reglab/housing_qa huggingface dataset:
NE Code § 44-908 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-908 - Revised privacy notice; when required.

44-908.  Revised privacy notice; when required.(1) Except as otherwise authorized in the Privacy of Insurance Consumer Information Act, a licensee shall not, directly or through an affiliate, disclose any nonpublic personal financial information about a consumer to a nonaffiliated third party other than as described in the initial notice that the licensee provided to that consumer under section 44-904 unless:(a) The licensee has provided to the consumer a clear and conspicuous revised notice that accurately describes its policies and practices;(b) The licensee has provided to the consumer a new opt out notice;(c) The licensee has given the consumer a reasonable opportunity, before the licensee discloses the information to the nonaffiliated third party, to opt out of the disclosure; and(d) The consumer does not opt out.(2) When a licensee is required to deliver a revised privacy notice by this section, the licensee shall deliver it according to section 44-909.Source Laws 2001, LB 52, § 8.
NE Code § 44-910 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-910 - Disclosure of financial information to nonaffiliated third party; when.

44-910.  Disclosure of financial information to nonaffiliated third party; when.(1)(a) Except as otherwise authorized in the Privacy of Insurance Consumer Information Act, a licensee may not, directly or through any affiliate, disclose any nonpublic personal financial information about a consumer to a nonaffiliated third party unless:(i) The licensee has provided to the consumer an initial notice as required under section 44-904;(ii) The licensee has provided to the consumer an opt out notice as required in section 44-907;(iii) The licensee has given the consumer a reasonable opportunity, before it discloses the information to the nonaffiliated third party to opt out of the disclosure; and(iv) The consumer does not opt out.(b) A licensee shall be deemed to provide a consumer with a reasonable opportunity to opt out pursuant to subdivision (1)(a)(iii) of this section if:(i) The licensee mails the notices required in subdivision (1)(a) of this section to the consumer and allows the consumer to opt out by mailing a form, calling a toll-free telephone number, or any other reasonable means within thirty days from the date the licensee mailed the notices;(ii) A customer opens an online account with a licensee and agrees to receive the notices required in subdivision (1)(a) of this section electronically, and the licensee allows the customer to opt out by any reasonable means within thirty days after the date that the customer acknowledges receipt of the notices in conjunction with opening the account; or(iii) For an isolated transaction such as providing the consumer with an insurance quote, a licensee provides the consumer with a reasonable opportunity to opt out if the licensee provides the notices required in subdivision (1)(a) of this section at the time of the transaction and requests that the consumer decide, as a necessary part of the transaction, whether to opt out before completing the transaction.(c) For purposes of this section, opt out means a direction by the consumer that the licensee not disclose nonpublic personal financial information about that consumer to a nonaffiliated third party other than as permitted by sections 44-913 to 44-915.(2) A licensee shall comply with this section, regardless of whether the licensee and the consumer have established a customer relationship. Unless a licensee complies with this section, the licensee may not, directly or through any affiliate, disclose any nonpublic personal financial information about a consumer that the licensee has collected, regardless of whether the licensee collected it before or after receiving the direction to opt out from the consumer.(3) A licensee may allow a consumer to select certain nonpublic personal financial information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.Source Laws 2001, LB 52, § 10.
NE Code § 44-911 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-911 - Redisclosure and reuse of financial information; when.

44-911.  Redisclosure and reuse of financial information; when.(1) If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution under an exception in section 44-914 or 44-915, the licensee's disclosure and use of that information is limited as follows:(a) The licensee may disclose the information to the affiliates of the financial institution from which the licensee received the information;(b) The licensee may disclose the information to its affiliates, but the licensee's affiliates may, in turn, disclose and use the information only to the extent that the licensee may disclose and use the information; and(c) The licensee may disclose and use the information pursuant to an exception in section 44-914 or 44-915 in the ordinary course of business to carry out the activity covered by the exception under which the licensee received the information.(2) If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution other than under an exception in section 44-914 or 44-915, the licensee may disclose the information only:(a) To the affiliates of the financial institution from which the licensee received the information;(b) To its affiliates, but its affiliates may, in turn, disclose the information only to the extent that the licensee may disclose the information; and(c) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which the licensee received the information.(3) If a licensee discloses nonpublic personal financial information to a nonaffiliated third party under an exception in section 44-914 or 44-915, the third party may disclose and use that information only as follows:(a) The third party may disclose the information to the licensee's affiliates;(b) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and(c) The third party may disclose and use the information pursuant to an exception in section 44-914 or 44-915 in the ordinary course of business to carry out the activity covered by the exception under which it received the information.(4) If a licensee discloses nonpublic personal financial information to a nonaffiliated third party other than under an exception in section 44-914 or 44-915, the third party may disclose the information only:(a) To the licensee's affiliates;(b) To the third party's affiliates, but the third party's affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and(c) To any other person, if the disclosure would be lawful if the licensee made it directly to that person.Source Laws 2001, LB 52, § 11.
NE Code § 44-912 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-912 - Policy number; disclosure; when.

44-912.  Policy number; disclosure; when.(1) A licensee shall not, directly or through an affiliate, disclose, other than to a consumer reporting agency, a policy number or similar form of access number or access code for a consumer's policy or transaction account to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.(2) Subsection (1) of this section does not apply if a licensee discloses a policy number or similar form of access number or access code:(a) To the licensee's service provider solely in order to perform marketing for the licensee's own products or services, as long as the service provider is not authorized to directly initiate charges to the account;(b) To a licensee who is a producer solely in order to perform marketing for the licensee's own products or services; or(c) To a participant in an affinity or similar program where the participants in the program are identified to the customer when the customer enters into the program.(3)(a) For purposes of this section, a policy or transaction account is an account other than a deposit account or a credit card account. A policy or transaction account does not include an account to which third parties cannot initiate charges.(b) A policy number, or similar form of access number or access code, does not include a number or code in an encrypted form, if the licensee does not provide the recipient with a means to decode the number or code.Source Laws 2001, LB 52, § 12.
NE Code § 44-913 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-913 - Opt out exception for service providers and joint marketing.

44-913.  Opt out exception for service providers and joint marketing.(1)(a) The opt out requirements in sections 44-907 and 44-910 do not apply when a licensee provides nonpublic personal financial information to a nonaffiliated third party to perform services for the licensee or functions on the licensee's behalf, if the licensee:(i) Provides the initial notice in accordance with section 44-904; and(ii) Enters into a contractual agreement with the third party that prohibits the third party from disclosing or using the information other than to carry out the purposes for which the licensee disclosed the information, including use under an exception in section 44-914 or 44-915 in the ordinary course of business to carry out those purposes.(b) If a licensee discloses nonpublic personal financial information under this section to a financial institution with which the licensee performs joint marketing, the licensee's contractual agreement with that institution meets the requirements of subdivision (1)(a)(ii) of this section if it prohibits the institution from disclosing or using the nonpublic personal financial information except as necessary to carry out the joint marketing or under an exception in section 44-914 or 44-915 in the ordinary course of business to carry out that joint marketing.(2) The services a nonaffiliated third party performs for a licensee under subsection (1) of this section may include marketing of the licensee's own products or services or marketing of financial products or services offered pursuant to joint agreements between the licensee and one or more financial institutions.(3) For purposes of this section, joint agreement means a written contract pursuant to which a licensee and one or more financial institutions jointly offer, endorse, or sponsor a financial product or service.Source Laws 2001, LB 52, § 13.
NE Code § 44-914 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-914 - Notice and opt out exception for processing and servicing transactions.

44-914.  Notice and opt out exception for processing and servicing transactions.(1) The requirements for initial notice in subdivision (1)(b) of section 44-904, the opt out in sections 44-907 and 44-910, and service providers and joint marketing in section 44-913 do not apply if the licensee discloses nonpublic personal financial information as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes, or in connection with:(a) Servicing or processing an insurance product or service that a consumer requests or authorizes;(b) Maintaining or servicing the consumer's account with a licensee, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity;(c) A proposed or actual securitization, secondary market sale, including sales of servicing rights, or similar transaction related to a transaction of the consumer; or(d) Reinsurance or stop-loss or excess-loss insurance.(2) For purposes of this section, necessary to effect, administer, or enforce a transaction means that the disclosure is:(a) Required, or is one of the lawful or appropriate methods, to enforce the licensee's rights or the rights of other persons engaged in carrying out the financial transaction or providing the product or service; or(b) Required, or is an usual, appropriate, or acceptable method:(i) To carry out the transaction or the product or service business of which the transaction is a part, and record, service, or maintain the consumer's account in the ordinary course of providing the insurance product or service;(ii) To administer or service benefits or claims relating to the transaction or the product or service business of which it is a part;(iii) To provide a confirmation, statement, or other record of the transaction, or information on the status or value of the insurance product or service to the consumer or the consumer's agent or broker;(iv) To accrue or recognize incentives or bonuses associated with the transaction that are provided by a licensee or any other party;(v) To underwrite insurance at the consumer's request or for any of the following purposes as they relate to a consumer's insurance: Account administration, reporting, investigating or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits, including utilization review activities, participating in research projects, or as otherwise required or specifically permitted by federal or state law; or(vi) In connection with:(A) The authorization, settlement, billing, processing, clearing, transferring, reconciling, or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means;(B) The transfer of receivables, accounts, or interests therein; or(C) The audit of debit, credit, or other payment information.Source Laws 2001, LB 52, § 14.
NE Code § 44-916 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-916 - Disclosure of health information; authorization required; when.

44-916.  Disclosure of health information; authorization required; when.(1) On and after January 1, 2003, a licensee shall not disclose nonpublic personal health information about a consumer or customer unless an authorization is obtained from the consumer or customer whose nonpublic personal health information is sought to be disclosed.(2) Nothing in this section shall prohibit, restrict, or require an authorization for the disclosure of nonpublic personal health information by a licensee for the performance of the following insurance functions by or on behalf of the licensee: (a) Claims administration; (b) claims adjustment and management; (c) detection, investigation, or reporting of actual or potential fraud, misrepresentation, or criminal activity; (d) underwriting; (e) policy placement or issuance; (f) loss control; (g) ratemaking and guaranty fund functions; (h) reinsurance and excess loss insurance; (i) risk management; (j) case management; (k) disease management; (l) quality assurance; (m) quality improvement; (n) performance evaluation; (o) provider credentialing verification; (p) utilization review; (q) peer review activities; (r) actuarial, scientific, medical, or public policy research; (s) grievance procedures; (t) internal administration of compliance, managerial, and information systems; (u) policyholder service functions; (v) auditing; (w) reporting; (x) database security; (y) administration of consumer disputes and inquiries; (z) external accreditation standards; (aa) the replacement of a group benefit plan or workers' compensation policy or program; (bb) activities in connection with a sale, merger, transfer, or exchange of all or part of a business or operating unit; (cc) any activity that permits disclosure without authorization pursuant to the federal Health Insurance Portability and Accountability Act privacy rules promulgated by the United States Department of Health and Human Services; (dd) disclosure that is required, or is one of the lawful or appropriate methods, to enforce the licensee's rights or the rights of other persons engaged in carrying out a transaction or providing a product or service that a consumer requests or authorizes; (ee) any activity otherwise permitted by law, required pursuant to governmental reporting authority, or to comply with legal process; and (ff) additional insurance functions as may be approved by adoption and promulgation of rules and regulations of the director to the extent they are necessary for appropriate performance of insurance functions and are fair and reasonable to the interest of consumers.Source Laws 2001, LB 52, § 16.
NE Code § 44-917 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-917 - Authorization; requirements.

44-917.  Authorization; requirements.(1) A valid authorization to disclose nonpublic personal health information pursuant to sections 44-916 to 44-920 shall be in written or electronic form and shall contain all of the following:(a) The identity of the consumer or customer who is the subject of the nonpublic personal health information;(b) A general description of the types of nonpublic personal health information to be disclosed;(c) General descriptions of the parties to whom the licensee discloses nonpublic personal health information, the purpose of the disclosure, and how the information will be used;(d) The signature of the consumer or customer who is the subject of the nonpublic personal health information or the individual who is legally empowered to grant authority and the date signed; and(e) Notice of the length of time for which the authorization is valid and that the consumer or customer may revoke the authorization at any time and the procedure for making a revocation.(2) An authorization for the purposes of sections 44-916 to 44-920 shall specify a length of time for which the authorization shall remain valid, which in no event shall be for more than twenty-four months.(3) A consumer or customer who is the subject of nonpublic personal health information may revoke an authorization provided pursuant to sections 44-916 to 44-920 at any time, subject to the rights of an individual who acted in reliance on the authorization prior to notice of the revocation.(4) A licensee shall retain the authorization or a copy thereof in the record of the individual who is the subject of nonpublic personal health information.Source Laws 2001, LB 52, § 17.
NE Code § 44-918 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-918 - Authorization request; delivery requirements.

44-918.  Authorization request; delivery requirements.A request for authorization and an authorization form may be delivered to a consumer or a customer as part of an opt out notice pursuant to section 44-909 if the request and the authorization form are clear and conspicuous. An authorization form is not required to be delivered to the consumer or customer or included in any other notices unless the licensee intends to disclose protected health information pursuant to subsection (1) of section 44-916.Source Laws 2001, LB 52, § 18.
NE Code § 44-919 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-919 - Relationship to federal rules.

44-919.  Relationship to federal rules.Irrespective of whether a licensee is subject to the federal Health Insurance Portability and Accountability Act privacy rule as promulgated by the United States Department of Health and Human Services, if a licensee complies with all requirements of the federal rule except for its effective date provision, the licensee shall not be subject to the provisions of sections 44-916 to 44-920.Source Laws 2001, LB 52, § 19.
NE Code § 44-920 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-920 - Relationship to state laws.

44-920.  Relationship to state laws.Nothing in sections 44-916 to 44-920 shall preempt or supersede existing state law related to medical records or health or insurance information privacy.Source Laws 2001, LB 52, § 20.
NE Code § 44-921 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-921 - Relationship to federal Fair Credit Reporting Act.

44-921.  Relationship to federal Fair Credit Reporting Act.Nothing in the Privacy of Insurance Consumer Information Act shall be construed to modify, limit, or supersede the operation of 15 U.S.C. 1681 et seq., as such section existed on April 5, 2001, and no inference shall be drawn on the basis of the provisions of the act regarding whether information is transaction or experience information under 15 U.S.C. 1681a, as such section existed on April 5, 2001.Source Laws 2001, LB 52, § 21.
NE Code § 44-922 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-922 - Discrimination; prohibited.

44-922.  Discrimination; prohibited.(1) A licensee shall not unfairly discriminate against any consumer or customer because that consumer or customer has opted out from the disclosure of his or her nonpublic personal financial information pursuant to the Privacy of Insurance Consumer Information Act.(2) A licensee shall not unfairly discriminate against a consumer or customer because that consumer or customer has not granted authorization for the disclosure of his or her nonpublic personal health information pursuant to the act.Source Laws 2001, LB 52, § 22.
NE Code § 44-923 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-923 - Unfair trade practice.

44-923.  Unfair trade practice.In addition to any other remedies available under the laws of this state, each violation of the Privacy of Insurance Consumer Information Act and any rules and regulations adopted and promulgated under the act shall be an unfair trade practice in the business of insurance subject to the Unfair Insurance Trade Practices Act.Source Laws 2001, LB 52, § 23. Cross References  Unfair Insurance Trade Practices Act, see section 44-1521.
NE Code § 44-924 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-924 - Rules and regulations.

44-924.  Rules and regulations.(1) The director may adopt and promulgate rules and regulations to carry out the Privacy of Insurance Consumer Information Act.(2) The director may adopt and promulgate rules and regulations to establish standards that licensees must meet in the development and implementation of administrative, technical, and physical safeguards to protect the security, confidentiality, and integrity of consumer and customer information.Source  Laws 2001, LB 52, § 24;  Laws 2003, LB 216, § 6.
NE Code § 44-925 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-925 - Compliance with act; required; when.

44-925.  Compliance with act; required; when.(1) By July 1, 2001, a licensee shall provide an initial notice, as required by section 44-904, to consumers who are the licensee's customers on July 1, 2001, with regard to nonpublic personal financial information.(2) Until July 1, 2002, a contract that a licensee has entered into with a nonaffiliated third party to perform services for the licensee or functions on the licensee's behalf satisfies the provisions of subdivision (1)(a)(ii) of section 44-913, even if the contract does not include a requirement that the third party maintain the confidentiality of nonpublic personal information, as long as the licensee entered into the agreement on or before July 1, 2000.Source Laws 2001, LB 52, § 25.
NE Code § 44-1072 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1072 - Fraternal benefit society.

44-1072.  Fraternal benefit society.Any incorporated society, order, or supreme lodge, without capital stock, including one exempted under subdivision (1)(b) of section 44-10,109 whether incorporated or not, conducted solely for the benefit of its members and their beneficiaries and not for profit, operated on a lodge system with ritualistic form of work, having a representative form of government, and which provides benefits in accordance with sections 44-1072 to 44-10,109, is hereby declared to be a fraternal benefit society.Source  Laws 1985, LB 508, § 1.