reglab/housing_qa huggingface dataset:
WA Rev Code § 48.160.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.020 - Waivers limited to motor vehicle financing—Registration, when required—Application.

RCW 48.160.020 Waivers limited to motor vehicle financing—Registration, when required—Application.(1) This chapter applies only to guaranteed asset protection waivers for financing of motor vehicles as defined in this chapter. Any person or entity must register with the commissioner before marketing, offering for sale or selling a guaranteed asset protection waiver, and before acting as an obligor for a guaranteed asset protection waiver, in this state. However, a retail seller of motor vehicles that assigns more than eighty-five percent of guaranteed asset protection waiver agreements within thirty days of such agreements' effective date, or an insurer authorized to transact such insurance business in this state, are not required to register pursuant to this section. Failure of any retail seller of motor vehicles to assign one hundred percent of guaranteed asset protection waiver agreements within forty-five days of such agreements' effective date will result in that retail seller being required to comply with the registration requirements of this chapter.(2) No person may market, offer for sale, or sell a guaranteed asset protection waiver, or act as an obligor on a guaranteed asset protection waiver in this state without a registration as provided in this chapter, except as set forth in subsection (1) of this section.(3) The application for registration must include the following:(a) The applicant's name, address, and telephone number;(b) The identities of the applicant's executive officers or other officers directly responsible for the waiver business;(c) An application fee of two hundred fifty dollars, which shall be deposited into the guaranteed asset protection waiver account;(d) A copy filed by the applicant with the commissioner of the waivers the applicant intends to offer in this state;(e) A list of all unregistered marketers of guaranteed asset protection waivers on which the applicant will be the obligor;(f) Such additional information as the commissioner may reasonably require.(4) Once registered, the applicant shall keep the information required for registration current by reporting changes within thirty days after the end of the month in which the change occurs.[ 2009 c 334 § 3.]
WA Rev Code § 48.160.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.040 - Insuring waiver obligations—Contractual liability or other insurance policies.

RCW 48.160.040 Insuring waiver obligations—Contractual liability or other insurance policies.(1) Contractual liability or other insurance policies insuring waivers must state the obligation of the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under the waivers issued by the creditor and purchased or held by the borrower. Contractual liability insurance or other insurance policies insuring waivers must not be purchased by the creditor as part of, or a rider to, vendor single-interest or collateral protection coverages as defined in RCW 48.22.110(4).(2) Coverage under a contractual liability or other insurance policy insuring a waiver must also cover any subsequent assignee upon the assignment, sale, or transfer of the finance agreement.(3) Coverage under a contractual liability or other insurance policy insuring a waiver must remain in effect unless canceled or terminated in compliance with applicable insurance laws of this state.(4) The cancellation or termination of a contractual liability or other insurance policy must not reduce the insurer's responsibility for waivers issued by the creditor prior to the date of cancellation or termination and for which a premium has been received by the insurer.[ 2009 c 334 § 5.]
WA Rev Code § 48.160.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.050 - Required disclosures.

RCW 48.160.050 Required disclosures.Guaranteed asset protection waivers must disclose, as applicable, in writing and in clear, understandable language that is easy to read, the following:(1) The name and address of the initial creditor and the borrower at the time of sale, and the identity of any administrator if different from the creditor;(2) The purchase price and the terms of the waiver, including without limitation, the requirements for protection, conditions, or exclusions associated with the waiver;(3) That the borrower may cancel the waiver within a free look period as specified in the waiver, and will be entitled to a full refund of the purchase price, so long as no benefits have been provided; or in the event benefits have been provided, the borrower may receive a full or partial refund pursuant to the terms of the waiver;(4) The procedure the borrower must follow, if any, to obtain waiver benefits under the terms and conditions of the waiver, including a telephone number and address where the borrower may apply for waiver benefits;(5) Whether or not the waiver is cancellable after the free look period and the conditions under which it may be canceled or terminated including the procedures for requesting any refund due;(6) That in order to receive any refund due in the event of a borrower's cancellation of the waiver agreement or early termination of the finance agreement after the free look period of the waiver, the borrower, in accordance with terms of the waiver, must provide a written request to cancel to the creditor, administrator, or such other party, within ninety days of the occurrence of the event terminating the finance agreement;(7) The methodology for calculating any refund of the unearned purchase price of the waiver due, in the event of cancellation of the waiver or early termination of the finance agreement;(8) That any refund of the purchase price for a waiver that was included in the financing of the motor vehicle or vessel may be applied by the creditor as a reduction of the overall amount owed under the finance agreement, rather than applying the refund strictly to the purchase price of the waiver. This disclosure must be conspicuously presented prior to the purchase of the waiver;(9) That neither the extension of credit, the terms of the credit, nor the terms of the related motor vehicle sale or lease , may be conditioned upon the purchase of the waiver;(10) That the guaranteed asset protection waiver is not credit insurance, nor does it eliminate the borrower's obligation to insure the motor vehicle as provided by laws of this state. Purchasing a guaranteed asset protection waiver does not eliminate the borrower's rights and obligations under the vendor single-interest and collateral protection coverage laws of this state.[ 2009 c 334 § 6.]
WA Rev Code § 48.160.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.060 - Cancellations—Refunds—Free look period—Disclosure required.

RCW 48.160.060 Cancellations—Refunds—Free look period—Disclosure required.(1) Guaranteed asset protection waiver agreements may be cancellable or noncancellable after the free look period. Waivers must provide that if a borrower cancels a waiver within the free look period, the borrower will be entitled to a full refund of the purchase price, so long as no benefits have been provided; or in the event benefits have been provided, the borrower may receive a full or partial refund pursuant to the terms of the waiver.(2) In the event of a borrower's cancellation of the waiver or early termination of the finance agreement, after the agreement has been in effect beyond the free look period, the borrower may be entitled to a refund of any unearned portion of the purchase price of the waiver unless the waiver provides otherwise. In order to receive a refund, the borrower, in accordance with any applicable terms of the waiver, must provide a written request to the creditor, administrator, or other party, within ninety days of the event terminating the finance agreement.(3) If the cancellation of a waiver occurs as a result of a default under the finance agreement or the repossession of the motor vehicle associated with the finance agreement, any refund due may be paid directly to the creditor or administrator and applied as set forth in subsection (4) of this section.(4) Any cancellation refund under this section may be applied by the creditor as a reduction of the overall amount owed under the finance agreement, if the cost of the guaranteed asset protection waiver was included in the financing of the motor vehicle or vessel.(5) Disclosure of how the refund may be applied by the creditor or administrator must be made in accordance with the provisions of RCW 48.160.050(8).[ 2009 c 334 § 7.]
WA Rev Code § 48.160.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.070 - Commissioner's authority to enforce chapter—Rules.

RCW 48.160.070 Commissioner's authority to enforce chapter—Rules.(1) The commissioner may, subject to chapter 48.04 RCW, take action that is necessary or appropriate to enforce this chapter and to protect guaranteed asset protection waiver holders in this state, which includes:(a) Suspending, revoking, or refusing to issue the registration of a person or entity if the registrant fails to comply with any provision of this chapter or fails to comply with any proper order or rule of the commissioner; and(b) After hearing or with the consent of the registrant, and in addition to or in lieu of the suspension, revocation, or refusal to issue any registration, imposing a penalty of not more than two thousand dollars for each violation of this chapter.(2) The commissioner may adopt rules to implement this chapter.[ 2009 c 334 § 8.]
WA Rev Code § 48.160.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.080 - Failure to register when required—Criminal and civil penalties—Personal liability.

RCW 48.160.080 Failure to register when required—Criminal and civil penalties—Personal liability.(1) Any person who markets, offers for sale or sells a guaranteed asset protection waiver, or acts as an obligor for a guaranteed asset protection waiver without a registration, unless otherwise exempt from registration or exempt from this chapter, is acting in violation of this section and is subject to the provisions of RCW 48.160.070. In addition, any person who knowingly violates this section is guilty of a class B felony punishable under chapter 9A.20 RCW.(2) Any criminal penalty imposed under this section is in addition to, and not in lieu of, any other civil or administrative penalty or sanction otherwise authorized under state law.(3) If the commissioner has cause to believe that any person has violated this section, the commissioner may assess a civil penalty of not more than twenty-five thousand dollars for each violation, after providing notice and an opportunity for a hearing in accordance with chapter 48.04 RCW. Upon failure to pay this civil penalty when due, the attorney general may bring a civil action on behalf of the commissioner to recover the unpaid penalty.(4) A person or entity that should have been registered at the time of the sale of a waiver who was not so registered pursuant to this chapter is personally liable for performance of the waiver. Any waiver sold by a person or entity that should have been registered at the time of the sale is voidable, except at the instance of the person or entity who sold the waiver.[ 2009 c 334 § 9.]
WA Rev Code § 48.160.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.160 - Guaranteed Asset Protection Waivers.|48.160.900 - Date of application—2009 c 334.

RCW 48.160.900 Date of application—2009 c 334.Chapter 334, Laws of 2009 is applicable to all guaranteed asset protection waiver agreements entered into on or after January 1, 2010.[ 2009 c 334 § 13.]
WA Rev Code § 48.165.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.165 - Uniform Administrative Procedures—Health Care Services.|48.165.005 - Findings—Intent.

RCW 48.165.005 Findings—Intent.The legislature finds that:(1) The health care system in the nation and in Washington state costs nearly twice as much per capita as other industrialized nations.(2) The fragmentation and variation in administrative processes prevalent in our health care system contribute to the high cost of health care, putting it increasingly beyond the reach of small businesses and individuals in Washington.(3) In 2006, the legislature's blue ribbon commission on health care costs and access requested the office of the insurance commissioner to conduct a study of administrative costs and recommendations to reduce those costs. Findings in the report included:(a) In Washington state approximately thirty cents of every dollar received by hospitals and doctors' offices is consumed by the administrative expenses of public and private payors and the providers;(b) Before the doctors and hospitals receive the funds for delivering the care, approximately fourteen percent of the insurance premium has already been consumed by payor administration. The payor's portion of expense totals approximately four hundred fifty dollars per insurance member per year in Washington state;(c) Over thirteen percent of every dollar received by a physician's office is devoted to interactions between the provider and payor;(d) Between 1997 and 2005, billing and insurance related costs for hospitals in Washington grew at an average pace of nineteen percent per year; and(e) The greatest opportunity for improved efficiency and administrative cost reduction in our health care system would involve standardizing and streamlining activities between providers and payors.(4) To address these inefficiencies, constrain health care inflation, and make health care more affordable for Washingtonians, the legislature seeks to establish streamlined and uniform procedures for payors and providers of health care services in the state. It is the intent of the legislature to foster a continuous quality improvement cycle to simplify health care administration. This process should involve leadership in the health care industry and health care purchasers, with regulatory oversight from the office of the insurance commissioner.[ 2009 c 298 § 1.]
WA Rev Code § 48.165.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.165 - Uniform Administrative Procedures—Health Care Services.|48.165.010 - Definitions.

RCW 48.165.010 Definitions.The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Commissioner" means the insurance commissioner as established under chapter 48.02 RCW.(2) "Health care provider" or "provider" has the same meaning as in RCW 48.43.005 and, for the purposes of chapter 298, Laws of 2009, shall include facilities licensed under chapter 70.41 RCW.(3) "Lead organization" means a private sector organization or organizations designated by the commissioner to lead development of processes, guidelines, and standards to streamline health care administration and to be adopted by payors and providers of health care services operating in the state.(4) "Medical management" means administrative activities established by the payor to manage the utilization of services through preservice or postservice reviews. "Medical management" includes, but is not limited to:(a) Prior authorization or preauthorization of services;(b) Precertification of services;(c) Postservice review;(d) Medical necessity review; and(e) Benefits advisory.(5) "Payor" means public purchasers, as defined in this section, carriers licensed under chapters 48.20, 48.21, 48.44, 48.46, and 48.62 RCW, and the Washington state health insurance pool established in chapter 48.41 RCW.(6) "Public purchaser" means the department of social and health services, the department of labor and industries, and the health care authority.(7) "Secretary" means the secretary of the department of health.(8) "Third-party payor" has the same meaning as in RCW 70.02.010.[ 2009 c 298 § 2.]
WA Rev Code § 48.165.035 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.165 - Uniform Administrative Procedures—Health Care Services.|48.165.035 - Lead organization tasks—Uniform electronic process.

RCW 48.165.035 Lead organization tasks—Uniform electronic process.By December 31, 2010, the lead organization shall:(1) Develop a uniform electronic process for collecting and transmitting the necessary provider-supplied data to support credentialing, admitting privileges, and other related processes that:(a) Reduces the administrative burden on providers;(b) Improves the quality and timeliness of information for hospitals and payors;(c) Is interoperable with other relevant systems;(d) Enables use of the data by authorized participants for other related applications; and(e) Serves as the sole source of credentialing information required by hospitals and payors from providers for data elements included in the electronic process, except this shall not prohibit:(i) A hospital, payor, or other credentialing entity subject to the requirements of this section from seeking clarification of information obtained through use of the uniform electronic process, if such clarification is reasonably necessary to complete the credentialing process; or(ii) A hospital, payor, other credentialing entity, or a university from using information not provided by the uniform process for the purpose of credentialing, admitting privileges, or faculty appointment of providers, including peer review and coordinated quality improvement information, that is obtained from sources other than the provider;(2) Promote widespread adoption of such process by payors and hospitals, their delegates, and subcontractors in the state that credential health professionals and by such health professionals as soon as possible thereafter; and(3) Work with the secretary to assure that data used in the uniform electronic process can be electronically exchanged with the department of health professional licensing process under chapter 18.122 RCW.[ 2009 c 298 § 6.]
WA Rev Code § 48.165.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.165 - Uniform Administrative Procedures—Health Care Services.|48.165.040 - Lead organization tasks—Uniform standard companion document and data set.

RCW 48.165.040 Lead organization tasks—Uniform standard companion document and data set.The lead organization shall:(1) Establish a uniform standard companion document and data set for electronic eligibility and coverage verification. Such a companion guide will:(a) Be based on nationally accepted ANSI X12 270/271 standards for eligibility inquiry and response and, wherever possible, be consistent with the standards adopted by nationally recognized organizations, such as the centers for medicare and medicaid services;(b) Enable providers and payors to exchange eligibility requests and responses on a system-to-system basis or using a payor supported web browser;(c) Provide reasonably detailed information on a consumer's eligibility for health care coverage, scope of benefits, limitations and exclusions provided under that coverage, cost-sharing requirements for specific services at the specific time of the inquiry, current deductible amounts, accumulated or limited benefits, out-of-pocket maximums, any maximum policy amounts, and other information required for the provider to collect the patient's portion of the bill; and(d) Reflect the necessary limitations imposed on payors by the originator of the eligibility and benefits information;(2) Recommend a standard or common process to the commissioner to protect providers and hospitals from the costs of, and payors from claims for, services to patients who are ineligible for insurance coverage in circumstances where a payor provides eligibility verification based on best information available to the payor at the date of the request; and(3) Complete, disseminate, and promote widespread adoption by payors of such document and data set by December 31, 2010.[ 2009 c 298 § 8.]
WA Rev Code § 48.165.045 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.165 - Uniform Administrative Procedures—Health Care Services.|48.165.045 - Lead organization tasks—Implementation guidelines—Code development and standardization—Denial review process.

RCW 48.165.045 Lead organization tasks—Implementation guidelines—Code development and standardization—Denial review process.(1) By December 31, 2010, the lead organization shall develop implementation guidelines and promote widespread adoption of such guidelines for:(a) The use of the national correct coding initiative code edit policy by payors and providers in the state;(b) Publishing any variations from component codes, mutually exclusive codes, and status b codes by payors in a manner that makes for simple retrieval and implementation by providers;(c) Use of health insurance portability and accountability act standard group codes, reason codes, and remark codes by payors in electronic remittances sent to providers;(d) The processing of corrections to claims by providers and payors; and(e) A standard payor denial review process for providers when they request a reconsideration of a denial of a claim that results from differences in clinical edits where no single, common standards body or process exists and multiple conflicting sources are in use by payors and providers.(2) By October 31, 2010, the lead organization shall develop a proposed set of goals and work plan for additional code standardization efforts for 2011 and 2012.(3) Nothing in this section or in the guidelines developed by the lead organization shall inhibit an individual payor's ability to employ, and not disclose to providers, temporary code edits for the purpose of detecting and deterring fraudulent billing activities. Though such temporary code edits are not required to be disclosed to providers, the guidelines shall require that:(a) Each payor disclose to the provider its adjudication decision on a claim that was denied or adjusted based on the application of such an edit; and(b) The provider have access to the payor's review and appeal process to challenge the payor's adjudication decision, provided that nothing in this subsection (3)(b) shall be construed to modify the rights or obligations of payors or providers with respect to procedures relating to the investigation, reporting, appeal, or prosecution under applicable law of potentially fraudulent billing activities.[ 2009 c 298 § 9.]