# Tenn. Code Ann. § 56-49-102: Applicability - Enforcement

> Tennessee · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-102

## Section

- **Citation:** Tenn. Code Ann. § 56-49-102
- **Heading:** Applicability - Enforcement
- **Jurisdiction:** Tennessee
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** TN Code / Title 56 / Chapter 49 / Section 56-49-102

## Text

(a) This chapter applies to an insurer or agent transacting creditor-placed insurance as defined in this chapter. (b) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to this chapter, except: (1) Transactions involving extensions of credit primarily for business or commercial purposes; (2) Insurance on collateralized real property; (3) Insurance offered by the creditor and elected by the debtor at the debtor's option; (4) Insurance for which no specific charge is made to the debtor or the debtor's account; or (5) Blanket insurance, whether paid for by the debtor or the creditor. (c) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter. Acts 1999, ch. 144, § 2.
(a) This chapter applies to an insurer or agent transacting creditor-placed insurance as defined in this chapter.
(b) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to this chapter, except: (1) Transactions involving extensions of credit primarily for business or commercial purposes; (2) Insurance on collateralized real property; (3) Insurance offered by the creditor and elected by the debtor at the debtor's option; (4) Insurance for which no specific charge is made to the debtor or the debtor's account; or (5) Blanket insurance, whether paid for by the debtor or the creditor.
(1) Transactions involving extensions of credit primarily for business or commercial purposes;
(2) Insurance on collateralized real property;
(3) Insurance offered by the creditor and elected by the debtor at the debtor's option;
(4) Insurance for which no specific charge is made to the debtor or the debtor's account; or
(5) Blanket insurance, whether paid for by the debtor or the creditor.
(c) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter.
Acts 1999, ch. 144, § 2.

## Nearby sections

- [Tenn. Code Ann. § 56-49-101 Short title - Purpose](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-101.md)
- [Tenn. Code Ann. § 56-49-102 Applicability - Enforcement](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-102.md)
- [Tenn. Code Ann. § 56-49-103 Chapter definitions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-103.md)
- [Tenn. Code Ann. § 56-49-104 Effective dates of insurance - Insurance charges](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-104.md)
- [Tenn. Code Ann. § 56-49-105 Premium rates](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-105.md)
- [Tenn. Code Ann. § 56-49-106 Exclusion from coverage](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-106.md)
- [Tenn. Code Ann. § 56-49-107 Policy delivery to debtor](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-107.md)
- [Tenn. Code Ann. § 56-49-108 Commissioner approval of forms and rates](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-108.md)
- [Tenn. Code Ann. § 56-49-109 Refund of unearned premiums and charges](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-109.md)
- [Tenn. Code Ann. § 56-49-110 Payment in event of loss](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-110.md)
- [Tenn. Code Ann. § 56-49-111 Creditor right to require insurance](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-111.md)
- [Tenn. Code Ann. § 56-49-112 Premium remittance - Commissions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-112.md)
- [Tenn. Code Ann. § 56-49-113 Disclosure of insurance requirement](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-113.md)
- [Tenn. Code Ann. § 56-49-114 Investigations - Hearings and proceedings - Penalties for violations](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-114.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-102. Check the current official text before relying on it. Not legal advice.