the provider's license and that is intended for use in the diagnosis, mitigation, treatment or prevention of disease that is taken by mouth, injected into a muscle, the skin, a blood vessel or cavity of the body; applied to the skin; or otherwise assimilated by the body. The term includes only those substances that are approved by the FDA for at least one indication;(2) "FDA" means the Federal Food and Drug Administration;(3) "Health insurer" means all persons, firms, corporations, or other organizations offering and assuring health services on a prepaid or primarily expense-incurred basis including, but not limited to, policies of accident or sickness insurance, as defined in chapter 18 of this title, nonprofit hospital or medical service plans, whether organized under chapter 19 or 20 of this title or under any public law or by special act of the general assembly, health maintenance organizations, and any other entity which insures or reimburses for diagnostic, therapeutic, or preventive services to a determined population on the basis of a periodic premium;(4) "Medical literature" means published scientific studies published in at least two (2) articles from major peer-reviewed medical journals that present data supporting the proposed off-label use, or uses, as generally safe and effective unless there is clear and convincing contradictory evidence presented in a major peer reviewed medical journal;(5) "Peer-reviewed medical journals" means a published study in a journal or other publication in which original manuscripts have been critically reviewed for scientific accuracy, validity, and reliability by unbiased independent experts, and that has been determined by the International Committee of Medical Journal Editors to have met its Uniform Requirements for Manuscripts Submitted to Biomedical Journals. It does not include publications or supplements to publications that are sponsored to a significant extent by a pharmaceutical manufacturing company or any health insurer, healthcare center, hospital service corporation, medical service corporation, or fraternal benefit society that delivers, issues for delivery, renews, amends, or continues a health insurance policy in this state;(6) "Standard reference compendia" means: (i) The United States Pharmacopoeia drug information, (ii) The American Medical Association drug evaluations, or (iii) The American Hospital Formulary Service drug information.History of Section.P.L. 1994, ch. 339, § 1; P.L. 2016, ch. 95, § 1; P.L. 2016, ch. 105, § 1.