reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-39-55 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-55 - Reasons for adverse underwriting decisions.

 58-39-55. Reasons for adverse underwriting decisions.(a) In the event of an adverse underwriting decision, the insurance institution or agent responsible for the decision shall give a written notice in a form approved by the Commissioner that:(1) Either provides the applicant, policyholder, or individual proposed for coverage with the specific reason or reasons for the adverse underwriting decision in writing or advises such person that upon written request he may receive the specific reason or reasons in writing; and(2) Provides the applicant, policyholder, or individual proposed for coverage with a summary of the rights established under subsection (b) of this section and G.S. 58-39-45 and 58-39-50.(b) Upon receipt of a written request within 90 business days from the date of the mailing of notice or other communication of an adverse underwriting decision to an applicant, policyholder or individual proposed for coverage, the insurance institution or agent shall furnish to such person within 21 business days from the date of receipt of such written request:(1) The specific reason or reasons for the adverse underwriting decision, in writing, if such information was not initially furnished in writing pursuant to subdivision (a)(1) of this section;(2) The specific items of personal and privileged information that support those reasons: Provided, however:a. The insurance institution or agent shall not be required to furnish specific items of privileged information if it has a reasonable suspicion, based upon specific information available for review by the Commissioner, that the applicant, policyholder, or individual proposed for coverage has engaged in criminal activity, fraud, material misrepresentation, or material nondisclosure, andb. Specific items of medical-record information supplied by a medical-care institution or medical professional shall be disclosed either directly to the individual about whom the information relates or to the medical professional designated by the individual and licensed to provide medical care with respect to the condition to which the information relates, whichever the insurance institution or agent prefers; and(3) The names and addresses of the institutional sources that supplied the specific items of information given pursuant to subdivision (b)(2) of this section: Provided, however, the identity of any medical professional or medical-care institution shall be disclosed either directly to the individual or to the designated medical professional, whichever the insurance institution or agent prefers.(c) The obligations imposed by this section upon an insurance institution or agent may be satisfied by another insurance institution or agent authorized to act on its behalf.(d) When an adverse underwriting decision results solely from an oral request or inquiry, the explanation of reasons and summary of rights required by this section may be given orally. (1981, c. 846, s. 1; 2003-262, s. 2(1).)
NC Gen Stat § 58-39-60 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-60 - Information concerning previous adverse underwriting decisions.

 58-39-60. Information concerning previous adverse underwriting decisions.No insurance institution, agent, or insurance-support organization may seek information in connection with an insurance transaction concerning: (i) any previous adverse underwriting decision experienced by an individual; or (ii) any previous insurance coverage obtained by an individual through a residual market mechanism, unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. (1981, c. 846, s. 1; 2003-262, s. 2(1).)
NC Gen Stat § 58-39-65 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-65 - Previous adverse underwriting decisions.

 58-39-65. Previous adverse underwriting decisions.No insurance institution or agent may base an adverse underwriting decision in whole or in part:(1) On the fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism: Provided, however, an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision;(2) On personal information received from an insurance-support organization whose primary source of information is insurance institutions: Provided, however, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as the result of information received from such insurance-support organization. (1981, c. 846, s. 1; 2003-262, s. 2(1).)
NC Gen Stat § 58-39-70 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-70 - Recodified as G.S. 58-39-125 by Session Laws 2003-262, s. 2(3), effective June 26, 2003.

 58-39-70: Recodified as G.S. 58-39-125 by Session Laws 2003-262, s. 2(3), effective June 26, 2003.
NC Gen Stat § 58-39-76 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-76 - Limits on sharing account number information for marketing purposes.

 58-39-76. Limits on sharing account number information for marketing purposes.(a) General Prohibition on Disclosure of Account Numbers. - An insurance institution, insurance agent, or insurance-support organization shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.(b) Definitions. - As used in this section:(1) "Account number" means an account number, or similar form of access number or access code, but does not include a number or code in an encrypted form, as long as the insurance institution, insurance agent, or insurance-support organization does not provide the recipient with a means to decode the number or code.(2) "Transaction account" means an account other than a deposit account or credit card account. A transaction account does not include an account to which third parties cannot initiate charges.(c) Exceptions. - Subsection (a) of this section does not apply if an insurance institution, insurance agent, or insurance-support organization discloses an account number or similar form of access number or access code:(1) To the insurance institution's, insurance agent's, or insurance-support organization's agent or service provider solely in order to perform marketing for the insurance institution's, insurance agent's, or insurance-support organization's own products or services, as long as the agent or service provider is not authorized to directly initiate charges to the account; or(2) To a participant in a private label credit card program or an affinity or similar program where the participants in the program are identified to the customer when the customer enters into the program. (2001-351, s. 9; 2003-262, s. 2(1).)
NC Gen Stat § 58-39-80 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-80 - Hearings and procedures.

 58-39-80. Hearings and procedures.(a) Whenever the Commissioner has reason to believe that an insurance institution, agent, or insurance-support organization has been or is engaged in conduct in this State that violates this Article, or whenever the Commissioner has reason to believe that an insurance-support organization has been or is engaged in conduct outside this State that has an effect on a person residing in this State and that violates this Article, the Commissioner may issue and serve upon such insurance institution, agent, or insurance-support organization a statement of charges and notice of hearing to be held at a time and place fixed in the notice. The date for such hearing shall be not less than 10 days after the date of service.(b) At the time and place fixed for such hearing the insurance institution, agent, or insurance-support organization charged shall have an opportunity to answer the charges against it and present evidence on its behalf. Upon good cause shown, the Commissioner shall permit any adversely affected person to intervene, appear, and be heard at such hearing by counsel or in person. (1981, c. 846, s. 1; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-85 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-85 - Service of process; insurance-support organizations.

 58-39-85. Service of process; insurance-support organizations.For the purpose of this Article, an insurance-support organization transacting business outside this State that has an effect on a person residing in this State shall be deemed to have appointed the Commissioner to accept service of process on its behalf. The provisions of G.S. 58-16-30 and 58-16-45 shall apply to service of process under this section, except that such service shall be mailed to the insurance-support organization at its last known principal place of business. (1981, c. 846, s. 1; 1985, c. 666, s. 9; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-90 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-90 - Cease and desist orders.

 58-39-90. Cease and desist orders.If, after a hearing pursuant to G.S. 58-39-80, the Commissioner determines that the insurance institution, agent, or insurance-support organization charged has engaged in conduct or practices in violation of this Article, he may issue an order requiring such insurance institution, agent, or insurance-support organization to cease and desist from the conduct or practices constituting a violation of this Article. (1981, c. 846, s. 1; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-95 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-95 - Penalties.

 58-39-95. Penalties.(a) In any case where a hearing pursuant to G.S. 58-39-80 results in the findings of a violation of this Article, the Commissioner, in addition to the issuance of a cease and desist order as prescribed in G.S. 58-39-90, may levy a civil penalty under G.S. 58-2-70.(b) Any person who violates a cease and desist order of the Commissioner under G.S. 58-39-90, after notice and hearing and upon order of the court, may be subject to one or more of the following penalties, at the discretion of the court:(1) A monetary fine of not more than ten thousand dollars ($10,000) for each violation; or(2) A monetary fine of not more than fifty thousand dollars ($50,000) if the court finds that violations have occurred with such frequency as to constitute a general business practice; or(3) Suspension or revocation of an insurance institution's or agent's license.(c) The clear proceeds of any civil penalties levied pursuant to this section shall be remitted to the Civil Penalty and Forfeiture Fund in accordance with G.S. 115C-457.2. (1981, c. 846, s. 1; 1991, c. 720, s. 73; 1998-215, s. 89(b); 2003-262, s. 2(2).)
NC Gen Stat § 58-39-100 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-100 - Appeal of right.

 58-39-100. Appeal of right.From any final order of the Commissioner issued pursuant to the provisions of this Article there shall be an appeal as provided in G.S. 58-2-75. (1981, c. 846, s. 1; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-105 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-105 - Individual remedies.

 58-39-105. Individual remedies.(a) If any insurance institution, agent, or insurance-support organization fails to comply with G.S. 58-39-45, 58-39-50, or 58-39-55 with respect to the rights granted under those sections, any person whose rights are violated may apply to the superior court in the county in which such person resides for appropriate equitable relief.(b) An insurance institution, agent, or insurance-support organization that discloses information in violation of G.S. 58-39-75 shall be liable for damages sustained by the individual to whom the information relates. No individual, however, shall be entitled to a monetary award that exceeds the actual damages sustained by the individual as a result of a violation of G.S. 58-39-75.(c) In any action brought pursuant to this section, the court may award the cost of the action and reasonable attorney's fees to the prevailing party.(d) An action under this section must be brought within two years from the date the alleged violation is or should have been discovered.(e) Except as specifically provided in this section, there shall be no remedy or recovery available to individuals for any occurrence that constitutes a violation of any provision of this Article. (1981, c. 846, s. 1; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-110 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-110 - Immunity.

 58-39-110. Immunity.No cause of action in the nature of defamation, invasion of privacy, or negligence shall arise against any person for disclosing personal or privileged information in accordance with this Article, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurance institution, agent, or insurance-support organization: Provided, however, this section shall provide no immunity for disclosing or furnishing false information with malice or willful intent to injure any person. (1981, c. 846, s. 1; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-115 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-115 - Obtaining information under false pretenses.

 58-39-115. Obtaining information under false pretenses.Any person who knowingly and willfully obtains information about an individual from an insurance institution, agent, or insurance-support organization under false pretenses shall, upon conviction, be guilty of a Class 1 misdemeanor. (1981, c. 846, s. 1; 1985, c. 666, s. 33; 1993, c. 539, s. 465; 1994, Ex. Sess., c. 24, s. 14(c); 2003-262, s. 2(2).)
NC Gen Stat § 58-39-120 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-120 - Rights.

 58-39-120. Rights.The rights granted under G.S. 58-39-45, 58-39-50, and 58-39-75 shall take effect on July 1, 1982, regardless of the date of the collection or receipt of the information that is the subject of such sections. (1981, c. 846, s. 1; c. 1127, s. 56; 2003-262, s. 2(2).)
NC Gen Stat § 58-39-125 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-125 - Powers of the Commissioner.

 58-39-125. Powers of the Commissioner.(a) The Commissioner shall have the power to examine and investigate into the affairs of every insurance institution or agent doing business in this State to determine whether the insurance institution or agent has been or is engaged in any conduct in violation of this Article.(b) The Commissioner shall have the power to examine and investigate the affairs of every insurance-support organization that acts on behalf of an insurance institution or agent and that either (i) transacts business in this State, or (ii) transacts business outside this State and has an effect on a person residing in this State in order to determine whether such insurance-support organization has been or is engaged in any conduct in violation of this Article. (1981, c. 846, s. 1; 2003-262, ss. 2(1), 2(3).)
NC Gen Stat § 58-39-130 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-130 - Purpose.

 58-39-130. Purpose.The purpose of this Part is to establish standards for developing and implementing administrative, technical, and physical safeguards to protect the security, confidentiality, and integrity of customer information, as required by sections 501, 505(b), and 507 of the federal Gramm-Leach-Bliley Act (Public Law 106-102), codified as 15 U.S.C. 6801, 6805(b), and 6807. The purpose of this Part is also to provide privacy and security protection consistent with federal regulations governing the privacy and security of medical records when this Part is consistent with those federal regulations. In those instances in which this Part and the federal regulations are inconsistent and this Part provides privacy and security protection beyond that offered by the federal regulations, the purpose of this Part is to provide that additional privacy and security protection. (2003-262, s. 4.)
NC Gen Stat § 58-39-135 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-135 - Scope.

 58-39-135. Scope.The safeguards established under this Part apply to all customer information as defined in G.S. 58-39-140. (2003-262, s. 4.)
NC Gen Stat § 58-39-140 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-140 - Definitions.

 58-39-140. Definitions.As used in this Part, in addition to the definitions in G.S. 58-39-15:(1) "Customer" means an applicant with or policyholder of a licensee.(2) "Customer information" means nonpublic personal information about a customer, whether in paper, electronic, or other form that is maintained by or on behalf of the licensee.(3) "Customer information systems" means the electronic or physical methods used to access, collect, store, use, transmit, protect, or dispose of customer information.(4) "Licensee" means any producer, as defined in G.S. 58-33-10(7), insurer, MEWA, HMO, or service corporation governed by this Chapter. "Licensee" does not mean:a. An insurance-support organization.b. A licensee who is a natural person operating within the scope of the licensee's employment by or affiliation with an insurer or producer.c. A surplus lines insurer or licensee under Article 21 of this Chapter.(5) "Service provider" means a person that maintains, processes, or otherwise is permitted access to customer information through its provision of services directly to the licensee and includes an insurance support organization. (2003-262, s. 4.)
NC Gen Stat § 58-39-145 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-145 - Information security program.

 58-39-145. Information security program.Each licensee shall implement a comprehensive written information security program that includes administrative, technical, and physical safeguards for the protection of customer information. The administrative, technical, and physical safeguards included in the information security program shall be appropriate to the size and complexity of the licensee and the nature and scope of its activities. (2003-262, s. 4.)
NC Gen Stat § 58-39-150 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-150 - Objectives of information security program.

 58-39-150. Objectives of information security program.A licensee's information security program shall be designed to:(1) Ensure the security and confidentiality of customer information;(2) Protect against any anticipated threats or hazards to the security or integrity of the information; and(3) Protect against unauthorized access to or use of the information that could result in substantial harm or inconvenience to any customer. (2003-262, s. 4.)
NC Gen Stat § 58-39-155 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-155 - Rules.

 58-39-155. Rules.The Commissioner may adopt rules that the Commissioner deems necessary to carry out the purposes of this Part, including rules that govern licensee oversight of service providers with which it contracts or has a relationship. (2003-262, s. 4.)
NC Gen Stat § 58-39-160 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-160 - Violation.

 58-39-160. Violation.A violation of G.S. 58-39-145 or G.S. 58-39-150 subjects the violator to Part 2 of this Article. (2003-262, s. 4.)
NC Gen Stat § 58-39-165 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 39 - Consumer and Customer Information Privacy.|§ 58-39-165 - Effective date.

 58-39-165. Effective date.Each licensee shall establish an information security program, including appropriate policies and systems under this Part by April 1, 2005. (2003-262, s. 4.)
NC Gen Stat § 58-40-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 40 - Regulation of Insurance Rates.|§ 58-40-1 - Purposes.

 58-40-1. Purposes.The purposes of this Article are(1) To promote the public welfare by regulating rates to the end that they shall not be excessive, inadequate, or unfairly discriminatory;(2) To authorize the existence and operation of qualified statistical organizations and require that specified services of the organizations be generally available to all admitted insurers;(3) To encourage, as the most effective way to produce rates that conform to the standards of subsection (1) of this section, independent action by and reasonable price competition among insurers;(4) To authorize cooperative action among insurers in the rate-making process, and to regulate such cooperation in order to prevent practices that tend to bring about monopoly or to lessen or destroy competition; and(5) To encourage the most efficient and economic marketing practices. (1977, c. 828, s. 2; 2005-210, s. 2.)