reglab/statecodes huggingface dataset:
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-63 - Standards for supplemental illustrations

Current through July 10, 2024
(a) A
				supplemental illustration may be provided so long as:
(1) It is appended to, accompanied by or
				preceded by a basic illustration that complies with sections
				38a-819-58
				to
				38a-819-69,
				inclusive, of the regulations of Connecticut State Agencies;
(2) The non-guaranteed elements shown are not
				more favorable to the policy owner than the corresponding elements based on the
				scale used in the basic illustration;
(3) It contains the same statement required
				of a basic illustration that non-guaranteed elements are not guaranteed;
				and
(4) For a policy that has a
				contract premium, the contract premium underlying the supplemental illustration
				is equal to the contract premium shown in the basic illustration. For policies
				that do not require a contract premium, the premium outlay underlying the
				supplemental illustration shall be equal to the premium outlay shown in the
				basic illustration.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-64 - Delivery of illustrations and record retention

Current through July 10, 2024
(a)
(1) If a basic illustration is used by an
				insurance producer or other authorized representative of the insurer in the
				sale of a life insurance policy and the policy is applied for as illustrated, a
				copy of that illustration, signed in accordance with section
				38a-819-62
				of the regulations of Connecticut State Agencies, shall be submitted to the
				insurer at the time of policy application. A copy also shall be provided to the
				applicant.
(2) If the policy is
				issued other than as applied for, a revised basic illustration conforming to
				the policy as issued shall be sent with the policy. The revised illustration
				shall conform to the requirements of sections
				38a-819-58
				to
				38a-819-69,
				inclusive, of the regulations of Connecticut State Agencies, shall be labeled
				"Revised Illustration" and shall be signed and dated by the applicant or policy
				owner and producer or other authorized representative of the insurer no later
				than the time the policy is delivered. A copy shall be provided to the insurer
				and the policy owner.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-65 - Annual report; notice to policy owners

Current through July 10, 2024
(a) In the case
				of a policy designated as one for which illustrations will be used, the insurer
				shall provide each policy owner with an annual report on the status of the
				policy that shall contain at least the following information:
(1) For universal life policies, the report
				shall include the following:
(A) The beginning
				and end date of the current report period;
(B) The policy value at the end of the
				previous report period and at the end of the current report period;
(C) The total amounts that have been credited
				or debited to the policy value during the current report period, identifying
				each by type (for example, interest, mortality, expense and riders);
(D) The current death benefit at the end of
				the current report period on each life covered by the policy;
(E) The net cash surrender value of the
				policy as of the end of the current report period;
(F) The amount of outstanding loans, if any,
				as of the end of the current report period; and
(G) For fixed premium policies:
If, assuming guaranteed interest, mortality and expense loads
				  and continued scheduled premium payments, the policy's net cash surrender value
				  is such that it would not maintain insurance in force until the end of the next
				  reporting period, a notice to this effect shall be included in the report;
				  or
(H) For flexible premium
				policies:
If, assuming guaranteed interest, mortality and expense
				  loads, the policy's net cash surrender value will not maintain insurance in
				  force until the end of the next reporting period unless further premium
				  payments are made, a notice to this effect shall be included in the
				  report.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-66 - Annual certifications

Current through July 10, 2024
(a) The board of
				directors of each insurer shall appoint one or more illustration
				actuaries.
(b) The illustration
				actuary shall certify that the disciplined current scale used in illustrations
				is in conformity with the Actuarial Standard of Practice for Compliance with
				the NAIC Model Regulation on Life Insurance Illustrations promulgated by the
				Actuarial Standards Board, and that the illustrated scales used in
				insurer-authorized illustrations meet the requirements of this
				regulation.
(c) The illustration
				actuary shall:
(1) Be a member in good
				standing of the American Academy of Actuaries;
(2) Be familiar with the standard of practice
				regarding life insurance policy illustrations;
(3) Not have been found by the commissioner,
				following appropriate notice and hearing to have:
(A) Violated any provision of, or any
				obligation imposed by, the insurance law or other law in the course of his or
				her dealings as an illustration actuary;
(B) Been found guilty of fraudulent or
				dishonest practices;
(C)
				Demonstrated his or her incompetence, lack of cooperation, or untrustworthiness
				to act as an illustration actuary; or
(D) Resigned or been removed as an
				illustration actuary within the past five (5) years as a result of acts or
				omissions indicated in any adverse report on examination or as a result of a
				failure to adhere to generally acceptable actuarial standards;
(4) Not fail to notify the
				commissioner of any action taken by a commissioner of another state similar to
				that under subdivision (3) of this subsection;
(5) Disclose in the annual certification
				whether, since the last certification, a currently payable scale applicable for
				business issued within the previous five (5) years and within the scope of the
				certification has been reduced for reasons other than changes in the experience
				factors underlying the disciplined current scale. If non-guaranteed elements
				illustrated for new policies are not consistent with those illustrated for
				similar in force policies, this shall be disclosed in the annual certification.
				If non-guaranteed elements illustrated for both new and in force policies are
				not consistent with the non-guaranteed elements actually being paid, charged or
				credited to the same or similar forms, this shall be disclosed in the annual
				certification; and
(6) Disclose in
				the annual certification the method used to allocate overhead expenses for all
				illustrations:
(A) Fully allocated
				expenses;
(B) Marginal expenses;
				or
(C) A generally recognized
				expense table based on fully allocated expenses representing a significant
				portion of insurance companies and approved by the commissioner.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-68 - Separability

Current through July 10, 2024
If any provision of sections
				  38a-819-58
				  to
				  38a-819-69,
				  inclusive, of the regulations of Connecticut State Agencies or the application
				  thereof to any person or circumstance is for any reason held to be invalid, the
				  remainder of these regulations, and the application of such provision to other
				  persons or circumstances, shall not be affected.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Life Insurance Illustrations › Section 38a-819-69 - Effective date

Current through July 10, 2024
Sections
				  38a-819-58
				  to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies
				  shall become effective January 1, 1999 and shall apply to policies sold on or
				  after the effective date.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Military Sales Practices › Section 38a-819-70 - Purpose

Current through July 10, 2024
(a) The purpose of sections 38a-819-70 to
				38a-819-75,
				inclusive, of the Regulations of Connecticut State Agencies is to set forth
				standards to protect service members of the United States Armed Forces from
				dishonest and predatory insurance sales practices by declaring certain
				identified practices to be false, misleading, deceptive or unfair.
(b) Nothing in sections 38a-819-70 to
				38a-819-75,
				inclusive, of the Regulations of Connecticut State Agencies shall be construed
				to create or imply a private cause of action for a violation of sections
				38a-819-70 to
				38a-819-75,
				inclusive, of the Regulations of Connecticut State Agencies.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Military Sales Practices › Section 38a-819-71 - Scope

Current through July 10, 2024
Sections
				  38a-819-70 to
				  38a-819-75,
				  inclusive, of the Regulations of Connecticut State Agencies shall apply to the
				  solicitation or sale of any life insurance or annuity product by an insurer or
				  insurance producer to an active duty service member of the United States Armed
				  Forces.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Military Sales Practices › Section 38a-819-72 - Exemptions

Current through July 10, 2024
Sections
				  38a-819-70 to
				  38a-819-75,
				  inclusive, of the Regulations of Connecticut State Agencies shall not apply to
				  solicitations or sales involving:
(1)
				Credit insurance;
(2) Group life
				insurance or group annuities where there is no in-person, face-to-face
				solicitation of individuals by an insurance producer or where the contract or
				certificate does not include a side fund;
(3) An application to the existing insurer
				that issued the existing policy or contract when a contractual change or a
				conversion privilege is being exercised; or, when the existing policy or
				contract is being replaced by the same insurer pursuant to a program filed with
				and approved by the Insurance Commissioner; or, when a term conversion
				privilege is exercised among corporate affiliates;
(4) Individual stand-alone health policies,
				including disability income policies;
(5) Contracts offered by Servicemembers'
				Group Life Insurance (SGLI) or Veterans' Group Life Insurance (VGLI), as
				authorized by
				38
				U.S.C. Section 1965
et seq.
;
				or
(6) Life insurance contracts
				offered through or by a non-profit military association, qualifying under
				Section 501 (c)(23) of the Internal Revenue Code (IRC), and which are not
				underwritten by an insurer; or
(7)
				Contracts used to fund:
(A) An employee
				pension or welfare benefit plan that is covered by the Employee Retirement and
				Income Security Act (ERISA);
(B) A
				plan described by Sections 401(a), 401(k), 403(b), 408(k) or 408(p) of the
				Internal Revenue Code (IRC), as amended, if established or maintained by an
				employer;
(C) A government or
				church plan defined in Section 414 of the Internal Revenue Code (IRC), a
				government or church welfare benefit plan, or a deferred compensation plan of a
				state or local government or tax exempt organization under Section 457 of the
				IRC;
(D) A nonqualified deferred
				compensation arrangement established or maintained by an employer or plan
				sponsor;
(E) Settlements of or
				assumptions of liabilities associated with personal injury litigation or any
				dispute or claim resolution process; or
(F) Prearranged funeral contracts.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Military Sales Practices › Section 38a-819-74 - Practices declared false, misleading, deceptive or unfair

Current through July 10, 2024
(a) The following acts or practices when
				committed on a military installation by an insurer or insurance producer with
				respect to the in-person, face-to-face solicitation of life insurance are
				declared to be false, misleading, deceptive or unfair:
(1) Knowingly soliciting the purchase of any
				life insurance product "door to door" or without first establishing a specific
				appointment for each meeting with the prospective purchaser;
(2) Soliciting service members in a group or
				"mass" audience or in a "captive" audience where attendance is not
				voluntary;
(3) Knowingly making
				appointments with or soliciting service members during their normally scheduled
				duty hours;
(4) Making appointments
				with or soliciting service members in barracks, day rooms, unit areas, or
				transient personnel housing or other areas where the installation commander has
				prohibited solicitation;
(5)
				Soliciting the sale of insurance without first obtaining permission from an
				office designated by the installation commander;
(6) Posting unauthorized bulletins, notices
				or advertisements;
(7) Failing to
				present DD Form 2885,
Personal Commercial Solicitation
				Evaluation
, to service members solicited or encouraging persons
				solicited not to complete or submit a DD Form 2885; or
(8) Knowingly accepting an application for
				life insurance or issuing a policy of life insurance on the life of an enlisted
				member of the United States Armed Forces without first obtaining for the
				insurer's files a completed copy of any required form which confirms that the
				applicant has received counseling or fulfilled any other similar requirement
				for the sale of life insurance established by regulations, directives or rules
				of DOD or any branch of the Armed Forces.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Military Sales Practices › Section 38a-819-75 - Severability

Current through July 10, 2024
If any provision of sections
				  38a-819-70 to
				  38a-819-74,
				  inclusive, of the Regulations of Connecticut State Agencies or the application
				  thereof to any person or circumstance is held invalid for any reason, the
				  invalidity shall not affect the other provisions or any other application of
				  these sections which can be given effect without the invalid provisions or
				  application. To this end all provisions of said sections are declared to be
				  severable.
Connecticut Administrative Code › Title 38a - Insurance Department › 824 - Regulations Governing the Availability of Insurance on Real Property Regardless of Location › Section 38a-824-1 - Purpose

Current through July 10, 2024
The purpose of this regulation is to ensure the availability of
				insurance on real property in the State of Connecticut by prohibiting unfair
				discrimination in the availability or sale of such insurance on the basis of
				location, age or disparity between replacement cost and market value of such
				property.
Connecticut Administrative Code › Title 38a - Insurance Department › 824 - Regulations Governing the Availability of Insurance on Real Property Regardless of Location › Section 38a-824-2 - Applicability

Current through July 10, 2024
This regulation shall apply to every insurer licensed to write
				insurance on residential property in the State of Connecticut, as well as any
				officers, representatives, agents or employees of such insurers. As used herein
				"insurance" means fire insurance or homeowners insurance on owner-occupied
				buildings with four or fewer dwelling units, or on individual residences,
				including apartment unit, rooms, and houses, occupied by the applicant or the
				named insured.
Connecticut Administrative Code › Title 38a - Insurance Department › 824 - Regulations Governing the Availability of Insurance on Real Property Regardless of Location › Section 38a-824-3 - Acts constituting unfair discrimination

Current through July 10, 2024
(a) Except
			 as provided in subsection (b) of this section, the following acts, practices or
			 methods if committed with such frequency as to indicate a general practice
			 shall be deemed to constitute unfair discrimination.
(1) Refusing to issue homeowners policies
			 solely because of the fact that the risk is located in a particular urban area
			 or neighborhood, city or town.
(2)
			 Requiring homeowners insurance policies to be purchased in amounts above 80% of
			 replacement cost value.
(3)
			 Limiting the sale of homeowners insurance policies to 80% of replacement cost
			 value without offering homeowners insurance policies which provide coverage in
			 amounts not less than the greater of the market value of the property or 50% of
			 the replacement cost value, in accordance with rating plans filed with the
			 Commissioner.
(4) Refusing to
			 insure dwellings solely because of a substantial disparity between replacement
			 cost and market value.
(5) Refusing
			 to issue, refusing to renew, cancelling or limiting the amount or provisions of
			 coverage solely because of the age of structure.
(6) Refusing to issue, refusing to renew,
			 cancelling or limiting the amount or provisions of coverage due to the
			 condition of adjacent or nearby properties unless there are objectively
			 identifiable hazards associated with such properties which significantly
			 increase the risk.
(7) Varying the
			 application of any or all of the following standards or practices by geographic
			 locations of the risk by:
(A) Use of previous
			 denial of coverage or termination by another insurer;
(B) Use of insurance application information
			 concerning whether the applicant was previously denied coverage or was
			 terminated by another insurer;
(C)
			 Use of previous coverage under an involuntary insurance plan;
(D) Use of insurance information concerning
			 whether the applicant was previously covered in an involuntary insurance
			 plan;
(E) Providing a statement to
			 applicants and insureds regarding the reasons for insurer's declination,
			 termination, or nonrenewal of an insurance contract;
(F) Providing a statement to applicants and
			 insureds before issuing notices of declination, termination, or non-renewal
			 regarding corrective action, if any, the applicant or insured must take to
			 obtain or continue coverage; or
(G)
			 Use of deductibles.
This subdivision (7) shall not prohibit the use of any standard
				or practice merely because it affects various areas differently, provided such
				standard or practice is applied uniformly in all geographic locations.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-1 - Guarantees

Current through July 10, 2024
In determining whether terminology and direct or implied
				representations concerning guarantees, however made, i.e. in advertising or
				otherwise in connection with the sale or offering for sale of a product or a
				service may be in violation of Section 2 (a) of
				P.A.
				615 effective July 1, 1973, the following general
				principle will be used:
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-2 - Required disclosures

Current through July 10, 2024
In general any guarantee, however made, shall clearly and
				conspicuously disclose-
(a) The nature
			 and extent of the guarantee. This includes
(1)
			 What product or part of the product is guaranteed. What service or part of the
			 service is guaranteed,
(2) What
			 characteristics of properties of the designated product or part thereof are
			 covered by, or excluded from, the guarantee,
(3) What is the duration of the
			 guarantee,
(4) What, if anything,
			 any one claiming under the guarantee must do before the guarantor will fulfill
			 his obligation under the guarantee, such as return of the product and payment
			 of service or labor charges; and
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-3 - Adjustments

Current through July 10, 2024
(a) Many guarantees are adjusted by the
			 guarantor on a prorata basis. The advertising of these guarantees should
			 clearly disclose this fact, the basis on which they will be prorated, e.g., the
			 time for which the guaranteed product or service has been used, and the manner
			 in which the guarantor will perform.
(b) If these guarantees are to be adjusted on
			 the basis of a price other than that paid by the purchaser, this price should
			 be clearly and conspicuously disclosed.
Example: "A" sells a tire with list price of $48 to "B" for
				$24, with a 12 months guarantee. After 6 months use the tire proves defective.
				If "A" adjusts on the basis of the price "B" paid, $24, "B" will only have to
				pay one-half of $24, or $12, for a new tire. If "A" instead adjusts on the
				basis of list price, "B" will owe one-half of $48, or $24, for a new tire. The
				guarantor would be required to disclose here, the following: That this was a 12
				months guarantee, that a list price of $48 would be used in the adjustment,
				that there would be an adjustment on the basis of the time that the tire was
				used, and that he would not pay the adjusted amount in cash, but would make an
				adjustment on a new tire.
Note: Guarantees which provide for an adjustment based on a
				fictitious list price should not be used even where adequate disclosure of the
				price used is made.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-4 - Refunds

Current through July 10, 2024
(a) "Satisfaction or Your Money Back," "10
			 Day Free Trial," or similar representations will be construed as a guarantee
			 that the full purchase price will be refunded at the option of the
			 purchaser.
(b) If this guarantee is
			 subject to any conditions or limitations whatsoever, they shall be set forth as
			 provided for in Sec.
			 42-110b-1.
Example: A rose bush is advertised under the representation
				"Satisfaction or Your Money Back." The guarantor requires return of the product
				within one year of purchase date before he will make refund. These limitations,
				i.e., "return" and "time" shall be clearly and conspicuously disclosed in the
				ad.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-5 - Lifetime of product

Current through July 10, 2024
If the words "Life," "Lifetime," or the like, are used in
				advertising to show the duration of a guarantee, and they relate to any life
				other than that of the purchaser or the original user, the life referred to
				shall be clearly and conspicuously disclosed.
Example: "A" advertised that his carburetor was guaranteed for
				life, whereas his guarantee ran for the life of the car in which the carburetor
				was originally installed. The advertisement is ambiguous and deceptive and
				should be modified to disclose the "life" referred to.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-6 - Specific representations

Current through July 10, 2024
(a) Advertisements
			 frequently contain representations of guarantees that assure prospective
			 purchasers that savings may be realized in the purchase of the advertiser's
			 products or services.
(b) Some
			 typical advertisements of this type are "Guaranteed to save you 50%,"
			 "Guaranteed never to be undersold," "Guaranteed lowest price in
			 town."
(c) These advertisements
			 should include a clear and conspicuous disclosure of what the guarantor will do
			 if the savings are not realized, together with any time or other limitations
			 that he may impose.
Example: "Guaranteed lowest price in town" might be accompanied
				by the following disclosure: "If within 30 days from the date that you buy a
				sewing machine from me, you purchase the identical machine in town for less and
				present a receipt therefor to me, I will refund your money."
Note: The above guarantees may constitute affirmative
				representations of fact.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-7 - Prohibited advertising

Current through July 10, 2024
(a) A seller or
			 manufacturer should not advertise or represent that a product is guaranteed
			 when he cannot or does not promptly and scrupulously fulfill his obligations
			 under the guarantee.
(b) A specific
			 example of refusal to perform obligations under the guarantee is use of
			 "Satisfaction or your money back" when the guarantor cannot or does not intend
			 promptly to make full refund upon request.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Section 42-110b-8 - Responsibility for representations

Current through July 10, 2024
Guarantees are often employed in such a manner as to constitute
				representations of material facts. If such is the case, the guarantor not only
				undertakes to perform under the terms of the guarantee, but also assumes
				responsibility under the law for the truth of the representations made.
Example 1: "Guaranteed for 36 months" applied to a battery is a
				representation that the battery can normally be expected to last for 36 months
				and should not be used in connection with a battery which can normally be
				expected to last for only 18 months.
Example 2: "Guaranteed to grow hair or money back" is a
				representation that the product will grow hair and should not be used when in
				fact such product is incapable of growing hair.
Example 3: "Guaranteed lowest prices in town" is a
				representation that the advertiser's prices are lower than the prices charged
				by all others for the same products in the same town and should not be used
				when such is not the fact.
Example 4: "We guarantee you will earn $500 a month" is a
				representation that prospective employees will earn a minimum of $500 each
				month and should not be used unless such is the fact.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-9a - Definitions

Current through July 10, 2024
For purposes of Sections 42-110b-9 a through 42-110b-14a, the
				  following terms shall have the meanings indicated:
(a) "advertisement" means any oral, written,
				or graphic statement or representation made in connection with the solicitation
				of business in any manner by a seller and includes, but is not limited to,
				statements and representations made in any newspaper or other publication, or
				on radio or television or printed in any catalog, circular, or any other sales
				literature or brochure;
(b)
				"consumer property or services" means any personal property or services sold
				primarily for personal, family, or household use and not for resale or for use
				or consumption in a trade or business. For purposes of these regulations,
				"consumer property or services" shall include "merchandise."
(c) "price comparison" means:
(1) the comparison, whether or not expressed
				wholly or in part in dollars, cents, fractions or percentages, in any
				advertisement, of a seller's current price for consumer property or services
				with any other price or statement of value for such property or services,
				whether or not such prices are actually stated in the advertisement;
				or,
(2) the making of price
				reduction claims or savings claims with respect to the seller's current price.
				The term includes, but is not limited to, such comparisons as "50% off," "Up to
				70% off," "Save ?," "Half-price sale," "30% to 70% off," "Was $20, now half
				price," "Guaranteed Lowest Prices," "$10 value, now $8," "Was $7, now $6,"
				"List Price $50, Our Price $29," "Clearance Price," or "Liquidation
				Price";
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-10a - Price comparison; general

Current through July 10, 2024
It shall be an unfair or deceptive act or practice for a
				  seller to make any price comparison:
(1) based upon a price other than one at
				which consumer property or services was either sold or offered for sale by the
				seller or a competitor, or will be sold or offered for sale by the seller in
				the future, in the regular course of business in the trade area in which the
				price comparison is made;
(2) in
				which the consumer property or services materially differ in composition, grade
				or quality, style or design, model, name or brand, kind or variety, or service
				and performance characteristics, unless the general nature of the material
				differences is conspicuously disclosed in the advertisement with the price
				comparison; or
(3) unless all the
				relevant price terms and conditions of any offer which is based upon the
				purchase of other merchandise are conspicuously disclosed. Such types of offers
				shall include, but are not limited to, "Free," "2-for-1," "Two-Fer,"
				"Half-Price Sale," "1¢ sale," "50% off" or other similar type of
				offer.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-11a - Catalogs

Current through July 10, 2024
A seller who does business on a large regional or national
				  basis may refer to reference prices in comparison to the seller's current
				  selling prices in a seasonal or annual catalog if the reference prices are
				  based upon a reasonably substantiated survey of the usual prices in the trade
				  area.
(1) The reference price stated
				in such catalog is permissible if the catalog using such reference price
				contains a disclosure statement printed in a conspicuous manner, fully
				explaining:
(A) the source of the reference
				price; and
(B) that the reference
				prices may not continue to be in effect during the entire life of the
				catalogue, if such is in fact the case.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-12a - Price comparison advertisements

Current through July 10, 2024
(a) It shall be an
				unfair or deceptive act or practice for a seller to make any price comparison
				based upon a price at which consumer property or services were sold by the
				seller unless:
(1) the price is a price at
				which such property or services were actually sold by the seller in the last
				ninety days immediately preceding the date on which the price comparison is
				stated in the advertisement; or
(2)
				the price is a price at which such property or services were actually sold by
				the seller during any other period, and the advertisement discloses with the
				price comparison the date, time or seasonal period when such sales were
				made.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-13a - Competitor's prices

Current through July 10, 2024
(a) It shall be an
				unfair or deceptive act or practice for a seller to make any price comparison
				based upon a competitor's price unless:
(1)
				the competitor's price is either a price at which the competitor sold or
				advertised consumer property or services for sale at any time within the ninety
				day period immediately preceding the date on which the price comparison is
				stated in the advertisement, or the date on which the completed advertising
				copy was submitted to the printer for final printing and publication, provided
				such submission date does not exceed eight weeks from the date of actual
				publication or distribution;
(2)
				the competitor's price is a price that is representative of prices at which the
				consumer property or services are sold or advertised for sale in the trade area
				in which the price comparison is made and is not an isolated price;
				and
(3) disclosure is made with the
				price comparison that the price used as a basis for the comparison was not the
				seller's own price.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-14a - Retail price labels

Current through July 10, 2024
(a) A price label
				or tag permanently imprinted on or affixed to consumer property or its
				container, by the manufacturer or supplier ("pre-ticketed price"), and not
				under control of the retail seller or instigated by him, or which is required
				to be attached to such property under federal law, need not be covered,
				obliterated or removed for purposes of compliance with these regulations:
(1) when the retail seller's current offering
				price is attached to, printed on or placed on a label, tag or sign accompanying
				such property, provided no price comparison is made by the retail seller based
				solely on the manufacturer's price thereon unless such comparison would be
				valid based on past sales records; or
(2) when the retail seller's original
				offering price attached to, printed on or placed on a label, tag or sign
				accompanying such property, is identical to the pre-ticketed price.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Comparison Price Advertising › Section 42-110b-15 - Records of fact

Current through July 10, 2024
Any seller advertising products or services in this State in
				  which such advertisements are contained representations or statements as to any
				  type of saving claims, including reduced price claims and comparative value
				  claims, shall maintain adequate records which disclose the factual basis for
				  such representations or statements and from which the validity of any such
				  claim can be established.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Disclosure of Refund and Exchange Policies › Section 42-110b-16 - Prohibited acts

Current through July 10, 2024
It shall constitute an unfair and deceptive act and practice
				  in the conduct of any trade and commerce under Public Act 73-615, Section 2,
				  for a person to refuse to make a cash refund on a cash sale or to credit the
				  customer's account on a credit sale of goods purchased at a person's place of
				  business and returned within seven days from the date of purchase unless the
				  person selling the goods discloses at the time of sale what his refund policy
				  is, i.e., that no cash refund will be made on the goods, that cash refunds are
				  made at the sole discretion of the seller, that goods are accepted for exchange
				  only, that no refunds or exchanges are made, or that any other policy is in
				  effect. Disclosure of such policy must be conspicuously placed on a sign
				  located at the point of display, the cash register, or the store
				  entrance.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Disclosure of Refund and Exchange Policies › Section 42-110b-17 - Exemptions

Current through July 10, 2024
This regulation shall not apply to the sale of: Food items;
				  perishable items, including live plants; items in substantial part custom made,
				  custom ordered, or custom finished; items which have been used; items which by
				  statute or state regulation cannot be resold, even if unused; items which are
				  marked at the time of sale "as is" or "final sale"; and items for which no
				  proof of purchase is submitted. Removal of price and/or identification tags by
				  the buyer shall constitute proof of use of an item for the purpose of these
				  regulations.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-20 - Bait and switch

Current through July 10, 2024
It shall be an unfair and deceptive act or practice
				  to:
(a) Advertise merchandise or a
				service for sale when the advertisement is not a bona fide offer to sell the
				advertised merchandise or service. Among acts or practices which will be
				considered in determining if an advertisement is a bona fide offer are:
(1) the refusal to show, demonstrate, or sell
				the merchandise or service offered in accordance with the terms of the
				offer,
(2) the disparagement by
				acts or words of the advertised merchandise or service or the disparagement of
				the guarantee, credit terms, availability of service, repairs or parts, or in
				any other respect, innection with it,
(3) the failure to have available at all
				outlets listed in the advertisement a sufficient quantity of the advertised
				merchandise to meet reasonable anticipated demands, unless the advertisement
				clearly, adequately, and specifically (see § 18 above) discloses that
				supply is limited and/or the merchandise is available only at designated
				outlets.
(4) the refusal to take
				orders for the advertised merchandise to be delivered within a reasonable
				period of time at the advertised price,
(5) the showing or demonstrating of
				merchandise which is defective, unusable or impractical for the purpose
				represented or implied in the advertisement,
(6) use of a sales plan or method of
				compensation for salesmen or penalizing salesmen which has, or tends to have,
				the effect of preventing or discouraging them from selling the advertised
				merchandise or service,
(7) the
				delivery of the advertised merchandise which is defective, unusable, or
				impractical for the purpose represented or implied in the
				advertisement.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-21 - Language other than English

Current through July 10, 2024
It shall be an unfair or deceptive act or practice to
				  disseminate any advertisement in a language other than English without
				  including therein all required disclosures or limitations on the offer
				  advertised in the language principally used in the
				  advertisement.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-22 - Offer conditions

Current through July 10, 2024
When an offer is made in an advertisement and there is a
				  material contingency, condition or limitation on the offer, it shall be an
				  unfair or deceptive act or practice to fail to conspicuously state such
				  contingency, condition or limitation reasonably adjacent to the
				  offer.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-23 - Game promotion

Current through July 10, 2024
(a) It shall be an
				unfair or deceptive act or practice for any person to engage in any kind of
				contest, sweepstakes, giveaway or other game promotion which:
(1) is deceptive or misleading as to chances
				of winning, the number of winners, the value of the prizes, or the availability
				of the prize;
(2) requires any kind
				of entry fee, service charge, purchase or similar consideration in order to
				enter;
(3) uses publications,
				literature, written or verbal promotion that is false, deceptive, or
				misleading.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-24 - Availability of service

Current through July 10, 2024
It shall be an unfair or deceptive act or practice for any
				  person in trade or commerce to sell merchandise for which service is not
				  readily available without disclosing such fact to the purchaser prior to the
				  sale of the merchandise.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-25 - Federal Trade Commission

Current through July 10, 2024
In the event there are any inconsistencies between these
				  regulations and the rules, regulations, and decisions of the Federal Trade
				  Commission and the federal courts interpreting the provisions of the Federal
				  Trade Commission Act, the latter shall prevail.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-26 - Failure to post prescription drug prices

Current through July 10, 2024
It shall be an unfair or deceptive trade practice for any
				  pharmacy or any drug retailer to violate Sec.
				  20-175a of
				  the General Statutes, or any provision of Sec. 20-175a-1 through Sec.
				  20-175a-2, inclusive of the Regulations of Connecticut State
				  Agencies.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-28 - Standards for the advertising and selling of motor vehicles within Connecticut

Current through July 10, 2024
(a)
Definitions
For the purposes of this regulation the following terms have
				  the meanings indicated:
(1) "Motor
				vehicle" means "Motor vehicle," as defined in section
				14-1 of
				the Connecticut General Statutes;
(2) "New car dealer" and "used car dealer"
				means "New car dealer" and "Used car dealer" as defined in section
				14-51 of
				the Connecticut General Statutes, and shall also mean any person, firm or
				corporation which engages in the business of leasing or renting of motor
				vehicles and is required to be licensed under the provisions of section
				14-15
				of the Connecticut General Statutes;
(3) "Advertisement" (including the terms
				advertise and advertising) means any oral, written or graphic statement made by
				a new car dealer or used car dealer in any manner in connection with the
				solicitation of business and includes, but is not limited to, statements and
				representations made in a newspaper or other publication or on radio or
				television or contained in any notice, handbill, sign, billboard, poster, bill,
				circular, brochure, pamphlet, catalogue or letter;
(4) A motor vehicle is not considered new
				within the meaning of these regulations if it is a used motor vehicle as
				defined in section
				14-1 of
				the Connecticut General Statutes, or if it has been driven substantially in
				excess of the limited use necessary for moving or road testing purposes, or if
				it is altered, deteriorated, repossessed or damaged;
(5) "Clearly and Conspicuously" means that
				the statement, representation or term being disclosed is of such size,
				placement, sound, color or contrast as to be readily noticeable to the person
				to whom it is being disclosed. A printed statement, representation or term is
				not clear and conspicuous unless it is printed in at least ten point type;
				and
(6) "Flood damaged vehicle"
				means a motor vehicle that satisfies either of the following:
(A) the vehicle has been acquired by an
				insurance company as part of a damage settlement due to water damage;
				or
(B) the vehicle has been
				submerged in water to the point that rising water has reached over the door
				sill and has entered the passenger or trunk compartment, or has exposed any
				electrical, computerized or mechanical component to water.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-29 - Petroleum products pricing practices

Current through July 10, 2024
(a)
As used
				in this section:
(1) "petroleum
				product" shall include, but not be limited to, middle distillate, residual fuel
				oil, motor gasoline, propane, aviation gasoline and aviation turbine fuel, as
				defined in Sec.
				16a-22c-1(b)
				of the Regulations of Connecticut State Agencies;
(2) "seller" shall include, but not be
				limited to, a supplier, wholesaler, distributor or retailer involved in the
				sale or distribution in this State of petroleum products;
(3) "abnormal market disruption" refers to
				any stress to the petroleum products market resulting from weather conditions,
				acts of nature, failure or shortage of a source of energy, strike, civil
				disorder, war, national or local emergency, oil spill or other extraordinary
				adverse circumstance.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 110b - Representations of Guarantees › Advertising and Sales › Section 42-110b-31 - Refusal to serve customer

Current through July 10, 2024
(a) As used in this
				section:
(1) "Energy goods" means any fuel
				used for the purpose of providing heat or hot water to residential dwelling
				units, including, but not limited to home heating oil, propane, kerosene, coal
				and wood;
(2) "Vendor" means a
				retail seller of energy goods;
(3)
				"Established delivery area" means the geographic area in Connecticut, the
				perimeter of which is determined by the vendor's most distant customer in each
				direction;
(4) "Cash" means legal
				tender, certified or cashier's check, commercial money order, or their
				equivalent, or guaranteed payment on behalf of the person by a government or
				community action agency.
Connecticut Administrative Code › Title 42 - Business, Selling, Trading and Collection Practices › 115j - The Labeling, Packaging and Sale of Commodities › Section 42-115j-1a - Packaging and labeling regulation

Current through July 10, 2024
The Uniform Regulation for Packaging and Labeling as adopted
				and amended from time to time, by the National Conference on Weights and
				Measures and published in Section IV of the National Institute of Standards and
				Technology Handbook 130, or subsequent corresponding handbook of the United
				States Department of Commerce are adopted, and herein incorporated by
				reference, as standards of this State.