reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.080 - Health care provider—Requirement to provide certain information on website or upon consumer request—Requirement to submit network status information to carriers.

RCW 48.49.080
Health care provider—Requirement to provide certain information on website or upon consumer request—Requirement to submit network status information to carriers.
(1)(a) A health care provider must provide the following information on its website, if one is available:
(i) The listing of the carrier health plan provider networks with which the provider contracts, based upon the information provided by the carrier pursuant to RCW 48.43.730(7); and
(ii) The notice of consumer rights developed under RCW 48.49.060.
(b) If the health care provider does not maintain a website, this information must be provided to consumers upon an oral or written request.
(2) Posting or otherwise providing the information required in this section does not relieve a provider of its obligation to comply with the provisions of this chapter.
(3) An in-network provider must submit accurate information to a carrier regarding the provider's network status in a timely manner, consistent with the terms of the contract between the provider and the carrier.
[ 2019 c 427 § 12.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.090 - Carrier—Requirement to update website and provider directory—Requirement to provide enrollee with certain information.

RCW 48.49.090
Carrier—Requirement to update website and provider directory—Requirement to provide enrollee with certain information.
(1) A carrier must update its website and provider directory no later than thirty days after the addition or termination of a facility or provider.
(2) A carrier must provide an enrollee with:
(a) A clear description of the health plan's out-of-network health benefits;
(b) The notice of consumer rights developed under RCW 48.49.060;
(c) Notification that if the enrollee receives services from an out-of-network provider, facility, or behavioral health emergency services provider, under circumstances other than those described in RCW 48.49.020, the enrollee will have the financial responsibility applicable to services provided outside the health plan's network in excess of applicable cost-sharing amounts and that the enrollee may be responsible for any costs in excess of those allowed by the health plan;
(d) Information on how to use the carrier's member transparency tools under RCW 48.43.007;
(e) Upon request, information regarding whether a health care provider is in-network or out-of-network, and whether there are in-network providers available to provide emergency medicine, anesthesiology, pathology, radiology, neonatology, surgery, hospitalist, intensivist[,] and diagnostic services, including radiology and laboratory services at specified in-network hospitals or ambulatory surgical facilities; and
(f) Upon request, an estimated range of the out-of-pocket costs for an out-of-network benefit.
[ 2022 c 263 § 15; 2019 c 427 § 13.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.100 - Pattern of unresolved violations—Enforcement action by department of health or appropriate disciplining authority.

RCW 48.49.100
Pattern of unresolved violations—Enforcement action by department of health or appropriate disciplining authority.
(1) If the commissioner has cause to believe that any health care provider, hospital, ambulatory surgical facility, or behavioral health emergency services provider, has engaged in a pattern of unresolved violations of RCW 48.49.020 or 48.49.030, the commissioner may submit information to the department of health or the appropriate disciplining authority for action. Prior to submitting information to the department of health or the appropriate disciplining authority, the commissioner may provide the health care provider, hospital, ambulatory surgical facility, or behavioral health emergency services provider, with an opportunity to cure the alleged violations or explain why the actions in question did not violate RCW 48.49.020 or 48.49.030.
(2) If any health care provider, hospital, ambulatory surgical facility, or behavioral health emergency services provider, has engaged in a pattern of unresolved violations of RCW 48.49.020 or 48.49.030, the department of health or the appropriate disciplining authority may levy a fine or cost recovery upon the health care provider, hospital, ambulatory surgical facility, or behavioral health emergency services provider in an amount not to exceed the applicable statutory amount per violation and take other action as permitted under the authority of the department or disciplining authority. Upon completion of its review of any potential violation submitted by the commissioner or initiated directly by an enrollee, the department of health or the disciplining authority shall notify the commissioner of the results of the review, including whether the violation was substantiated and any enforcement action taken as a result of a finding of a substantiated violation.
(3) If a carrier has engaged in a pattern of unresolved violations of any provision of this chapter, the commissioner may levy a fine or apply remedies authorized under this chapter, chapter 48.02 RCW, RCW 48.44.166, 48.46.135, or 48.05.185.
(4) For purposes of this section, "disciplining authority" means the agency, board, or commission having the authority to take disciplinary action against a holder of, or applicant for, a professional or business license upon a finding of a violation of chapter 18.130 RCW or a chapter specified under RCW 18.130.040.
[ 2022 c 263 § 16; 2019 c 427 § 14.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.110 - Rule-making authority.

RCW 48.49.110
Rule-making authority.
(1) The commissioner may adopt rules to implement and administer this chapter, including rules governing the dispute resolution process established in RCW 48.49.040.
(2) The commissioner may adopt rules to adopt or incorporate by reference without material change federal regulations adopted on or after March 31, 2022, that implement P.L. 116-260 (enacted December 27, 2020).
[ 2022 c 263 § 20; 2019 c 427 § 15.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.120 - No application of chapter to health plans under chapter 74.09 RCW.

RCW 48.49.120
No application of chapter to health plans under chapter 74.09 RCW.
This chapter does not apply to health plans that provide benefits under chapter 74.09 RCW.
[ 2019 c 427 § 22.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.130 - Application of chapter to self-funded group health plans that elect to participate in balance billing protection provisions—Annual notice to commissioner.

RCW 48.49.130
Application of chapter to self-funded group health plans that elect to participate in balance billing protection provisions—Annual notice to commissioner.
As authorized in 45 C.F.R. Sec. 149.30 as in effect on March 31, 2022, the provisions of this chapter apply to a self-funded group health plan whether governed by or exempt from the provisions of the federal employee retirement income security act of 1974 (29 U.S.C. Sec. 1001 et seq.) only if the self-funded group health plan elects to participate in the provisions of RCW 48.49.020 and 48.49.030, 48.49.160, and 48.49.040. To elect to participate in these provisions, the self-funded group health plan shall provide notice, on an annual basis, to the commissioner in a manner prescribed by the commissioner, attesting to the plan's participation and agreeing to be bound by RCW 48.49.020 and 48.49.030, 48.49.160, and 48.49.040. An entity administering a self-funded health benefits plan that elects to participate under this section, shall comply with the provisions of RCW 48.49.020 and 48.49.030, 48.49.160, and 48.49.040.
[ 2022 c 263 § 17; 2019 c 427 § 23.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.140 - Liberal construction of chapter to promote public interest.

RCW 48.49.140
Liberal construction of chapter to promote public interest.
This chapter must be liberally construed to promote the public interest by ensuring that consumers are not billed out-of-network charges and do not receive additional bills from providers under the circumstances described in RCW 48.49.020.
[ 2019 c 427 § 24.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.170 - Application of state and federal requirements—Applicability information access—Waivers prohibited.

RCW 48.49.170
Application of state and federal requirements—Applicability information access—Waivers prohibited.
(1) Carriers must make available through electronic and other methods of communication generally used by a provider or facility to verify enrollee eligibility and benefits information regarding whether an enrollee's health plan is subject to the requirements of this chapter or section 2799A-1 et seq. of the public health service act (42 U.S.C. Sec. 300gg-111 et seq.) and implementing federal regulations in effect on March 31, 2022.
(2) A health care provider, health care facility, behavioral health emergency services provider, or air ambulance service provider may not request or require a patient at any time, for any procedure, service, or supply, to sign or otherwise execute by oral, written, or electronic means, any document that would attempt to avoid, waive, or alter any provision of RCW 48.49.020 and 48.49.030 or sections 2799A-1 et seq. of the public health service act (P.L. 116-260) and implementing federal regulations in effect on March 31, 2022.
(3) This section shall only apply to health care providers, facilities, or behavioral health emergency services providers providing services to members of entities administering a self-funded group health plan and its plan members if the entity has elected to participate in RCW 48.49.020, 48.49.030, 48.49.160, and 48.49.040 as provided in RCW 48.49.130.
[ 2022 c 263 § 10.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.180 - Commissioner authority—Enforcement—Penalties.

RCW 48.49.180
Commissioner authority—Enforcement—Penalties.
The commissioner is authorized to enforce provisions of P.L. 116-260 (enacted December 27, 2020, as the consolidated appropriations act of 2021) that are applicable to or regulate the conduct of carriers issuing health plans or grandfathered health plans to residents of Washington state on or after January 1, 2022. In addition to the enforcement actions authorized under RCW 48.02.080, the commissioner may impose a civil monetary penalty in an amount not to exceed $100 for each day for each individual with respect to which a failure to comply with these provisions occurs.
[ 2022 c 263 § 19.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.190 - Reports to legislature.

RCW 48.49.190
Reports to legislature.
(1) On or before October 1, 2023, the commissioner, in collaboration with the health care authority and the department of health, must submit a report and any recommendations to the appropriate policy and fiscal committees of the legislature as to how balance billing for ground ambulance services can be prevented and whether ground ambulance services should be subject to the balance billing restrictions of this chapter. In developing the report and any recommendations, the commissioner must:
(a) Consider any recommendations made to congress by the advisory committee established in section 117 of P.L. 116-260 to review options to improve the disclosure of charges and fees for ground ambulance services, better inform consumers of insurance options for such services, and protect consumers from balance billing; and
(b) Consult with the department of health, the health care authority, the state auditor, consumers, hospitals, carriers, private ground ambulance service providers, fire service agencies, and local governmental entities that operate ground ambulance services, and include their perspectives in the final report.
(2) For purposes of this section, "ground ambulance services" means organizations licensed by the department of health that operate one or more ground vehicles designed and used to transport the ill and injured and to provide personnel, facilities, and equipment to treat patients before and during transportation.
[ 2022 c 263 § 21.]
NOTES:
Effective date—2022 c 263: See note following RCW 43.371.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.49 - Balance Billing Protection Act. › 48.49.900 - Effective date—2019 c 427.

RCW 48.49.900
Effective date—2019 c 427.
Except for section 26 of this act, this act takes effect January 1, 2020.
[ 2019 c 427 § 31.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.010 - Short title.

RCW 48.50.010
Short title.
This chapter shall be known and may be cited as the Insurance Fraud Reporting Immunity Act.
[ 1995 c 285 § 20; 1979 ex.s. c 80 § 1.]
NOTES:
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.020 - Definitions.

RCW 48.50.020
Definitions.
As used in this chapter the following terms have the meanings indicated unless the context clearly requires otherwise.
(1) "Authorized agency" means a public agency or its official representative having legal authority to investigate criminal activity or the cause of a fire or to initiate criminal proceedings, including the following persons and agencies:
(a) The chief of the Washington state patrol and the director of fire protection;
(b) The prosecuting attorney of the county where the criminal activity occurred;
(c) State, county, and local law enforcement agencies;
(d) The state attorney general;
(e) The federal bureau of investigation, or any other federal law enforcement agency;
(f) The United States attorney's office; and
(g) The office of the insurance commissioner.
(2) "Insurer" means any insurer, as defined in RCW 48.01.050 and any self-insurer.
(3) "Relevant information" means information having any tendency to make the existence of any fact that is of consequence to the investigation or determination of criminal activity or the cause of any fire more probable or less probable than it would be without the information.
[ 2000 c 254 § 1. Prior: 1995 c 369 § 36; 1995 c 285 § 21; 1986 c 266 § 77; 1985 c 470 § 27; 1979 ex.s. c 80 § 2.]
NOTES:
Effective date—1995 c 369: See note following RCW 43.43.930.
Effective date—1995 c 285: See RCW 48.30A.900.
Severability—1986 c 266: See note following RCW 38.52.005.
Severability—Effective date—1985 c 470: See notes following RCW 43.44.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.030 - Release of information or evidence by insurer.

RCW 48.50.030
Release of information or evidence by insurer.
(1) Any authorized agency may request, in writing, that an insurer release to the agency any or all relevant information or evidence which the insurer may have in its possession relating to criminal activity, if such information or evidence is deemed important by the agency in its discretion.
(2) An insurer who has reason to believe that a person participated or is participating in criminal activity relating to a contract of insurance may report relevant information to an authorized agency.
(3) The information provided to an authorized agency under this section may include, without limitation:
(a) Pertinent insurance policy information relating to a claim under investigation and any application for such a policy;
(b) Policy premium payment records which are available;
(c) History of previous claims in which the person was involved; and
(d) Material relating to the investigation of the loss, including statements of any person, proof of loss, and any other evidence found in the investigation.
(4) The insurer receiving a request under subsection (1) of this section shall furnish all relevant information requested to the agency within a reasonable time, orally or in writing.
[ 1995 c 285 § 22; 1979 ex.s. c 80 § 3.]
NOTES:
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.040 - Notification by insurer.

RCW 48.50.040
Notification by insurer.
(1) When an insurer has reason to believe that a fire loss reported to the insurer may be of other than accidental cause, the insurer shall notify the chief of the Washington state patrol, through the director of fire protection, in the manner prescribed under RCW 48.05.320 concerning the circumstances of the fire loss, including any and all relevant material developed from the insurer's inquiry into the fire loss.
(2) Notification of the chief of the Washington state patrol, through the director of fire protection, under subsection (1) of this section does not relieve the insurer of the duty to respond to a request for information from any other authorized agency and does not bar an insurer from other reporting under RCW 48.50.030(2).
[ 2000 c 254 § 2. Prior: 1995 c 369 § 37; 1995 c 285 § 23; 1986 c 266 § 91; 1979 ex.s. c 80 § 4.]
NOTES:
Effective date—1995 c 369: See note following RCW 43.43.930.
Effective date—1995 c 285: See RCW 48.30A.900.
Severability—1986 c 266: See note following RCW 38.52.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.050 - Release of information by authorized agencies.

RCW 48.50.050
Release of information by authorized agencies.
An authorized agency receiving information under RCW 48.50.030, 48.50.040, or 48.50.055 may release or provide such information to any other authorized agencies.
[ 2000 c 254 § 3; 1979 ex.s. c 80 § 5.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.055 - Release of information to requesting insurer.

RCW 48.50.055
Release of information to requesting insurer.
An insurer providing information to an authorized agency or agencies under RCW 48.50.030 or 48.50.040 may request that an authorized agency furnish to the insurer any or all relevant information possessed by the agency relating to the particular fire loss. At their discretion, and unless prohibited by any other provision of law, the agency or agencies may release or provide information to the requesting insurer.
[ 2000 c 254 § 4.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.070 - Immunity from liability for releasing information.

RCW 48.50.070
Immunity from liability for releasing information.
Any licensed insurance producer, title insurance agent, or insurer or person acting in the insurer's behalf, health maintenance organization or person acting in behalf of the health maintenance organization, health care service contractor or person acting in behalf of the health care service contractor, or any authorized agency which releases information, whether oral or written, to the commissioner, the national insurance crime bureau, the national association of insurance commissioners, other law enforcement agent or agency, or another insurer under RCW 48.50.030, 48.50.040, 48.50.050, 48.50.055, or 48.135.050 is immune from liability in any civil or criminal action, suit, or prosecution arising from the release of the information, unless actual malice on the part of the insurance producer, title insurance agent, insurer, health care maintenance organization, health care service contractor, or authorized agency against the insured is shown.
[ 2008 c 217 § 59; 2006 c 284 § 14; 2000 c 254 § 5; 1980 c 102 § 9; 1979 ex.s. c 80 § 7.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
Effective date—2006 c 284: See RCW 48.135.901.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.075 - Immunity from liability for denying claim based on written opinion of authorized agency.

RCW 48.50.075
Immunity from liability for denying claim based on written opinion of authorized agency.
In denying a claim, an insurer, health maintenance organization, or health care service contractor who relies upon a written opinion from an authorized agency specifically enumerated in RCW 48.50.020(1) (a) through (g) that criminal activity that is related to that claim is being investigated, or a crime has been charged, and that the claimant is a target of the investigation or has been charged with a crime, is not liable for bad faith or other noncontractual theory of damages as a result of this reliance.
Immunity under this section shall exist only so long as the incident for which the claimant may be responsible is under active investigation or prosecution, or the authorized agency states its position that the claim includes or is a result of criminal activity in which the claimant was a participant.
[ 2006 c 284 § 15; 1995 c 285 § 24; 1981 c 320 § 2.]
NOTES:
Effective date—2006 c 284: See RCW 48.135.901.
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.50 - Insurance Fraud Reporting Immunity Act. › 48.50.090 - Local ordinances not preempted.

RCW 48.50.090
Local ordinances not preempted.
This chapter does not preempt or preclude any county or municipality from enacting ordinances relating to fire prevention or control of arson.
[ 1979 ex.s. c 80 § 9.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.53 - Fire Insurance—Arson Fraud Reduction. › 48.53.010 - Purpose.

RCW 48.53.010
Purpose.
It is the purpose of this chapter to reduce the incidence of arson fraud by requiring insurers to obtain specified information prior to issuing a fire insurance policy for certain structures and by authorizing insurers to cancel fire insurance policies when characteristics frequently associated with arson fraud are present.
[ 1982 c 110 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.53 - Fire Insurance—Arson Fraud Reduction. › 48.53.030 - Cancellation of policy—Conditions required for.

RCW 48.53.030
Cancellation of policy—Conditions required for.
Notwithstanding the provisions of RCW 48.18.290, where two or more of the following conditions exist, an insurer may, under RCW 48.53.040, cancel a fire insurance policy for any structure:
(1) Which, without reasonable explanation, is unoccupied for more than sixty consecutive days, or in which at least sixty-five percent of the rental units are unoccupied for more than one hundred twenty consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair;
(2) On which, without reasonable explanation, progress toward completion of permanent repairs has not occurred within sixty days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire;
(3) Which, because of its physical condition, is in danger of collapse;
(4) For which, because of its physical condition, a vacation or demolition order has been issued, or which has been declared unsafe in accordance with applicable law;
(5) From which fixed and salvageable items have been removed, indicating an intent to vacate the structure;
(6) For which, without reasonable explanation, heat, water, sewer, and electricity are not furnished for sixty consecutive days; and
(7) Which is not maintained in substantial compliance with fire, safety, and building codes.
[ 1982 c 110 § 3.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.53 - Fire Insurance—Arson Fraud Reduction. › 48.53.040 - Cancellation of policy—Procedure.

RCW 48.53.040
Cancellation of policy—Procedure.
An insurer may cancel a fire insurance policy when the requirements of RCW 48.53.030 are met only in accordance with the following procedure:
(1) The insurer shall, not less than five days prior to cancellation, issue written notice of cancellation to the insured or the insured's representative in charge of the policy. The notice shall contain at least the following:
(a) The date that the policy will be canceled;
(b) A description of the specific facts justifying the cancellation;
(c) A copy of this chapter; and
(d) The name, title, address, and telephone number of the insurer's employee who may be contacted regarding cancellation of the policy.
(2) The notice required by this section shall be actually delivered or mailed to the insured by certified mail, return receipt requested, and in addition by first-class mail. A copy of the notice shall, at the time of delivery or mailing to the insured, or the insured's representative in charge of the policy, be mailed to the insurance commissioner.
(3) The insurer shall also comply with the requirements of *RCW 48.18.290 (1)(b), (2) and (3), and shall provide not less than twenty days notice of cancellation to each mortgagee, pledgee, or other person shown by the policy to have an interest in any loss which may occur thereunder except as provided in subsection (1) of this section.
(4) The portion of any premium paid to the insurer on account of the policy, unearned because of the cancellation and in an amount as computed on a pro rata basis, must be actually paid or mailed to the insured or other person entitled thereto as shown by the policy or any endorsement thereon, as soon as possible, and no later than thirty days after the date that the notice of cancellation was issued.
[ 1982 c 110 § 4.]
NOTES:
*Reviser's note: RCW 48.18.290 was amended by 2006 c 8 § 212, changing subsection (1)(b) to subsection (1)(e).
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.53 - Fire Insurance—Arson Fraud Reduction. › 48.53.050 - Issuance or cancellation of policy in violation of chapter.

RCW 48.53.050
Issuance or cancellation of policy in violation of chapter.
(1) Any fire insurance policy issued in violation of this chapter shall not be canceled by the insurer under the procedures authorized by this chapter.
(2) Cancellation of a fire insurance policy in violation of this chapter shall constitute a violation of this title.
[ 1982 c 110 § 5.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.53 - Fire Insurance—Arson Fraud Reduction. › 48.53.060 - Adoption of rules.

RCW 48.53.060
Adoption of rules.
Rules designating geographic areas or classes of occupancy as having an abnormally high incidence of arson, and any other rules necessary to implement this chapter shall be adopted by the chief of the Washington state patrol, through the director of fire protection, under chapter 34.05 RCW.
[ 1995 c 369 § 39; 1986 c 266 § 93; 1982 c 110 § 6.]
NOTES:
Effective date—1995 c 369: See note following RCW 43.43.930.
Severability—1986 c 266: See note following RCW 38.52.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.020 - Definitions.

RCW 48.56.020
Definitions.
As used in this chapter:
(1) "Insurance premium finance company" means a person engaged in the business of entering into insurance premium finance agreements.
(2) "Premium finance agreement" means an agreement by which an insured or prospective insured promises to pay to a premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance producer in payment of premiums on an insurance contract together with a service charge as authorized and limited by this chapter and as security therefor the insurance premium finance company receives an assignment of the unearned premium.
(3) "Licensee" means a premium finance company holding a license issued by the insurance commissioner under this chapter.
[ 2008 c 217 § 60; 1969 ex.s. c 190 § 2.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.040 - Investigation of applicant—Qualifications—Hearing.

RCW 48.56.040
Investigation of applicant—Qualifications—Hearing.
(1) Upon the filing of an application and the payment of the license fee the commissioner shall make an investigation of each applicant and shall issue a license if the applicant is qualified in accordance with this chapter. If the commissioner does not so find, he or she shall, within thirty days after he or she has received such application, at the request of the applicant, give the applicant a full hearing.
(2) The commissioner shall issue or renew a license as may be applied for when he or she is satisfied that the person to be licensed—
(a) is competent and trustworthy and intends to act in good faith in the capacity involved by the license applied for,
(b) has a good business reputation and has had experience, training, or education so as to be qualified in the business for which the license is applied for, and
(c) if a corporation, is a corporation incorporated under the laws of the state or a foreign corporation authorized to transact business in the state.
[ 2009 c 549 § 7155; 1969 ex.s. c 190 § 4.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.050 - Revocation, suspension, or refusal to renew.

RCW 48.56.050
Revocation, suspension, or refusal to renew.
(1) The commissioner may revoke or suspend the license of any premium finance company when and if after investigation it appears to the commissioner that—
(a) any license issued to such company was obtained by fraud,
(b) there was any misrepresentation in the application for the license,
(c) the holder of such license has otherwise shown himself or herself untrustworthy or incompetent to act as a premium finance company, or
(d) such company has violated any of the provisions of this chapter.
(2) Before the commissioner shall revoke, suspend, or refuse to renew the license of any premium finance company, he or she shall give to such person an opportunity to be fully heard and to introduce evidence in his or her behalf. In lieu of revoking or suspending the license for any of the causes enumerated in this section, after hearing as herein provided, the commissioner may subject such company to a penalty of not more than two hundred dollars for each offense when in his or her judgment he or she finds that the public interest would not be harmed by the continued operation of such company. The amount of any such penalty shall be paid by such company through the office of the commissioner to the state treasurer. At any hearing provided by this section, the commissioner shall have authority to administer oaths to witnesses. Anyone testifying falsely, after having been administered such oath, shall be subject to the penalty of perjury.
(3) If the commissioner refuses to issue or renew any license or if any applicant or licensee is aggrieved by any action of the commissioner, said applicant or licensee shall have the right to a hearing and court proceeding as provided by statute.
[ 2009 c 549 § 7156; 1969 ex.s. c 190 § 5.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.060 - Records.

RCW 48.56.060
Records.
(1) Every licensee shall maintain records of its premium finance transactions and the said records shall be open to examination and investigation by the commissioner. The commissioner may at any time require any licensee to bring such records as he or she may direct to the commissioner's office for examination.
(2) Every licensee shall preserve its records of such premium finance transactions, including cards used in a card system, for at least three years after making the final entry in respect to any premium finance agreement. The preservation of records in photographic form shall constitute compliance with this requirement.
[ 2009 c 549 § 7157; 1969 ex.s. c 190 § 6.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.070 - Rules and regulations.

RCW 48.56.070
Rules and regulations.
The commissioner shall have authority to make and enforce such reasonable rules and regulations as may be necessary in making effective the provisions of this chapter, but such rules and regulations shall not be contrary to nor inconsistent with the provisions of this chapter.
[ 1969 ex.s. c 190 § 7.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.080 - Premium finance agreement.

RCW 48.56.080
Premium finance agreement.
(1) A premium finance agreement shall:
(a) Be dated, signed by or on behalf of the insured, and the printed portion thereof shall be in at least eight point type;
(b) Contain the name and place of business of the insurance producer negotiating the related insurance contract, the name and residence or the place of business of the premium finance company to which payments are to be made, a description of the insurance contracts involved and the amount of the premium therefor; and
(c) Set forth the following items where applicable:
(i) The total amount of the premiums;
(ii) The amount of the down payment;
(iii) The principal balance (the difference between items (i) and (ii));
(iv) The amount of the service charge;
(v) The balance payable by the insured (sum of items (iii) and (iv)); and
(vi) The number of installments required, the amount of each installment expressed in dollars, and the due date or period thereof.
(2) The items set out in subsection (1)(c) of this section need not be stated in the sequence or order in which they appear in that subsection, and additional items may be included to explain the computations made in determining the amount to be paid by the insured.
(3) The information required by subsection (1) of this section shall only be required in the initial agreement where the premium finance company and the insured enter into an open end credit transaction, which is defined as follows: A plan prescribing the terms of credit transactions which may be made thereunder from time to time and under the terms of which a finance charge may be computed on the outstanding unpaid balance from time to time thereunder.
(4) A copy of the premium finance agreement shall be given to the insured at the time or within ten days of its execution, except where the application has been signed by the insured and all the finance charges are one dollar or less per payment. In addition, the premium finance company shall deliver or mail a copy of the premium finance agreement or notice identifying policy, insured, and insurance producer to each insurer that has premiums involved in the transaction, within thirty days of the execution of the premium finance agreement.
(5) It shall be illegal for a premium finance company to offset funds of an insurance producer with funds belonging to an insured. Premiums advanced by a premium finance company are funds belonging to the insured and shall be held in a fiduciary relationship.
[ 2008 c 217 § 61; 1975-'76 2nd ex.s. c 119 § 6; 1969 ex.s. c 190 § 8.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.090 - Service charge.

RCW 48.56.090
Service charge.
(1) A premium finance company shall not charge, contract for, receive, or collect a service charge other than as permitted by this chapter.
(2) The service charge is to be computed on the balance of the premiums due (after subtracting the down payment made by the insured in accordance with the premium finance agreement) from the effective date of the insurance coverage, for which the premiums are being advanced, to and including the date when the final installment of the premium finance agreement is payable.
(3) The service charge shall be a maximum of ten dollars per one hundred dollars per year plus an acquisition charge of ten dollars per premium finance agreement which need not be refunded upon cancellation or prepayment.
[ 1969 ex.s. c 190 § 9.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.100 - Delinquency charge—Cancellation charge.

RCW 48.56.100
Delinquency charge—Cancellation charge.
A premium finance agreement may provide for the payment by the insured of a delinquency charge of one dollar to a maximum of five percent of the delinquent installment that is in default for a period of five days or more except that if the loan is primarily for personal, family, or household purposes the delinquency charge shall not exceed five dollars.
If the default results in the cancellation of any insurance contract listed in the agreement, the agreement may provide for the payment by the insured of a cancellation charge equal to the difference between any delinquency charge imposed with respect to the installment in default and five dollars.
[ 1995 c 72 § 1; 1969 ex.s. c 190 § 10.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.110 - Cancellation of insurance contract.

RCW 48.56.110
Cancellation of insurance contract.
(1) When a premium finance agreement contains a power of attorney enabling the premium finance company to cancel any insurance contract or contracts listed in the agreement, the insurance contract or contracts shall not be canceled by the premium finance company unless such cancellation is effectuated in accordance with this section.
(2) Not less than ten days' written notice shall be mailed to the insured of the intent of the premium finance company to cancel the insurance contract unless the default is cured within such ten-day period.
(3) After expiration of such ten-day period, the premium finance company may thereafter request in the name of the insured, cancellation of such insurance contract or contracts by mailing to the insurer a notice of cancellation, and the insurance contract shall be canceled as if such notice of cancellation had been submitted by the insured himself or herself, but without requiring the return of the insurance contract or contracts. The premium finance company shall also mail a notice of cancellation to the insured at his or her last known address.
(4) All statutory, regulatory, and contractual restrictions providing that the insurance contract may not be canceled unless notice is given to a governmental agency, mortgagee, or other third party shall apply where cancellation is effected under the provisions of this section. The insurer shall give the prescribed notice in behalf of itself or the insured to any governmental agency, mortgagee, or other third party on or before the second business day after the day it receives the notice of cancellation from the premium finance company and shall determine the effective date of cancellation taking into consideration the number of days notice required to complete the cancellation.
[ 2010 c 8 § 11006; 2009 c 549 § 7158; 1969 ex.s. c 190 § 11.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.120 - Cancellation of insurance contract—Return of unearned premiums.

RCW 48.56.120
Cancellation of insurance contract—Return of unearned premiums.
(1) Whenever a financed insurance contract is canceled, the insurer shall return whatever gross unearned premiums are due under the insurance contract to the premium finance company for the account of the insured or insureds.
(2) In the event that the crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured: PROVIDED, That no such refund shall be required if it amounts to less than one dollar.
[ 1969 ex.s. c 190 § 12.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.130 - Filing of agreement.

RCW 48.56.130
Filing of agreement.
No filing of the premium finance agreement shall be necessary to perfect the validity of such agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, encumbrancers, successors, or assigns.
[ 1969 ex.s. c 190 § 13.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.56 - Insurance Premium Finance Company Act. › 48.56.900 - Effective date—1969 ex.s. c 190.

RCW 48.56.900
Effective date—1969 ex.s. c 190.
This act is necessary for the immediate preservation of the public peace, health and safety, the support of the state government and its existing public institutions, and shall take effect on the sixtieth day following passage by the legislature and submission to the governor for action.
[ 1969 ex.s. c 190 § 15.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.58 - Riot Reinsurance Reimbursement. › 48.58.010 - Riot reinsurance reimbursement—Assessments.

RCW 48.58.010
Riot reinsurance reimbursement—Assessments.
(1) The commissioner may reimburse the secretary of the department of housing and urban development under the provisions of Section 1223(a)(1) of the Urban Property Protection and Reinsurance Act of 1968 (Public Law 90-448) for losses reinsured by the secretary of the department of housing and urban development and occurring in this state on or after August 1, 1968. After receipt by the state treasurer of a statement requesting reimbursement from the secretary of the department of housing and urban development and upon certification promptly made by the commissioner of insurance, hereafter referred to as the commissioner, of the correctness of the amount thereof, the commissioner is hereby authorized to provide for an assessment upon insurers authorized to do business in this state in amounts sufficient to pay reimbursement to the secretary of the department of housing and urban development: PROVIDED, That the amount assessed each insurer shall be in the same proportion that the premiums written by each insurer in this state bear to the aggregate premiums written in this state by all insurance companies on those lines for which reinsurance was available in this state from the secretary of the department of housing and urban development during the preceding calendar year.
(2) In the event any insurer fails, by reason of insolvency, to pay any assessment as provided herein, the amount assessed each insurer, as computed under subsection (1) of this section, shall be immediately recalculated excluding therefrom the insolvent insurer so that its assessment is, in effect, assumed and redistributed among the remaining insurers.
(3) When assessments as provided herein are made, the individual insurer, after having paid the full amount assessed against the insurer, may deduct from future premium tax liabilities an amount not to exceed twenty percent per annum until such deductions equal the amount of the assessment levied against the insurer.
(4) This section shall cease to be of any force and effect upon termination of the Urban Property Protection and Reinsurance Act of 1968 (Public Law 90-448), except that obligations incurred pursuant to the provisions of this section shall not be impaired by the expiration of the same.
(5) Notwithstanding the termination of the Urban Property Protection and Reinsurance Act of 1968 (Public Law 90-448), the commissioner is authorized to continue in force the program developed in response to that act, the Washington essential property insurance inspection and placement program, in order to provide essential property insurance within the state where it cannot be obtained through the normal insurance market.
[ 1987 c 128 § 1; 1980 c 32 § 9; 1969 ex.s. c 140 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.62 - Local Government Insurance Transactions. › 48.62.011 - Legislative intent—Construction.

RCW 48.62.011
Legislative intent—Construction.
(1) This chapter is intended to provide the exclusive source of local government entity authority to individually or jointly self-insure risks, jointly purchase insurance or reinsurance, and to contract for risk management, claims, and administrative services. This chapter shall be liberally construed to grant local government entities maximum flexibility in self-insuring to the extent the self-insurance programs are operated in a safe and sound manner. This chapter is intended to require prior approval for the establishment of every individual local government self-insured employee health and welfare benefit program and every joint local government self-insurance program. In addition, this chapter is intended to require every local government entity that establishes a self-insurance program not subject to prior approval to notify the state of the existence of the program and to comply with the regulatory and statutory standards governing the management and operation of the programs as provided in this chapter. This chapter is not intended to authorize or regulate self-insurance of unemployment compensation under chapter 50.44 RCW, or industrial insurance under chapter 51.14 RCW.
(2) This chapter is further intended to enable the board of pilotage commissioners to participate in a local government joint self-insurance program covering liability risks.
[ 2019 c 26 § 1; 1991 sp.s. c 30 § 1.]