reglab/housing_qa huggingface dataset:
TX Ins Code § 602.105 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle D - Privacy|Chapter 602 - Privacy of Health Information|Subchapter C. Penalties and Enforcement|Section 602.105. Exclusion From State Programs

Sec. 602.105.  EXCLUSION FROM STATE PROGRAMS.  If there is evidence that a covered entity has engaged in a pattern or practice of violating this chapter, in addition to the other penalties prescribed by this subchapter, the covered entity shall be excluded from participating in any state-funded health care program.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 602.106 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle D - Privacy|Chapter 602 - Privacy of Health Information|Subchapter C. Penalties and Enforcement|Section 602.106. Remedies Available

Sec. 602.106.  REMEDIES AVAILABLE.  This subchapter does not affect any right of a person under other law to bring a cause of action or otherwise seek relief with respect to conduct that violates this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.001. Definitions

Sec. 651.001.  DEFINITIONS.  In this chapter:(1)  "Annual percentage rate" means the annual percentage rate of finance charge determined under the Consumer Credit Protection Act and Regulation Z.(2)  "Consumer Credit Protection Act" means the Consumer Credit Protection Act of 1970 (15 U.S.C. Section 1601 et seq.;  18 U.S.C. Section 891 et seq.).(2-a)  "Insurance agent" means a person licensed under Subchapter E, Chapter 981 or Chapter 4051, 4052, 4053, 4054, 4055, 4056, or 4153.(3)  "Insurance premium finance company" means:(A)  a person engaged in the business of making loans under this chapter by entering into premium finance agreements with insureds or prospective insureds;(B)  a person engaged in the business of acquiring premium finance agreements from insurance agents or brokers or from other insurance premium finance companies;  or(C)  an insurance agent or broker making loans under this chapter who holds premium finance agreements made and delivered by insureds that are payable to the agent or broker or to the agent's or broker's order.(4)  "Insured" means a person who enters into a premium finance agreement with an insurance premium finance company.(5)  "Insurer" means an entity organized or authorized to engage in the business of insurance under this code as a capital stock insurance company, title insurance company, reciprocal or interinsurance exchange, Lloyd's plan, fraternal benefit society, mutual or mutual assessment company of any kind, statewide mutual assessment company, local mutual aid association, burial association, county or farm mutual insurance company, fidelity, guaranty, or surety company, or trust company.(6)  "License holder" means an insurance premium finance company that holds a license issued under Subchapter B.(7)  "Person" means an individual, partnership, corporation, joint venture, trust, association, or other legal entity, regardless of organization.(8)  "Premium finance agreement" means an agreement by which an insured or prospective insured promises to pay to an insurance premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance agent in payment of the premiums on an insurance contract.(8-a)  "Premium finance agreement servicer" means a person who provides a premium finance company with collection, billing, or other services related to the administration of premium finance agreements.(9)  "Regulation Z" means the federal regulations adopted under the Consumer Credit Protection Act as 12 C.F.R. Section 226.1 et seq.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2005, 79th Leg., Ch. 757 (H.B. 2965), Sec. 1, eff. June 17, 2005.|
TX Ins Code § 651.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.002. Certain Conduct Not Engaging in Business as Insurance Premium Finance Company

Sec. 651.002.  CERTAIN CONDUCT NOT ENGAGING IN BUSINESS AS INSURANCE PREMIUM FINANCE COMPANY.  (a)  The preparation or delivery by an insurance agent of a premium finance agreement or disclosure statement required by Section 651.155 on behalf of the insured does not constitute engaging in business as an insurance premium finance company.(b)  Subsection (a) does not apply to a premium finance agreement held for the benefit of the insurance agent as provided by Section 651.001(3)(C).(c)  This chapter does not apply to a health care sharing ministry operated under Chapter 1681.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2013, 83rd Leg., R.S., Ch. 455 (S.B. 874), Sec. 3, eff. June 14, 2013.|
TX Ins Code § 651.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.003. Rules

Sec. 651.003.  RULES.  (a)  The commissioner may adopt and enforce rules necessary to administer this chapter.(b)  The rules may contain classifications, differentiations, or other provisions and provide for adjustments or exceptions for any class of transactions necessary to:(1)  accomplish the purposes of this chapter;(2)  prevent circumvention or evasion of this chapter;  or(3)  facilitate compliance with this chapter.(c)  A rule adopted by the commissioner may not contain any classification, differentiation, or other provision with respect to any class of transactions or provide for any adjustment or exception for any class of transactions that would result in a less stringent disclosure requirement than required for that class of transactions by the Consumer Credit Protection Act or Regulation Z.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.004. Employment of Examiners and Investigators; Payment of Expenses

Sec. 651.004.  EMPLOYMENT OF EXAMINERS AND INVESTIGATORS;  PAYMENT OF EXPENSES.  The department may:(1)  employ persons as necessary to examine or investigate and make reports on alleged violations of this chapter and compliance with any other provision of this code by a license holder;(2)  pay the salaries and expenses of persons described by Subdivision (1) and of all office employees;  and(3)  pay an expense necessary to enforce this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.005 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.005. Deposit and Use of Fees

Sec. 651.005.  DEPOSIT AND USE OF FEES.  (a)  Except as provided by Subsection (b), each fee collected under this chapter:(1)  shall be deposited to the credit of the Texas Department of Insurance operating account; and(2)  may be used by the department to enforce this chapter.(b)  An assessment or fee associated with examination costs, as defined by Section 401.251, shall be deposited to the account described by Section 401.156(a).|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2011, 82nd Leg., R.S., Ch. 659 (S.B. 1291), Sec. 4, eff. September 1, 2011.|
TX Ins Code § 651.006 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.006. Assessments

Sec. 651.006.  ASSESSMENTS.  (a)  A license holder shall pay to the department:(1)  an amount imposed by the department to cover the direct and indirect cost of examinations and investigations made under this chapter;  and(2)  a proportionate share of the general administrative expense attributable to the regulation of license holders.(b)  Each amount required by this section is in addition to any investigation or license fee imposed under Subchapter B.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.007 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.007. Applicability of Consumer Credit Protection Act and Regulation Z

Sec. 651.007.  APPLICABILITY OF CONSUMER CREDIT PROTECTION ACT AND REGULATION Z.  A transaction that is subject to this chapter is also subject to:(1)  the Consumer Credit Protection Act;  and(2)  the applicable provisions of Regulation Z.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.008 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter A. General Provisions|Section 651.008. Authority of Certain Property and Casualty Agents to Charge Interest to Certain Persons

Sec. 651.008.  AUTHORITY OF CERTAIN PROPERTY AND CASUALTY AGENTS TO CHARGE INTEREST TO CERTAIN PERSONS.  (a)  Notwithstanding any other law, a general property and casualty agent or a personal lines property and casualty agent who holds a license under Chapter 4051 may enter into a written agreement with a purchaser of insurance from the agent that provides for the payment of interest to the agent on any amount due to the agent for the insurance purchased.  The interest is computed at a rate not to exceed the greater of:(1)  a rate allowed by Chapter 303, Finance Code; or(2)  the rate of one percent a month.(b)  A claim or defense of usury may not be raised in connection with a written agreement under this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 548 (S.B. 1263), Sec. 2.06, eff. September 1, 2007.Acts 2007, 80th Leg., R.S., Ch. 548 (S.B. 1263), Sec. 2.07, eff. September 1, 2007.|
TX Ins Code § 651.051 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.051. License Required

Sec. 651.051.  LICENSE REQUIRED.  (a)  Unless the person is a license holder, a person may not:(1)  negotiate, transact, or engage in the business of insurance premium financing in this state; or(2)  contract for, charge, or receive directly or indirectly on or in connection with an insurance premium financing any charge, regardless of whether the charge is for interest, compensation, consideration, expense, or otherwise, if in the aggregate the amount of the charge exceeds the amount the person would be permitted by law to charge if the person were not a license holder.(b)  This subchapter does not apply to a person who purchases or otherwise acquires a premium finance agreement from a license holder if the license holder:(1)  retains the right to service the agreement and to collect payments due under the agreement; and(2)  remains responsible for servicing the agreement in compliance with this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2005, 79th Leg., Ch. 757 (H.B. 2965), Sec. 2, eff. June 17, 2005.|
TX Ins Code § 651.052 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.052. License Fee

Sec. 651.052.  LICENSE FEE.  (a)  The department shall establish the fee for a license under this subchapter in an amount not to exceed $200.(b)  The fee for a license issued after June 30 may not exceed $100.(c)  Section 201.001 applies to fees collected under this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.053. Entitlement of Banks and Savings and Loan Associations to License

Sec. 651.053.  ENTITLEMENT OF BANKS AND SAVINGS AND LOAN ASSOCIATIONS TO LICENSE.  (a)  A bank or a savings and loan association is entitled to receive a license under this subchapter if the bank or savings and loan association:(1)  is engaging in business under the laws of this state or the United States;  and(2)  notifies the department of its intention to operate under this chapter.(b)  On receipt of notice under Subsection (a)(2), the department shall immediately issue a license to the bank or savings and loan association.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.054 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.054. Application for License; Investigation Fee; Exemption

Sec. 651.054.  APPLICATION FOR LICENSE;  INVESTIGATION FEE;  EXEMPTION.  (a)  An application for a license to engage in the business of insurance premium financing must:(1)  be in writing on a form prescribed by the commissioner;  and(2)  be accompanied by a nonrefundable investigation fee in an amount not to exceed $400 as established by the department.(b)  A person who on January 1, 1980, held a license under Chapter 3, Title 79, Revised Statutes (Article 5069-3.01 et seq., Vernon's Texas Civil Statutes), is not required to pay an investigation fee.(c)  Section 201.001 applies to fees collected under this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.055 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.055. Refusal to Issue License

Sec. 651.055.  REFUSAL TO ISSUE LICENSE.  The department may refuse to issue a license to an applicant if the department determines that:(1)  the financial responsibility, experience, character, or general fitness of the applicant or any person associated with the applicant does not command the confidence of the community and does not warrant the belief that the applicant will engage in the business of insurance premium financing honestly, fairly, and efficiently;  or(2)  the applicant does not have available for the operation of the business net assets of at least $25,000.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.056 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.056. Notice of Action on Application

Sec. 651.056.  NOTICE OF ACTION ON APPLICATION.  Not later than the 90th day after the date the department receives an application under Section 651.054, the department shall notify the applicant that:(1)  the application has been approved and the department will issue a license to the applicant on payment of the required license fee;  or(2)  the application has been denied.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.057 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.057. Issuance of License

Sec. 651.057.  ISSUANCE OF LICENSE.  After approval of an application and on receipt of the required license fee, the department shall:(1)  issue a license authorizing the license holder to engage in business as an insurance premium finance company at the location specified in the license holder's application;  and(2)  send the license to the applicant.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.058 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.058. Reciprocal License

Sec. 651.058.  RECIPROCAL LICENSE.  The department may waive any license requirement for an applicant who holds a valid license from another state that has license requirements substantially equivalent to the requirements prescribed by this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.059 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.059. Issuance of Multiple Licenses

Sec. 651.059.  ISSUANCE OF MULTIPLE LICENSES.  The department may issue a person more than one license under this subchapter but may not issue one person more than 60 of those licenses.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.060 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.060. Single Business Location Authorized by License

Sec. 651.060.  SINGLE BUSINESS LOCATION AUTHORIZED BY LICENSE.  A license authorizes the license holder to maintain only one location where the business of insurance premium financing may be conducted.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.061 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.061. Appearance of License; Posting

Sec. 651.061.  APPEARANCE OF LICENSE;  POSTING.  (a)  A license must state the name and address of the license holder.(b)  The license must be conspicuously posted at the location where the license holder engages in the business of insurance premium financing.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.062 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.062. Transfer or Assignment of License Prohibited

Sec. 651.062.  TRANSFER OR ASSIGNMENT OF LICENSE PROHIBITED.  A license may not be transferred or assigned.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.063 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.063. Term of License

Sec. 651.063.  TERM OF LICENSE.  Unless a staggered renewal system is adopted under Section 651.065, a license is issued for the calendar year and remains valid until December 31 of that year, unless suspended, revoked, or surrendered in accordance with Section 651.204 or 651.206.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.064 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.064. Procedure for License Renewal

Sec. 651.064.  PROCEDURE FOR LICENSE RENEWAL.  (a)  A license holder may renew an unexpired license by paying the required renewal fee to the department.(b)  A person whose license has been expired for 90 days or less may renew the license by paying to the department:(1)  the required renewal fee;  and(2)  an additional fee equal to one-half of the original license fee.(c)  A person whose license has been expired for more than 90 days but less than two years may renew the license by paying to the department:(1)  all unpaid renewal fees;  and(2)  an additional fee equal to the original license fee.(d)  A person whose license has been expired for two years or more may not renew the license.  The person may obtain a new license by complying with the requirements and procedures for obtaining an original license.(e)  Not later than the 30th day before the date a person's license expires, the department shall send written notice of the impending license expiration to the person at the person's last known address.(f)  This section may not be construed to prevent the department from denying or refusing to renew a license under an applicable law or a rule adopted by the commissioner.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.065 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter B. Authority to Engage in Business|Section 651.065. Staggered Renewal System

Sec. 651.065.  STAGGERED RENEWAL SYSTEM.  (a)  The commissioner by rule may adopt a system under which licenses expire on various dates during the year.(b)  For a year in which the license expiration date is less than one year from the date of license issuance or the anniversary of that date, the license fee shall be prorated so that each license holder pays only that portion of the license fee allocable to the number of months during which the license is valid.  On each subsequent renewal of the license, a license holder must pay the total renewal fee.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.101 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter C. Regulation of Insurance Premium|Section 651.101. Books, Accounts, and Records

Sec. 651.101.  BOOKS, ACCOUNTS, AND RECORDS.  (a)  A license holder shall maintain books, accounts, and records in sufficient detail to enable a representative of the department to determine whether the license holder is in compliance with this chapter and rules adopted by the commissioner.(b)  A license holder shall maintain for inspection the license holder's books, accounts, and records, including any cards used in a card system, for at least four years after the date the final entry of any premium finance agreement is recorded in those books, accounts, and records.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 651.102 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle E - Premium Financing|Chapter 651 - Financing of Insurance Premiums|Subchapter C. Regulation of Insurance Premium|Section 651.102. Annual Report

Sec. 651.102.  ANNUAL REPORT.  On or before April 1 of each year, a license holder shall file with the department a report containing information required by the department concerning the business and operations of the license holder during the preceding calendar year at each licensed location where the license holder engages in the business of insurance premium financing in this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|