reglab/statecodes huggingface dataset:
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.720 - Seeking information concerning previous adverse underwriting decision

Current through June 11, 2024
No insurance institution, agent or insurance-support
				organization may seek in connection with an insurance transaction, information
				concerning:
1. Any previous adverse
			 underwriting decision experienced by a natural person; or
2. Any previous insurance coverage obtained
			 by a natural person through a residual market mechanism unless the inquiry also
			 requests the reasons for the previous adverse underwriting decision or why
			 insurance coverage was previously obtained through a residual market
			 mechanism.
Added to NAC by Comm'r
				of Insurance, 10-4-88, eff. 1-1-89
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.725 - Basis for adverse underwriting decision

Current through June 11, 2024
1. Except as
			 otherwise provided in subsection 2, no insurance institution or agent may base
			 an adverse underwriting decision in whole or in part on:
(a) A previous adverse underwriting
			 decision;
(b) Insurance coverage
			 previously obtained by a natural person through a residual market mechanism;
			 or
(c) Personal information
			 received from an insurance-support organization whose primary source of
			 information is insurance institutions.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.730 - Limitations upon and conditions of disclosure

Current through June 11, 2024
An insurance institution, agent or insurance-support
				organization shall not disclose personal or privileged information about a
				natural person collected or received in connection with an insurance
				transaction unless the disclosure is:
1. Authorized in writing by the natural
			 person and:
(a) If the authorization is
			 submitted by a person other than an insurance institution, agent or
			 insurance-support organization, the authorization is:
(1) Dated;
(2) Signed by the natural person;
			 and
(3) Obtained not more than 1
			 year before the date a disclosure is sought pursuant to this section.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.735 - Investigation by Commissioner

Current through June 11, 2024
The Commissioner may examine and investigate the affairs of
				every:
1. Insurance institution or
			 agent doing business in this State to determine whether the insurance
			 institution or agent has been or is engaged in any conduct violating NAC
			 679B.560 to 679B.750, inclusive.
2.
			 Insurance-support organization acting on behalf of an insurance institution or
			 agent transacting business within or outside this State which has an effect on
			 a person residing in this State in order to determine whether the
			 insurance-support organization has been or is engaged in any conduct violating
			 NAC 679B.560 to 679B.750, inclusive.
Added to NAC by Comm'r
				of Insurance, 10-4-88, eff. 1-1-89
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.740 - Hearings

Current through June 11, 2024
Any hearings concerning conduct which violates NAC 679B.560 to
				679B.750, inclusive, will be held pursuant to the provisions of this chapter
				and chapter 679B of NRS.
Added to NAC by Comm'r
				of Insurance, 10-4-88, eff. 1-1-89
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.745 - Service of process on insurance-support organization outside of State

Current through June 11, 2024
For the purposes of NAC 679B.560 to 679B.750, inclusive, an
				insurance-support organization transacting business outside this State and
				having an effect on a person residing in this State shall be deemed to have
				appointed the Commissioner to accept service of process on its behalf, if the
				Commissioner causes a copy of any service to be mailed forthwith by registered
				mail to the insurance-support organization at its last known principal place of
				business. The return postcard receipt for registered mailing is sufficient
				proof that a copy of the service was properly mailed by the
				Commissioner.
Added to NAC by Comm'r
				of Insurance, 10-4-88, eff. 1-1-89
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › COLLECTION, USE AND DISCLOSURE OF INFORMATION ON TRANSACTIONS OF INSURANCE › Section 679B.750 - Penalties

Current through June 11, 2024
1. If the Commissioner determines that there
			 has been a knowing violation of NAC 679B.675 to 679B.730, inclusive, he or she
			 may:
(a) Issue a cease and desist order
			 following notice and a hearing on the violation.
(b) Order payment of a monetary penalty of
			 not more than $2,000 for each violation.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › PROCESSING OF CLAIMS FOR PHARMACY BENEFITS › Section 679B.775 - Definitions

Current through June 11, 2024
As used in NAC 679B.775 to 679B.795, inclusive, unless the
				context otherwise requires, the words and terms defined in NAC 679B.780,
				679B.785 and 679B.790 have the meanings ascribed to them in those
				sections.
Added to NAC by Comm'r
				of Insurance by R010-02, 9-13-2002
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › PROCESSING OF CLAIMS FOR PHARMACY BENEFITS › Section 679B.780 - "Health care plan" defined

Current through June 11, 2024
"Health care plan" has the meaning ascribed to it in
				NRS
				679B.520.
Added to NAC by Comm'r
				of Insurance by R010-02, 9-13-2002
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › PROCESSING OF CLAIMS FOR PHARMACY BENEFITS › Section 679B.785 - "Insured" defined

Current through June 11, 2024
"Insured" has the meaning ascribed to it in
				NRS
				679B.530.
Added to NAC by Comm'r
				of Insurance by R010-02, 9-13-2002
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › PROCESSING OF CLAIMS FOR PHARMACY BENEFITS › Section 679B.790 - "Insurer" defined

Current through June 11, 2024
"Insurer" has the meaning ascribed to it in
				NRS
				679B.540.
Added to NAC by Comm'r
				of Insurance by R010-02, 9-13-2002
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › PROCESSING OF CLAIMS FOR PHARMACY BENEFITS › Section 679B.795 - Prohibited acts by insurer

Current through June 11, 2024
An insurer that issues a health care plan shall not:
1. Delay or deny the payment of any claim for
			 pharmacy benefits solely on the basis that the person who wrote the
			 prescription does not have a valid registration number issued by the Drug
			 Enforcement Administration; or
2.
			 Use a false registration number to process such a claim.
Added to NAC by Comm'r
				of Insurance by R010-02, 9-13-2002
NRS
				  679B.130
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.800 - Definitions

Current through June 11, 2024
As used in NAC 679B.800 to 679B.878, inclusive, unless the
				  context otherwise requires, the words and terms defined in NAC 679B.802 to
				  679B.832, inclusive, have the meanings ascribed to them in those
				  sections.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.802 - "Affiliate" defined

Current through June 11, 2024
"Affiliate" means any company that controls, is controlled by
				  or is under common control with another company.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.804 - "Clear and conspicuous" defined

Current through June 11, 2024
1. "Clear and
				conspicuous" means that a notice is reasonably understandable and designed to
				call attention to the nature and significance of the information in the
				notice.
2. For the purposes of this
				section, a notice from a licensee is:
(a)
				"Designed to call attention to the nature and significance of the information
				in the notice" if the notice:
(1) Uses a
				heading in plain language to call attention to the notice;
(2) Uses a typeface and a type size that are
				easy to read;
(3) Provides wide
				margins and ample line spacing;
(4)
				Uses boldface and italics type for key words; and
(5) Uses distinctive type size and style, and
				graphic devices, including, without limitation, shading and sidebars, in a form
				that combines the notice from a licensee with other information.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.806 - "Collect" defined

Current through June 11, 2024
"Collect" means to obtain any information that a licensee
				  organizes or can retrieve by:
1. The
				name of a natural person; or
2. An
				identifying number, symbol or other identifying particular assigned to the
				natural person.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.808 - "Company" defined

Current through June 11, 2024
"Company" means a corporation, limited-liability company,
				  business trust, general partnership, limited partnership, association, sole
				  proprietorship or similar organization.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.810 - "Consumer" defined

Current through June 11, 2024
1. "Consumer" means
				a natural person, or the legal representative of a natural person:
(a) Who seeks to obtain or has obtained an
				insurance product or service from a licensee that is to be used primarily for
				personal, family or household purposes; and
(b) About whom the licensee has nonpublic
				personal financial information.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.812 - "Consumer reporting agency" defined

Current through June 11, 2024
"Consumer reporting agency" has the meaning ascribed to it in
				  15 U.S.C. §
										1681 a(f) of the Fair Credit Reporting
				  Act.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.814 - "Control" defined

Current through June 11, 2024
"Control" means:
1.
				Ownership or power to vote, directly or indirectly, 25 percent or more of the
				outstanding shares of any class of voting security of the company;
2. Directing, in any manner, the election of
				a majority of the directors, trustees, general partners or other persons
				exercising similar functions of the company; or
3. The power to exercise, directly or
				indirectly, a controlling influence over the management or policies of the
				company.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.816 - "Customer" defined

Current through June 11, 2024
1. "Customer" means
				a consumer who has a customer relationship with a licensee.
2. The term does not include a natural person
				solely because of his or her status as an annuitant pursuant to a contract for
				a group annuity issued by the licensee.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.818 - "Customer relationship" defined

Current through June 11, 2024
1. "Customer
				relationship" means a continuing relationship between a consumer and a licensee
				in which the licensee provides one or more insurance products or services to
				the consumer that are to be used primarily for personal, family or household
				purposes.
2. For the purposes of
				this section:
(a) A consumer has a "continuing
				relationship" with a licensee if:
(1) A
				consumer is a current policyholder of an insurance product issued by or through
				the licensee; or
(2) A consumer
				obtains financial, investment or economic advisory services relating to an
				insurance product or service from the licensee for a fee.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.820 - "Financial institution" defined

Current through June 11, 2024
1. "Financial
				institution" means any institution engaged in activities that are financial in
				nature or incidental to such financial activities as described in
				12 U.S.C. §
										1843(k) of the Bank Holding
				Company Act of 1956.
2. The term
				does not include:
(a) Any person or entity
				with respect to any financial activity that is subject to the jurisdiction of
				the Commodity Futures Trading Commission pursuant to the Commodity Exchange
				Act, 7 U.S.C. §§
											1 et seq.;
(b) The Federal Agricultural Mortgage
				Corporation or any similar entity operating pursuant to the Farm Credit Act of
				1971,
				12 U.S.C.
				§§
											2001 et seq.; or
(c) If an institution does not sell or
				transfer nonpublic personal financial information to a nonaffiliated third
				party, an institution chartered by Congress specifically to engage in:
(1) Securitizations;
(2) Secondary market sales, including,
				without limitation, sales of servicing rights; or
(3) Similar transactions related to a
				transaction of a consumer.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.822 - "Insurance product or service" defined

Current through June 11, 2024
1. "Insurance
				product or service" means any product or service that is offered by a licensee
				pursuant to the insurance laws of this State.
2. The term includes an evaluation, brokerage
				or distribution of information that the licensee collects in connection with a
				request or an application from a consumer for an insurance product or
				service.
3. The term does not
				include:
(a) Insurance products or services
				that are not used primarily for personal, family or household purposes;
				or
(b) Products or services for
				health care coverage.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.824 - "Licensee" defined

Current through June 11, 2024
1. "Licensee" means
				all:
(a) Authorized insurers;
(b) Licensed producers; and
(c) Other persons who, pursuant to the
				insurance laws of this State, are:
(1)
				Licensed, authorized or registered, except pursuant to chapter 690C of NRS;
				or
(2) Required to be licensed,
				authorized or registered.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.826 - "Nonaffiliated third party" defined

Current through June 11, 2024
1. "Nonaffiliated
				third party" means any person except:
(a) An
				affiliate of a licensee; or
(b) A
				person employed jointly by a licensee and any company that is not the affiliate
				of a licensee.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.828 - "Nonpublic personal financial information" defined

Current through June 11, 2024
1. "Nonpublic personal financial information"
				means:
(a) Personally identifiable financial
				information; and
(b) Any list,
				description or other grouping of consumers and publicly available information
				regarding consumers that is derived using any personally identifiable financial
				information which is not publicly available.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.829 - "Nonpublic personal health information" defined

Current through June 11, 2024
"Nonpublic personal health information" means health
				  information:
1. That identifies a
				person who is the subject of the information; or
2. With respect to which there is a
				reasonable basis to believe that the information could be used to identify a
				person.
Added to NAC by Comm'r
				  of Insurance by R125-18, eff. 10/25/2018
NRS 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.8295 - "Nonpublic personal information" defined

Current through June 11, 2024
"Nonpublic personal information" means:
1. Nonpublic personal financial information;
				and
2. Nonpublic personal health
				information.
Added to NAC by Comm'r
				  of Insurance by R125-18, eff. 10/25/2018
NRS 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.830 - "Personally identifiable financial information" defined

Current through June 11, 2024
1. "Personally identifiable financial
				information" means any information:
(a) That
				a consumer provides to a licensee to obtain an insurance product or service
				from the licensee;
(b) About a
				consumer resulting from a transaction involving an insurance product or service
				between a licensee and a consumer; or
(c) That the licensee otherwise obtains about
				a consumer in connection with providing an insurance product or service to that
				consumer.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.832 - "Publicly available information" defined

Current through June 11, 2024
1. "Publicly
				available information" means any information that a licensee has a reasonable
				basis to believe is lawfully made available to the general public from:
(a) Federal, state or local governmental
				records;
(b) Widely distributed
				media; or
(c) Disclosures to the
				general public that are required to be made by federal, state or local
				law.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.834 - Scope

Current through June 11, 2024
The provisions of NAC 679B.800 to 679B.878, inclusive, govern
				  the disclosure and use of nonpublic personal financial information about
				  natural persons by all licensees.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.836 - Applicability

Current through June 11, 2024
1. The provisions of NAC 679B.800 to
				679B.878, inclusive, apply to nonpublic personal financial information
				regarding a natural person who obtains products or services primarily for
				personal, family or household purposes from a licensee.
2. The provisions of NAC 679B.800 to
				679B.878, inclusive, do not apply to information about companies or about
				natural persons who obtain products or services for business, commercial or
				agricultural purposes.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.838 - Limitations on construction of provisions

Current through June 11, 2024
The provisions of NAC 679B.800 to 679B.878, inclusive, must
				  not be construed to:
1. Interfere with
				or supersede other applicable provisions of NRS or NAC related to medical
				records, or the privacy of health or insurance information, including, without
				limitation, the provisions of NAC 679B.560 to 679B.750, inclusive.
2. Modify, limit or supersede the operation
				of the Fair Credit Reporting Act,
				15 U.S.C.
				§§
										1681 et seq.
3. Imply that information is transaction or
				experience information pursuant to the Fair Credit Reporting Act,
				15 U.S.C.
				§§
										1681 et seq.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › General Provisions › Section 679B.840 - Severability

Current through June 11, 2024
1. The provisions of NAC 679B.800 to
				679B.878, inclusive, are hereby declared to be severable.
2. If any provision of NAC 679B.800 to
				679B.878, inclusive, is held invalid, or if the application of any such
				provision to any person, thing or circumstance is held invalid, such invalidity
				does not affect any other provision of NAC 679B.800 to 679B.878, inclusive,
				that can be given effect without the invalid provision or
				application.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.841 - Definitions

Current through June 11, 2024
As used in NAC
				  679B.841 to
				  679B.8417, inclusive, unless the
				  context otherwise requires, the words and terms defined in NAC
				  679B.8412,
				  679B.8413 and
				  679B.8414 have the meanings
				  ascribed to them in those sections.
Added to NAC by Comm'r
				  of Insurance by R125-18, eff. 10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8412 - "Customer information" defined

Current through June 11, 2024
"Customer information" means nonpublic personal information
				  about a customer, whether in paper, electronic or other form, that is
				  maintained by or on behalf of the licensee.
Added to NAC
				  by Comm'r of Insurance by R125-18, eff.
				  10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8413 - "Customer information system" defined

Current through June 11, 2024
"Customer information system" means the electronic or
				  physical methods used to access, collect, store, use, transmit, protect or
				  dispose of customer information.
Added to NAC
				  by Comm'r of Insurance by R125-18, eff.
				  10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8414 - "Service provider" defined

Current through June 11, 2024
"Service provider" means a person who maintains, processes or
				  is otherwise allowed access to customer information through the person's
				  provision of services directly to the licensee.
Added to NAC
				  by Comm'r of Insurance by R125-18, eff.
				  10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8415 - Licensee: Requirements for written program

Current through June 11, 2024
Each licensee shall implement a comprehensive written program
				  for the security of customer information. The program must include
				  administrative, technical and physical safeguards for the protection of
				  customer information. Such administrative, technical and physical safeguards
				  must be appropriate for the size and complexity of the licensee and the nature
				  and scope of the licensee's activities.
Added to NAC
				  by Comm'r of Insurance by R125-18, eff.
				  10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8416 - General requirements for design of program

Current through June 11, 2024
A program implemented pursuant to NAC
				  679B.8415 for the security of
				  customer information must be designed to:
1. Ensure the security and confidentiality of
				customer information;
2. Protect
				against any anticipated threat or hazard to the security and integrity of the
				customer information; and
3.
				Protect against unauthorized access to, or use of, the customer information
				that could result in substantial harm or inconvenience to a customer.
Added to NAC
				  by Comm'r of Insurance by R125-18, eff.
				  10/25/2018
NRS 679B.130,
					 679B.137,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Programs for the Security of Customer Information › Section 679B.8417 - Factors considered by Commissioner in determining whether program is satisfactory

Current through June 11, 2024
To determine whether a program implemented pursuant to NAC
				  679B.8415 is satisfactory, the
				  Commissioner will consider:
1. The
				manner in which, in order to assess risk, the licensee:
(a) Identifies reasonably foreseeable
				internal and external threats or hazards which could result in the unauthorized
				disclosure, misuse, alteration or destruction of customer information or
				customer information systems;
(b)
				Assesses the likelihood and potential damage of the threats or hazards, taking
				into consideration the sensitivity of the customer information; and
(c) Assesses the sufficiency of policies,
				procedures, safeguards and customer information systems to manage and control
				risks.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.842 - Initial privacy notice to consumers required

Current through June 11, 2024
1.
				Except as otherwise provided in this section, a licensee shall provide a clear
				and conspicuous notice that accurately reflects the privacy policies and
				practices of the licensee to:
(a) A natural
				person who becomes a customer of the licensee not later than when the licensee
				establishes a customer relationship.
(b) If the licensee makes a disclosure other
				than as authorized by NAC 679B.872 and 679B.874, a consumer before the licensee
				discloses any nonpublic personal financial information about the consumer to a
				nonaffiliated third party.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.844 - Annual privacy notice to customers required

Current through June 11, 2024
1. A
				licensee shall provide a clear and conspicuous notice to customers that
				accurately reflects privacy policies and practices of the licensee not less
				than annually during the continuation of the customer relationship. A licensee
				may define the beginning of the period of 12 consecutive months, but the
				licensee must apply the period to customers on a consistent basis.
2. A licensee provides a notice annually if
				the licensee:
(a) Defines the period of 12
				consecutive months as a calendar year; and
(b) Provides the annual notice to the
				customer once in each calendar year following the calendar year in which the
				licensee provided the initial notice.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.846 - Information to be included in privacy notices: General items; description of parties subject to exceptions; categories of information collected and disclosed; categories of affiliates and nonaffiliated third parties to whom information disclosed

Current through June 11, 2024
1. In addition to
				any other information the licensee wishes to provide that applies to the
				licensee and to the consumers to whom the licensee sends a privacy notice, the
				initial, annual and revised privacy notices that a licensee provides pursuant
				to NAC 679B.842, 679B.844 and 679B.860, respectively, must include the
				following items of information:
(a) The
				categories of nonpublic personal financial information that the licensee
				collects.
(b) The categories of
				nonpublic personal financial information about the customers and former
				customers of the licensee that the licensee discloses.
(c) The categories of affiliates and
				nonaffiliated third parties to whom the licensee discloses nonpublic personal
				financial information, other than those parties to whom the licensee discloses
				information pursuant to NAC 679B.872 and 679B.874.
(d) The categories of affiliates and
				nonaffiliated third parties to whom the licensee discloses nonpublic personal
				financial information about the former customers of the licensee, other than
				those parties to whom the licensee discloses information pursuant to NAC
				679B.872 and 679B.874.
(e) If a
				licensee discloses nonpublic personal financial information to a nonaffiliated
				third party pursuant to NAC 679B.870, and no other exception in NAC 679B.872
				and 679B.874 applies to that disclosure, a separate description of the
				categories of information the licensee discloses and the categories of third
				parties with whom the licensee has contracted.
(f) An explanation of the right of the
				consumer pursuant to NAC 679B.864 to opt out of the disclosure of nonpublic
				personal financial information to nonaffiliated third parties, including,
				without limitation, the methods by which the consumer may exercise that right
				at that time.
(g) Any disclosures
				that the licensee makes pursuant to
				15 U.S.C. §
											1681 a(d)(2)(A)(iii) of the Fair Credit
				Reporting Act, which concerns notices of the ability to opt out of disclosures
				of information among certain affiliates.
(h) The policies and practices of the
				licensee with respect to protecting the confidentiality and security of
				nonpublic personal financial information.
(i) Any disclosure that the licensee makes
				pursuant to subsection 2.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.848 - Other information to be included in certain privacy notices; short form initial notice for noncustomers

Current through June 11, 2024
1. If a licensee
				discloses nonpublic personal financial information pursuant to the exception in
				NAC 679B.870 to a nonaffiliated third party to market products or services that
				the licensee offers alone or jointly with another financial institution, the
				licensee satisfies the disclosure requirement of paragraph (f) of subsection 1
				of NAC 679B.846 if the licensee:
(a) Lists the
				categories of nonpublic personal financial information it discloses, using the
				same categories and examples the licensee used to meet the requirements of NAC
				679B.846, if applicable; and
(b)
				States whether the third party is:
(1) A
				service provider that performs marketing services on behalf of the licensee, or
				on behalf of the licensee and another financial institution; or
(2) A financial institution with whom the
				licensee has a joint marketing agreement.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.850 - Requirements for privacy notice on website

Current through June 11, 2024
A licensee who provides a notice on a website shall:
1. Design the notice to call attention to the
				nature and significance of the information contained in the notice.
2. Use text or visual cues to encourage a
				reader of the notice to scroll down the page to view the entire
				notice.
3. Ensure that other
				elements on the website, including, without limitation, text, graphics,
				hyperlinks or sound, do not distract the attention of the reader from the
				notice.
4. Place the notice or a
				direct link to the notice on a web page that consumers frequently access,
				including, without limitation, a web page used for transactions.
5. Label the direct link to a notice to
				convey the importance, nature and relevance of the notice.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.852 - Sample clauses for use by licensees in complying with requirements for privacy notices

Current through June 11, 2024
1. Licensees,
				including, without limitation, a group of affiliates of a financial holding
				company that uses a common privacy notice, may use the sample clauses in this
				section for purposes of complying with the notices required pursuant to NAC
				679B.800 to 679B.878, inclusive.
2.
				The sample clauses in this section are not exclusive. A licensee who uses a
				sample clause shall, to the extent applicable, be deemed to be in compliance
				with the requirements of NAC 679B.800 to 679B.878, inclusive.
3. To satisfy the requirements of NAC
				679B.846 to describe the categories of nonpublic personal financial information
				the licensee collects, a licensee may use the following clause, which must be
				in substantially the following form:
We collect nonpublic personal financial information about you
				  from the following sources:
Information we receive from you on applications or other
				  forms;
Information about your transactions with us, our affiliates
				  or others; and
Information we receive from a consumer reporting
				  agency.
4. A licensee may
				use the clause in paragraph (a) or (b), as applicable, to satisfy the
				requirements of NAC 679B.846 to describe the categories of nonpublic personal
				financial information the licensee discloses. A licensee may use a clause in
				this subsection if the licensee discloses nonpublic personal financial
				information other than as permitted by the exceptions in NAC 679B.870, 679B.872
				and 679B.874. The clause must be in substantially one of the following forms:
(a) We may disclose the following kinds of
				nonpublic personal financial information about you:
Information we receive from you on applications or other
				  forms, such as (provide illustrative examples, such as "your name, address,
				  social security number, assets, income and beneficiaries");
Information about your transactions with us, our affiliates
				  or others, such as (provide illustrative examples, such as "your policy
				  coverage, premiums and payment history"); and
Information we receive from a consumer reporting agency, such
				  as (provide illustrative examples, such as "your creditworthiness and credit
				  history").
(b) We may
				disclose all the information that we collect, as described (describe location
				in the notice, such as "above" or "below").
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.854 - Circumstances under which licensee not subject to notice and opt-out requirements; compliance with requirements by surplus lines broker and surplus lines insurer

Current through June 11, 2024
1. A licensee is
				not subject to the notice and opt-out requirements for nonpublic personal
				financial information set forth in NAC 679B.800 to 679B.878, inclusive, if:
(a) The licensee is an employee, agent or
				other representative of a principal who is another licensee;
(b) The principal otherwise complies with the
				requirements of NAC 679B.800 to 679B.878, inclusive, by providing the required
				notices; and
(c) The licensee does
				not disclose any nonpublic personal financial information to any person other
				than the principal or any affiliates of the principal in a manner permitted by
				NAC 679B.800 to 679B.878, inclusive.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.856 - Form of opt-out notice to consumers; opt-out methods

Current through June 11, 2024
1. If a licensee is required to provide an
				opt-out notice pursuant to NAC 679B.864, the notice must contain a clear and
				conspicuous notice that accurately explains the right to opt out. The notice
				must state:
(a) That the licensee discloses
				or reserves the right to disclose nonpublic personal financial information
				about the consumer to a nonaffiliated third party;
(b) That the consumer has the right to opt
				out of that disclosure; and
(c) A
				reasonable means by which the consumer may exercise the right to opt
				out.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.858 - Form of opt-out notice to joint consumers; opt-out methods

Current through June 11, 2024
1. If two or more consumers jointly obtain an
				insurance product or service from a licensee, the licensee may provide a single
				opt-out notice.
2. In addition to
				the requirements of NAC 679B.856, an opt-out notice provided by a licensee must
				explain how the licensee will treat an opt-out direction by a joint
				consumer.
3. Any joint consumer may
				exercise the right to opt out. The licensee may:
(a) Treat an opt-out direction by a joint
				consumer as applying to all the associated joint consumers; or
(b) Permit each joint consumer to opt out
				separately.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.860 - Revised privacy notices

Current through June 11, 2024
1. Except as
				otherwise provided in NAC 679B.800 to 679B.878, inclusive, a licensee shall
				not, directly or through an affiliate, disclose any nonpublic personal
				financial information about a consumer to a nonaffiliated third party other
				than a disclosure described in the initial notice that a licensee provides to a
				consumer pursuant to NAC 679B.842, unless:
(a)
				The licensee has provided the consumer with a clear and conspicuous revised
				notice that accurately describes the policies and practices of the
				licensee;
(b) The licensee has
				provided the consumer with a new opt-out notice;
(c) Before the licensee discloses the
				information to a nonaffiliated third party, the licensee has given the consumer
				a reasonable opportunity to opt out of the disclosure; and
(d) The consumer does not opt out.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Privacy and Opt-Out Notices › Section 679B.862 - Delivery of notices

Current through June 11, 2024
1. A licensee shall
				deliver any notice required pursuant to NAC 679B.800 to 679B.878, inclusive, so
				that a consumer can reasonably be expected to receive actual notice in writing
				or, if the consumer agrees, electronically.
2. A licensee may reasonably expect that a
				consumer will receive actual notice if the licensee:
(a) Hand-delivers a printed copy of the
				notice to the consumer;
(b) Mails a
				printed copy of the notice separately, or with a policy, bill or other written
				communication, to the last known address of the consumer;
(c) For a consumer who conducts transactions
				electronically, posts the notice electronically and requires the consumer to
				acknowledge receipt of the notice as a necessary step to obtaining a particular
				insurance product or service; or
(d) For an isolated transaction with a
				consumer, posts the notice and requires the consumer to acknowledge receipt of
				the notice as a necessary step to obtaining the particular insurance product or
				service.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Limitations on Disclosure of Certain Financial Information › Section 679B.864 - Disclosure of information to nonaffiliated third parties

Current through June 11, 2024
1. Except as otherwise provided in this
				regulation, a licensee may not, directly or through an affiliate, disclose any
				nonpublic personal financial information about a consumer to a nonaffiliated
				third party unless:
(a) The licensee has
				provided the consumer with an initial notice pursuant to NAC
				679B.842;
(b) The licensee has
				provided the consumer with an opt-out notice pursuant to NAC
				679B.856;
(c) The licensee has
				given the consumer a reasonable opportunity, before the licensee discloses the
				information to the nonaffiliated third party, to opt out of the disclosure;
				and
(d) The consumer does not opt
				out.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Limitations on Disclosure of Certain Financial Information › Section 679B.866 - Redisclosure and reuse of information

Current through June 11, 2024
1. If a licensee
				receives nonpublic personal financial information from a nonaffiliated
				financial institution pursuant to NAC 679B.872 or 679B.874, the licensee may:
(a) Disclose the information to the
				affiliates of the financial institution from which the licensee received the
				information;
(b) Disclose the
				information to affiliates of the licensee who may disclose and use the
				information only to the extent that the licensee may disclose and use the
				information; and
(c) Disclose and
				use the information pursuant to NAC 679B.872 or 679B.874 in the ordinary course
				of business to carry out the activity covered by the exception pursuant to
				which the licensee received the information.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Limitations on Disclosure of Certain Financial Information › Section 679B.868 - Disclosure of policy number or similar form of access number or access code for policy or transaction account for marketing purposes

Current through June 11, 2024
1. Except as otherwise provided in subsection
				2, a licensee shall not, directly or through an affiliate, disclose, other than
				to a consumer reporting agency, a policy number or similar form of access
				number or access code for the policy or transaction account of a consumer to
				any nonaffiliated third party for use in:
(a)
				Telemarketing;
(b) Direct mail
				marketing; or
(c) Marketing through
				electronic mail to the consumer.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Exceptions to Limitations on Disclosure of Certain Financial Information › Section 679B.870 - Exceptions to opt-out requirements for disclosure of information for service providers and joint marketing

Current through June 11, 2024
1. The opt-out
				requirements in NAC 679B.856 and 679B.864 do not apply when a licensee provides
				nonpublic personal financial information to a nonaffiliated third party to
				perform services for the licensee or functions on behalf of the licensee, if
				the licensee:
(a) Provides the initial notice
				in accordance with NAC 679B.842; and
(b) Enters into a joint agreement with the
				third party that prohibits the third party from disclosing or using the
				information other than to carry out the purposes for which the licensee
				disclosed the information, including use pursuant to an exception in NAC
				679B.872 or 679B.874 in the ordinary course of business to carry out those
				purposes.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Exceptions to Limitations on Disclosure of Certain Financial Information › Section 679B.872 - Exceptions to notice and opt-out requirements for disclosure of information for processing and servicing transactions

Current through June 11, 2024
1. The requirements
				for initial notice pursuant to NAC 679B.842, the opt-out notice pursuant to NAC
				679B.856 and 679B.864, and the requirements applicable to service providers and
				joint marketing in NAC 679B.870 do not apply:
(a) If the licensee discloses nonpublic
				personal financial information necessary to effect, administer or enforce a
				transaction that a consumer requests or authorizes; or
(b) In connection with:
(1) Servicing or processing an insurance
				product or service that a consumer requests or authorizes;
(2) Maintaining or servicing the account of a
				consumer with a licensee, or with another entity as part of a program involving
				a private label credit card or other extension of credit on behalf of such an
				entity;
(3) A proposed or actual
				securitization, a secondary market sale, including sales of servicing rights,
				or a similar transaction related to a transaction of the consumer;
(4) Reinsurance, stop loss insurance or
				excess loss insurance; or
(5)
				Informing a policyholder, or the producer or broker of a policyholder,
				regarding a claim asserted by or paid to a consumer pursuant to a policy,
				including the servicing or processing of such a claim.
Nevada Administrative Code › Chapter 679B - Commissioner of Insurance › DISCLOSURE OF NONPUBLIC PERSONAL FINANCIAL INFORMATION › Miscellaneous Provisions › Section 679B.876 - Discrimination prohibited

Current through June 11, 2024
A licensee shall not unfairly discriminate against any
				  consumer or customer because the consumer or customer has opted out from the
				  disclosure of nonpublic personal financial information pursuant to NAC 679B.800
				  to 679B.878, inclusive.
Added to NAC by Comm'r
				  of Insurance by R130-01, eff. 12-17-2002
NRS
					 679B.130,
					 686A.025