reglab/statecodes huggingface dataset:
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-340.04 - Bail recovery agent prohibitions; criminal records checks

20-340.04.
Bail recovery agent prohibitions;  criminal records checks
A. A person who has been convicted in any jurisdiction of theft,  any felony or any crime involving the carrying or illegal use or possession of a deadly weapon or dangerous instrument may not act as a bail recovery agent.
B. A person shall submit a full set of fingerprints to the department before acting as a bail recovery agent and shall submit a new set of fingerprints on or before September 1 of every third year after initial identification by the bail bond agent in the report that is filed with the director pursuant to section 13-3885,  subsection C. The department of insurance and financial institutions shall submit the fingerprints to the department of public safety for the purpose of obtaining a state and federal criminal records check pursuant to section 41-1750 and Public Law 92-544. The fingerprint processing fee collected by the department shall be an amount that does not exceed the cost to the department that is charged by the federal bureau of investigation for the fingerprint processing to obtain federal criminal history record information. The department of public safety may exchange this fingerprint data with the federal bureau of investigation. The department of public safety shall provide the criminal history record information to the director pursuant to section 41-1750.
C. Any person who acts as a bail recovery agent on behalf of any bail bond agent and any person who conducts any action relating to a bail recovery or apprehension must be identified by the bail bond agent in the report that is filed with the director pursuant to section 13-3885,  subsections C and D.
D. A bail bond agent may not employ a bail recovery agent who does not comply with this section and who has not been identified by the bail bond agent in the report that is filed with the director pursuant to section 13-3885,  subsection C. A bail bond agent who is not licensed in this state shall contract with a bail bond agent in this state to retain the services of a bail recovery agent in this state.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-340.06 - Application of other laws

20-340.06.
Application of other laws
To the extent not inconsistent with this article,  sections 20-281,  20-284 and 20-285,  section 20-286,  subsections B,  C and D,  section 20-288,  subsection B and sections 20-289,  20-289.01,  20-292,  20-295,  20-296,  20-297,  20-298,  20-299,  20-301 and 20-302 apply to bail bond agents.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-341 - Purpose of insurance rate regulation

20-341.
Purpose of insurance rate regulation
A. The purpose of this article is to promote the public welfare by regulating insurance rates to the end that they shall not be excessive,  inadequate or unfairly discriminatory,  and to authorize and regulate cooperative action among insurers in rate making and in other matters within the scope of this article. Nothing in this article is intended to prohibit or discourage reasonable competition,  or to prohibit or encourage,  except to the extent necessary to accomplish the purpose stated in this section,  uniformity in insurance rates,  rating systems,  rating plans or practices. This article shall be liberally interpreted to carry into effect the provisions of this section.
B. Where the rules and regulations of a rating bureau or advisory organization conflict with the law,  the rules and regulations do not apply.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-342 - Scope and application of article

20-342.
Scope and application of article
A. This article does not apply to:
1. Life insurance.
2. Disability insurance.
3. Reinsurance,  except joint reinsurance as provided in section 20-369.
4. Mortgage guaranty insurance.
5. Insurance against loss of or damage to aircraft,  their hulls,  accessories and equipment,  or against liability,  other than employers' liability,  arising out of the ownership,  maintenance or use of aircraft.
6. Insurance of vessels or craft,  their cargoes,  marine builders' risks,  marine protection and indemnity,  or other risks commonly insured under marine,  as distinguished from inland marine,  insurance policies.
7. Insurance risks described in section 20-382,  subsection A,  paragraph 8.
B. Rates for the types of insurance included in section 20-382 are only subject to sections 20-381 through 20-399.
C. This section and sections 20-341 and 20-356 through 20-374 apply to workers' compensation and employers' liability insurance incident to and written in connection with workers' compensation on risks or operations in this state.
D. This section and sections 20-341 and 20-361 through 20-379 apply to title insurance on risks located in this state and to escrow services performed by a title insurer or title insurance agent as defined in section 20-1562. Those sections are designated as the title insurance rate regulatory provisions of this article and are the only sections of this article that apply to title insurance.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-343 - Definitions

20-343.
Definitions
In this article,  unless the context otherwise requires:
1. " Board"  means the workers' compensation appeals board established by section 20-367.
2. " Classification plan"  means the plan or system that groups industries,  occupations or operations with a similar exposure to loss into rate classifications for workers' compensation rating,  rate making and statistical reporting purposes.
3. " Designated rating organization"  means the rating organization selected by the director pursuant to section 20-371,  subsection F.
4. " Designated statistical agent"  means the organization designated by the director under section 20-371,  subsection D.
5. " Experience rating plan"  means a mandatory rating plan for all eligible insureds that establishes a workers' compensation rating procedure that compares the actual loss experience of individual insureds to the industry average for the same classification with differences reflected in the insured's premium.
6. " Schedule rating plan"  means a rating plan by which an insurer increases or decreases workers' compensation rates to reflect the individual risk characteristics or the loss ratios of the subject of insurance.
7. " Statistical plan"  means the plan,  system or arrangement used in collecting workers' compensation data.
8. " Uniform plan"  means a workers' compensation statistical plan,  classification plan or experience rating plan designated by the director pursuant to section 20-371,  subsection J.
9. " Uniform rate filing"  means the rate filing that is made by the designated rating organization and that includes all of the workers' compensation rates to which insurers transacting workers' compensation insurance in this state shall adhere except as provided in section 20-359,  subsections A and B. Uniform rate filing also includes the expected loss ratios,  ballast factors and other factors promulgated by the designated rating organization for the uniform experience rating plan.
10. " Workers' compensation rates"  means rates for workers' compensation and employers' liability insurance incident to and written in connection with workers' compensation.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-344 - Uniform plans

20-344.
Uniform plans
A. Except as provided in subsections B and C of this section,  every rating organization and every insurer that transacts workers' compensation insurance in this state shall adhere to plans approved by the director as the uniform statistical plan,  uniform classification plan and uniform experience rating plan for the state.
B. A rating organization may use its own statistical plan to the extent that the statistical plan does not materially conflict with the uniform statistical plan for the purposes of making all reports to the statistical agent designated by the director pursuant to section 20-371,  subsection D. The rating organization shall file its statistical plan with the director and receive the director's approval before using its own statistical plan.
C. An insurer may directly or through the rating organization of which it is a member develop subclassifications of the uniform classification plan. The insurer,  or a rating organization on the insurer's behalf,  shall file each subclassification and the rate for the subclassification with the director,  and they shall be on file for a waiting period of at least fifteen days before they become effective. The director shall disapprove the subclassification if the insurer fails to demonstrate that the data produced by the subclassification can be reported consistently with the uniform classification plan and uniform statistical plan or the rate of the subclassification does not meet the standards of section 20-356,  paragraph 1.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-356 - Making of rates

20-356.
Making of rates
All rates subject to this article shall be made in accordance with the following provisions:
1. Rates shall not be excessive,  inadequate or unfairly discriminatory. No rate shall be held to be inadequate unless the director finds that the loss experience of the insurer in the classification covered by the rate has been adverse for a continuous period of not less than two years immediately preceding the date of such finding.
2. Due consideration shall be given to past and prospective loss experience within and outside this state,  to catastrophe hazards,  if any,  to a reasonable margin for underwriting profit and contingencies,  to dividends,  savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders,  members or subscribers,  to past and prospective expenses within and outside this state and to all other relevant factors within and outside this state.
3. The systems of expense provisions included in the rates for use by any insurer or group of insurers may differ from those of other insurers or groups of insurers to reflect the requirements of the operating methods of any such insurer or group with respect to any kind of insurance,  or with respect to any subdivision or combination thereof for which subdivision or combination separate expense provisions are applicable.
4. Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans which establish standards for measuring variations in hazards or expense provisions,  or both. Such standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses.
5. Nothing in this article shall be construed to prohibit payment of dividends by insurers issuing policies on the participating plan,  or by mutual or reciprocal insurers,  but in the payment of such dividends there shall be no unfair discrimination between policyholders.
6. Except to the extent necessary to meet the provisions of paragraph 1,  uniformity among insurers in any matters within the scope of this section is neither required nor prohibited.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-357 - Filing of rating system; definition

20-357.
Filing of rating system;  definition
A. Every insurer shall file with the director the rating systems the insurer proposes to use. As used in the rate regulatory provisions of this article,  " rating systems"  includes every manual of classifications,  rules and rates,  every rating plan and every modification of any of the foregoing. Every filing shall have a proposed effective date and shall indicate the character and extent of the coverage contemplated. If a filing does not include the information on which the insurer supports the filing,  and the director does not have sufficient information to determine whether the filing meets the rate regulatory requirements of this article,  the director shall require the insurer to furnish information supporting the filing. The supporting information may include the experience or judgment of the insurer or rating organization making the filing,  its interpretation of any statistical data on which it relies,  the experience of other insurers or rating organizations or any other relevant factors. A filing and any supporting information shall be open to public inspection after the filing becomes effective.
B. A workers' compensation insurer shall satisfy its obligation to make filings by becoming a member of a licensed rating organization that makes filings and by authorizing the director to accept on its behalf filings made by the rating organization. A rating organization shall annually file with the director rates to be effective on January 1. Nothing in this subsection requires an insurer to be a member of the designated rating organization.
C. Each filing shall be on file for a waiting period of at least thirty days before it becomes effective. On written application by the insurer or rating organization making the filing,  the director may authorize a filing to become effective before the waiting period expires.
D. On written application of the insured that states the insured's reasons and that is filed with and approved by the director,  an insurer may use a rate in excess of the insurer's filed rate on the insured's risk.
E. An insurer shall not make or issue a contract or policy except in accordance with the filings in effect for that insurer as provided in the rate regulatory provisions of this article.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-358 - Disapproval of rates

20-358.
Disapproval of rates
A. If at any time the director finds that a filing does not meet the standards set forth in section 20-356,  he shall,  after a hearing held upon not less than ten days' written notice,  in which he shall specify the matters to be considered at such hearing,  to every insurer and rating organization which made the filing,  issue an order specifying in what respects he finds that the filing fails to meet the requirements of the rate regulatory provisions of this article,  and stating when,  within a reasonable period thereafter,  the filing or rating system shall be deemed no longer effective. Copies of the order shall be sent to every such insurer and rating organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth therein.
B. Any person or organization aggrieved with respect to any filing or rating system which is in effect may make written application to the director for a hearing thereon,  but the insurer or rating organization which made the filing or uses the rating system shall not be authorized to proceed under this subsection. The application shall specify the grounds to be relied upon by the applicant. If the director finds that the application is made in good faith,  that the applicant would be so aggrieved if his grounds are established and that the grounds otherwise justify holding such a hearing,  he shall within thirty days after receipt of the application hold a hearing upon not less than ten days' written notice to the applicant and to every insurer and rating organization which made such filing or uses such rating system. If,  after the hearing,  the director finds that the filing or rating system does not meet the requirements of the rate regulatory provisions of this article,  he shall issue an order specifying in what respects he finds that it fails to meet such requirements and stating when,  within a reasonable period thereafter,  it shall be deemed no longer effective. Copies of the order shall be sent to the applicant and to every such insurer and rating organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth therein.
C. No manual of classifications,  rules,  rating plan or any modification of any of the foregoing which establishes standards for measuring variations in hazards or expense provisions,  or both,  and which is being used pursuant to the requirements of section 20-356,  shall be disapproved if the rates thereby produced meet the requirements of the rate regulatory provisions of this article.
D. The director may utilize independent contractor examiners experienced in the review of applicable rates and reserves pursuant to sections 20-148 and 20-159 to implement the provisions of this article. All examination and examination related expenses shall be borne by the insurer and shall be paid by the insurance examiners' revolving fund pursuant to section 20-159.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-361 - Licensing of rating organizations

20-361.
Licensing of rating organizations
A. A corporation,  an unincorporated association,  a partnership or an individual,  whether located within or outside this state,  may apply to the director for a license as a rating organization for insurance subject to this article and shall file all of the following with the director:
1. A copy of its constitution,  its articles of agreement or association or its certificate of incorporation and a copy of its bylaws,  rules and regulations governing the conduct of its business.
2. A list of its members.
3. The name and address of a resident of this state for service of process,  notices and orders.
4. A statement of its qualifications as a rating organization.
5. A financial statement that is certified by an officer of the applicant,  that is on a form acceptable to the director and that includes financial information that is current as of not more than ninety days before the date the application is filed with the director. The financial statement shall include an income statement and a balance sheet that is prepared according to generally accepted accounting principles and that is for the two years immediately preceding the date of the financial statement. The applicant shall not submit consolidated income statements or balance sheets.
6. A plan for the orderly and timely transfer to the designated statistical agent or the director of all data collected in accordance with the statistical plan in effect in this state from its member insurers in this state if the rating organization ceases to do business in this state.
B. If the director finds that the applicant is competent and otherwise qualified to act as a rating organization and that its constitution,  articles of agreement or association or certificate of incorporation and its bylaws,  rules and regulations governing the conduct of its business conform to the requirements of law,  the director shall issue a license specifying the kinds of insurance,  or subdivisions or classes of risks or parts or combinations thereof,  for which the applicant is authorized to act as a rating organization. The director shall either grant or deny an application in whole or in part within sixty days after its filing.
C. Licenses issued pursuant to this section shall remain in effect until suspended or revoked by the director or the director has accepted the surrender of the license. The director may suspend or revoke a license after notice and a hearing if the rating organization ceases to meet the requirements of this section.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-362 - Notice to director of changes in rating organization

20-362.
Notice to director of changes in rating organization
Every rating organization shall notify the director promptly of every change in:
1. Its constitution,  its articles of agreement or association,  or its certificate of incorporation,  and its bylaws,  rules and regulations governing the conduct of its business.
2. Its list of members and subscribers.
3. The name and address of the resident of this state designated by it upon whom notices or orders of the director or process affecting the rating organization may be served.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-363 - Availability of services of rating organization to members

20-363.
Availability of services of rating organization to members
A. Subject to rules and regulations that have been approved by the director as reasonable,  each workers' compensation rating organization shall permit any insurer writing workers' compensation insurance in this state to become a member. The rating organization shall give its members notice of proposed changes in its rules and regulations.
B. Each rating organization shall furnish its rating services without discrimination to its members.
C. Any member or insurer may request that the director review the reasonableness of any rule or regulation in its application to members at a hearing held on at least ten days' written notice to the rating organization and to the member or insurer. If the director finds that the rule or regulation is unreasonable in its application,  the director shall order that the rule or regulation does not apply.
D. Every insurer writing workers' compensation insurance in this state shall be a member of one workers' compensation rating organization.
E. A rating organization shall have as members at least five insurers authorized to write and who are writing workers' compensation insurance in this state and whose combined experience is determined by the director to be reasonably adequate for rate making purposes.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-364 - Technical services

20-364.
Technical services
A. Any rating organization may provide for the examination of policies,  daily reports,  binders,  renewal certificates,  endorsements or other evidence of insurance,  or the cancellation thereof,  and may make reasonable rules governing their submission. Such rules shall contain a provision that in the event any insurer does not within sixty days furnish satisfactory evidence to the rating organization of the correction of any error or omission previously called to its attention by the rating organization,  it shall be the duty of the rating organization to notify the director thereof. All information so submitted shall be confidential.
B. Any rating organization may subscribe for or purchase actuarial,  technical or other services,  and such services shall be available to all members and subscribers without discrimination.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-365 - Cooperation in rate making

20-365.
Cooperation in rate making
Cooperation among rating organizations and among rating organizations and insurers in rate making and in other matters within the scope of this article is authorized,  if the filings resulting from such cooperation are subject to the provisions of this article. The director may review such cooperative activities and practices and if,  after a hearing,  he finds that any such activity or practice is unfair or unreasonable or otherwise inconsistent with the provisions of this article,  he may issue a written order specifying in what respects such activity or practice is unfair or unreasonable or otherwise inconsistent,  and requiring the discontinuance of such activity or practice.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-366 - Appeal by member or subscriber from action relating to filings

20-366.
Appeal by member or subscriber from action relating to filings
A. Any member of or subscriber to a rating organization may appeal to the director from the action or decision of the rating organization in approving or rejecting any proposed change in or addition to the filings of the rating organization,  and the director shall,  after a hearing held upon not less than ten days' written notice to the applicant and to the rating organization,  issue an order approving the action or decision of the rating organization or directing it to give further consideration to the proposal,  or if the appeal is from the action or decision of the rating organization in rejecting a proposed addition to its filings,  the director may,  in the event that he shall find that such action or decision was unreasonable,  issue an order directing the rating organization to make an addition to its filings,  on behalf of its members and subscribers,  in a manner consistent with the findings of the director,  within a reasonable time after the issuance of the order.
B. In the case of insurance to which this article applies,  if the appeal is based upon the failure of the rating organization to make a filing on behalf of such member or subscriber which is based on a system of expense provisions which differs from the system of expense provisions included in a filing made by the rating organization,  the director shall,  if he grants the appeal,  order the rating organization to make the requested filing for use by the applicant. In deciding the appeal the director shall apply the standards set forth in section 20-356.
C. In the case of title insurance,  if the appeal is from the action or decision of the rating organization with regard to a rate or a proposed change in or addition to its filings relating to the character and extent of coverage,  the director may,  in the event that he shall find that such action or decision was unreasonable,  issue an order directing the rating organization to proceed in a manner consistent with his findings,  within a reasonable time after the issuance of the order. The failure of a title insurance rating organization to take action or make a decision within thirty days after submission to it of a proposal under this article shall constitute a rejection of such proposal within the meaning of this section. If such appeal is based upon the failure of the rating organization to make a filing on behalf of such members or subscriber which is based on a system of expense allocation which differs from the system of expense allocation included in a filing made by the rating organization,  the director shall,  if he grants the appeal,  order the rating organization to make the requested filing for use by the applicant. In deciding such appeal,  the director shall apply the standards set forth in section 20-375.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-367 - Workers' compensation appeals board; composition

20-367.
Workers' compensation appeals board;  composition
A. A workers' compensation appeals board is established in the department.
B. The director shall appoint at least nine but not more than eleven members to the board. The members shall serve three-year terms. A member shall not serve more than two consecutive terms.
C. The board shall be comprised of at least:
1. The following voting members:
(a) Five representatives of insurers,  one of which is the insurer with the largest Arizona workers' compensation market share as reported by the department of insurance and financial institutions in its latest annual report. Any licensed rating organization that meets the requirements prescribed in section 20-363,  subsection E may nominate from its membership in this state one representative for each complete twenty percent share of the total statewide workers' compensation net written premium for the preceding calendar year attributable to its membership. The director shall appoint any remaining insurer representatives needed to constitute five members as ratably as possible based on distribution of the total statewide workers' compensation net written premium for the preceding calendar year.
(b) Four representatives of the public. At least two shall be representatives of employers and the remaining public members shall be persons who are knowledgeable about workers' compensation insurance.
2. One representative from any designated statistical agent who shall serve as a nonvoting advisory member.
D. The board members shall select a chairperson who shall call meetings as needed to consider requests made pursuant to section 20-367.01 or on request of the director.
E. The board shall submit to the director a plan of operation and all amendments that are necessary or suitable to ensure the fair,  reasonable and equitable administration of the appeals process. The plan of operation and all amendments are effective on approval by the director.
F. Subject to the powers of the director,  the board shall review appeals that are filed pursuant to section 20-367.01. The board may affirm the action of the rating organization or insurer or direct any rating organization or insurer to modify or reverse its application of the rating system that resulted in the appeal.
G. Members of the board are not eligible to receive compensation or travel expenses under title 38,  chapter 4,  article 2.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-367.01 - Appeals procedure

20-367.01.
Appeals procedure
A. Within a reasonable time after receiving a written request and on payment of a reasonable fee,  every rating organization and insurer shall give to any insured affected by a rate that is made or applied by the organization or insurer,  or to the insured's authorized representative,  all pertinent information related to the rate.
B. If a person is aggrieved by the application of a rating system,  the person may send a written request to the workers' compensation appeals board established by section 20-367 to review the manner in which the rating system has been applied to the insurance afforded the aggrieved person. The aggrieved person or that person's representative may present the grievance before the board. A representative of the rating organization whose rating system is the subject of the appeal shall attend any hearing before the board pursuant to this section to explain that application of the rating system to the aggrieved person.
C. If the board does not act on the aggrieved person's request for review within thirty days after receiving the request,  the aggrieved person may proceed as if the board had rejected the request for review.
D. The appellant shall pay the cost to record the board's proceedings.
E. The board shall mail a written notice of its decision to the aggrieved person. Within thirty days after the date the board mails the written notice of its decision,  the aggrieved person may appeal the action to the director. After a hearing held on at least ten days' written notice to the person and the rating organization or insurer,  the director shall affirm,  modify or reverse the board's decision. The person appealing the board's decision shall pay the costs of the transcript and record of the appeal to the director.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-368 - Advisory organizations

20-368.
Advisory organizations
A. Every group,  association or other organization of insurers,  whether located within or outside this state,  which assists insurers which make their own filings or rating organizations in rate making,  by the collection and furnishing of loss or expense statistics,  or by the submission of recommendations,  but which does not make filings under this article,  shall be known as an advisory organization.
B. Every advisory organization shall file with the director:
1. A copy of its constitution,  its articles of agreement or association or its certificate of incorporation and a copy of its bylaws,  rules and regulations governing its activities.
2. A list of its members.
3. The name and address of a resident of this state upon whom notices or orders of the director or process affecting the advisory organization may be served.
4. An agreement that the director may examine the advisory organization in accordance with the provisions of section 20-370.
C. If,  after a hearing,  the director finds that the furnishing of such information or assistance involves any act or practice which is unfair or unreasonable or otherwise inconsistent with the provisions of this article,  he may issue a written order specifying in what respects such act or practice is unfair or unreasonable or otherwise inconsistent,  and requiring the discontinuance of such act or practice.
D. No insurer which makes its own filings nor any rating organization shall support its filings by statistics or adopt rate making recommendations furnished to it by an advisory organization which has not complied with this section or with an order of the director involving such statistics or recommendations issued under subsection C of this section. If the director finds the insurer or rating organization to be in violation of this subsection,  he may issue an order requiring the discontinuance of the violation.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-369 - Joint underwriting or joint reinsurance

20-369.
Joint underwriting or joint reinsurance
A. Every group,  association or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect thereto as provided by this article,  subject,  however,  with respect to joint underwriting,  to all other provisions of this article,  and with respect to joint reinsurance,  to the provisions of sections 20-370 and 20-374.
B. If,  after a hearing the director finds that any activity or practice of any such group,  association or other organization is unfair or unreasonable or otherwise inconsistent with the provisions of this article,  he may issue a written order specifying in what respects the activity or practice is unfair or unreasonable or otherwise inconsistent and requiring the discontinuance of the activity or practice.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-370 - Examinations of rating organizations

20-370.
Examinations of rating organizations
A. The director,  as often as he deems it expedient,  may make or cause to be made an examination of each rating organization licensed in this state,  each advisory organization referred to in section 20-368 and each group,  association or other organization referred to in section 20-369. The reasonable costs of such examination shall be paid by the rating organization,  advisory organization or group,  association or other organization examined upon presentation to it of a detailed account of the cost.
B. The officers,  managers,  agents and employees of the rating organization,  advisory organization or group,  association or other organization may be examined at any time under oath,  and shall exhibit all books,  records,  accounts,  documents or agreements governing its method of operation.
C. The director shall furnish two copies of the examination report to the organization,  group or association examined and shall notify the organization,  group or association that,  within twenty days thereafter,  it may request a hearing on the report or on any facts or recommendations in the report. Before filing the report for public inspection,  the director shall grant a hearing to the organization,  group or association examined.
D. The report of the examination,  when filed for public inspection,  shall be admissible in evidence in any action or proceeding brought by the director against the organization,  group or association examined,  or its officers or agents,  and shall be prima facie evidence of the facts stated in the report.
E. The director may withhold the report of the examination from public inspection for such time as the director deems proper.
F. In lieu of the examination,  the director may accept the report of an examination made by the insurance supervisory official of another state,  pursuant to the laws of such state.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-372 - Disclosure of information relating to rates

20-372.
Disclosure of information relating to rates
No person or organization shall wilfully withhold information from,  or knowingly give false or misleading information to,  the director,  any statistical agency designated by the director,  any rating organization or any insurer,  which will affect the rates or premiums chargeable under this article.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-374 - Revocation and suspension of licenses

20-374.
Revocation and suspension of licenses
The director may suspend the license of any rating organization or the certificate of authority of any insurer which fails to comply with an order of the director made pursuant to this article within the time limited by the order,  or any extension thereof which may be granted by the director. The director shall not suspend the license of any rating organization or the certificate of authority of any insurer for failure to comply with an order until the time prescribed for a review thereof has expired,  or if a review has been sought,  until the order has been affirmed. The director may determine when a suspension of license or certificate shall become effective,  and it shall remain in effect for the period fixed by him,  unless he modifies or rescinds the suspension,  or until the order upon which suspension is based is modified,  rescinded or reversed. No license or certificate shall be suspended or revoked except upon the written order of the director stating his findings,  made after a hearing held upon not less than ten days written notice to such person or organization,  specifying the alleged violation.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-375 - Making of title insurance rates

20-375.
Making of title insurance rates
A. Every title insurer that shall make its own rates,  and every title insurance rating organization,  shall make rates that are not excessive nor inadequate for the safety and soundness of any title insurer,  that do not unfairly discriminate between risks in this state which involve essentially the same exposure to loss and expense elements,  and that give due consideration to all of the following matters:
1. The desirability for stability of rate structures.
2. The necessity,  by encouraging growth in assets of title insurers in periods of high business activity,  of assuring the financial solvency of title insurers in periods of economic depression.
3. The necessity for paying dividends on the capital stock of title insurers sufficient to induce capital to be invested therein.
B. Every title insurer that shall make its own rates,  and every title insurance rating organization,  shall adopt basic classifications of policies or contracts of title insurance which shall be used as the basis for rates.
C. Rates within each rate classification may,  at the discretion of the title insurer which files its own rates,  or at the discretion of the title insurance rating organization,  be less than the cost of the expense elements in the case of smaller insurance policies or contracts,  and the excess may be charged against the larger insurance policies or contracts without rendering the rates unfairly discriminatory.
D. There shall be no combined rate for the issuance of title insurance policies and escrow services rendered in connection with such insurance.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-376 - Filing of title insurance rates; approval or disapproval

20-376.
Filing of title insurance rates;  approval or disapproval
A. Every title insurer shall file with the director its schedules of fees,  every manual of classifications,  rules and plans pertaining thereto,  and every modification of any of the foregoing that it proposes to use concerning its title insurance forms and products in this state. Every filing shall include a proposed effective date and shall indicate the character and extent of the coverage or service contemplated.
B. A title insurer may satisfy its obligations to make filings by becoming a member of,  or a subscriber to,  a licensed title insurance rating organization that makes filings,  and by authorizing the director to accept the rating organization's filings on its behalf. The filings may,  at the option of the insurer,  govern all of its or certain designated agents in this state. The insurer may also elect to permit all or certain of its agents to make rate filings directly or to subscribe to a licensed title insurance rating organization that makes filings.
C. The director shall review the filings as necessary to carry out the provisions of this article.
D. Subject to the provisions of subsection F of this section,  each filing shall be on file for a period of at least thirty days before it becomes effective. The director may,  on written notice given within the thirty day waiting period to the person making the filing,  extend the waiting period for up to fifteen additional days,  to enable the director to complete the review of the filing. The director may grant further extensions of the waiting period only with the consent of the person making the filing. On written application by the person making the filing,  the director may authorize all or part of a filing that has been reviewed to become effective before the expiration of the waiting period or any extension of the waiting period.
E. Except in the case of rates filed under subsection F,  a filing that has become effective shall be deemed to meet the requirements of this article.
F. When the director finds that any rate for a particular kind or class of risk cannot practicably be filed before it is used,  or that any contract or kind of title insurance,  by reason of rarity or peculiar circumstances,  does not lend itself to advance determination and filing of rates,  the director may permit the rate to be used without a previous filing and waiting period.
G. The director shall not have the power to regulate,  or require the filing of,  rates or fees for reinsurance policies,  contracts or agreements,  for policies,  contracts or agreements of excess coinsurance or for account servicing and subdivision trust services.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-377 - Justification for title insurance rates

20-377.
Justification for title insurance rates
A. A title insurance filing shall be accompanied by a statement of the title insurer,  title insurance agent,  or title insurance rating organization making the filing,  setting forth the basis upon which the rate was fixed,  and the manner in which fees are to be computed. Any filing may be justified by:
1. The experience or judgment of the title insurer,  title insurance agent,  or title insurance rating organization making the filing.
2. Its interpretation of any statistical data relied upon.
3. The experience of other title insurers,  title insurance agents,  or title insurance rating organizations.
4. Any other factors which the title insurer,  title insurance agent,  or title insurance rating organization deems relevant.
B. The statement and justification shall be open to public inspection after the rate to which they apply becomes effective.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-378 - Disapproval of title insurance filings

20-378.
Disapproval of title insurance filings
A. Before issuing an order of disapproval of a title insurance filing,  the director shall hold a hearing upon not less than ten days' written notice,  specifying in reasonable detail the matters to be considered at such hearing. Such notice shall be sent to every title insurer,  title insurance agent and title insurance rating organization which made such filing. If,  after such hearing,  the director finds that such filing or a part thereof does not meet the requirements of this article,  he shall issue an order specifying in what respects he finds that it so fails,  and stating when,  within a reasonable period thereafter,  such filing or a part thereof shall be deemed no longer effective if the filing or a part thereof has become effective under the provisions of section 20-376. A title insurer,  title insurance agent or title insurance rating organization shall have the right at any time to withdraw a filing or a part thereof. Copies of every such order shall be sent to every title insurer,  title insurance agent and title insurance rating organization affected. Such an order shall not affect any contract or preliminary report,  commitment,  binder or title insurance policy made or issued prior to the expiration of the period set forth therein.
B. Any person or organization aggrieved with respect to any filing which is in effect may make written application to the director for a hearing thereon,  but the title insurer,  title insurance agent or title insurance rating organization which made the filing shall not be authorized to proceed under this subsection. Such an application shall specify in reasonable detail the grounds to be relied upon by the applicant. If the director finds that the application is made in good faith,  that the applicant would be so aggrieved if his grounds are established,  and that such grounds otherwise justify holding such a hearing,  he shall,  within thirty days after receipt of such application,  hold a hearing upon not less than ten days' written notice to the applicant and to every title insurer,  title insurance agent and title insurance rating organization which made such a filing. If,  after such hearing,  the director finds that the filing or a part thereof does not meet the requirements of this article,  he shall issue an order specifying in what respects he finds that such filing or a part thereof fails to meet the requirements of this article and stating when within a reasonable period thereafter such filing or a part thereof shall be deemed no longer effective. Copies of such an order shall be sent to the applicant and to every such title insurer,  title insurance agent and title insurance rating organization that made the filing. Such an order shall not affect any contract or policy made or issued prior to the expiration of the period set forth therein.
C. No filing nor any modification thereof shall be disapproved if the rates in connection therewith meet the requirements of this article.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-379 - Deviations in title insurance rates

20-379.
Deviations in title insurance rates
A. No title insurer or title insurance agent may deviate from its rates that are in effect for the title insurer or title insurance agent pursuant to section 20-376.
B. If the director finds that a title insurer or title insurance agent has charged rates that deviate from its rates filed pursuant to section 20-376,  the title insurer or title insurance agent who computed and initially collected the deviation is subject to a civil penalty for each deviation that is equal to the difference between the rate charged and the allowable rate pursuant to section 20-376. To the extent that the deviation results in an overcharge,  the director in lieu of a civil penalty may require a refund of the overcharge.
C. If after a hearing the director finds that a title insurer or title insurance agent with such frequency as to indicate a general business practice violated the provisions of this section and section 20-376 with respect to a particular provision of the applicable title insurance rate,  the director,  in addition to the civil penalty imposed under subsection B of this section,  may:
1. For each violation,  impose an additional civil penalty of not more than two times the civil penalty imposed under subsection B of this section.
2. Order the title insurance agent to cease and desist from the act or practice.
3. Revoke the title insurance agent's license or suspend the title insurer's certificate of authority.
D. The civil penalties that are imposed under subsections B and C of this section may not in the aggregate exceed fifteen thousand dollars during any one year period for an individual title insurer or title insurance agent licensed pursuant to this title.