Statutes and regulations

Consumer Privacy Obligations of Regulated Insurance Entities

ME Insurance Bulletin 308 · Maine · Agency guidance

Maine Bureau of Insurance Bulletins › Consumer Privacy Obligations of Regulated Insurance Entities

states that have enacted insurance privacy laws based on the NAIC Model Privacy Act, consumers have the following additional rights: • The right to obtain access to recorded personal information in the possession … underwriting decision ct, consumers have the following additional rights: • The right to obtain access to recorded personal information in the possession or control of a regulated insurance entity

Implementation of the Driver’s License Access and Privacy Act or “Green Light Law”

NY Insurance Circular Letter No. 1 (2020) · New York · Agency guidance

New York DFS Insurance Circular Letters › Implementation of the Driver’s License Access and Privacy Act or “Green Light Law”

Further, an insurer may not reject a motor vehicle insurance applicant who possesses a New York driver’s license solely because the applicant has not owned or insured a vehicle during the prior 39 months … lawful status in the United States in any data sources, algorithms, or predictive models relied upon for underwriting or rating purposes or otherwise; recognize that Insurance Law § 2802 prohibits any adverse

Requirements For Insurers Using Consumer Reports Or Credit Scoring

AR Insurance Directive 2-2002 · Arkansas · Agency guidance

Arkansas Insurance Department Bulletins and Directives › Requirements For Insurers Using Consumer Reports Or Credit Scoring

filed with the Commissioner to determine placement which reflects credit as a neutral characteristic; or (5) Refusing to issue or renew a policy solely because the applicant or insured does not possess … (2) A statement that the credit reporting agency did not make the adverse decision and is not able to explain why the decision was made.

Bulletin 2018-02 South Carolina Insurance Data Security Act

SC Insurance Bulletin 2018-02 · South Carolina · Agency guidance

South Carolina Department of Insurance Bulletins › Bulletin 2018-02 South Carolina Insurance Data Security Act

that is not publicly available information and is: (a) business-related information of a licensee the tampering with which, or unauthorized disclosure, access, or use of which, would cause a material adverse … that is not publicly available information and is: (a) business-related information of a licensee the tampering with which, or unauthorized disclosure, access, or use of which, would cause a material adverse

TN Insurance Bulletin 15-02: Credit for Reinsurance Ceded to Unauthorized Reinsurers by Tennessee Captive Insurance Companies

TN Insurance Bulletin 15-02 · Tennessee · Agency guidance

Tennessee Department of Commerce and Insurance Bulletins › TN Insurance Bulletin 15-02: Credit for Reinsurance Ceded to Unauthorized Reinsurers by Tennessee Captive Insurance Companies

Absent adverse notification from the Department, captive insurance companies may deem their existing unauthorized reinsurance arrangements that were included in the original business plan, or were included … Any type of proposed pooling arrangement should include information sufficient to satisfy the Department that adequate controls are present and that the pooling arrangement, and its participants, possesses

Prudent Commercial Real Estate Loan Accommodations and Workouts

SR 23-5 · Federal · Agency guidance

Federal Reserve SR/CA Letters › Prudent Commercial Real Estate Loan Accommodations and Workouts

Even if not legally obligated, financially responsible sponsors are similar to guarantors in that they may also possess the financial ability, the demonstrated willingness, and may have an incentive … Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Policy Statement Regarding Certification of New Interstate Natural Gas Facilities

Docket No. PL18-1-000 (2022-02-17): Policy Statement Regarding Certification of New Interstate Natural Gas Facilities · Federal · Agency guidance

FERC Policy Statements › Policy Statement Regarding Certification of New Interstate Natural Gas Facilities

Adverse Effects 94. … The nouns in the phrase possess connotations which have evolved from the half-century experience of government in the regulation of transportation.”); see generally S. Rep.

Response to COVID-19 Public Health Emergency

DC DISB Bulletin: Response to COVID-19 Public Health Emergency · District of Columbia · Agency guidance

DC DISB Insurance Bulletins and Notices › Response to COVID-19 Public Health Emergency

The Department will be instituting expedited grievance procedures to review adverse decisions on requests for coverage for COVID-19 related health services. 2. … care: Carriers are reminded that District law requires coverage of emergency services, with network-level cost-sharing regardless of the status of the emergency provider, whenever a prudent layperson, possessing

Subprime Lending

SR 99-6 (GEN) · Federal · Agency guidance

Federal Reserve SR/CA Letters › Subprime Lending

Subprime borrowers represent a broad spectrum of debtors ranging from those who have exhibited repayment problems due to an adverse event, such as job loss or medical emergency, to those who persistently … Subprime lending requires specialized knowledge and skills that many financial institutions may not possess.

ADT, LLC (21-CA-209339)

NLRB Division of Advice Memorandum, Case No. 21-CA-209339 (ADT, LLC) · Federal · Agency guidance

NLRB Division of Advice Memoranda (rolling 10-year window) › ADT, LLC (21-CA-209339)

It defines “Confidential Information” in three categories: proprietary information owned by or otherwise in the Employer’s possession or control, such as “business plans, internal correspondence, [and … security, credit card and bank account numbers, and similarly personally identifiable information”; and HIPAA-related information ories: proprietary information owned by or otherwise in the Employer’s possession

Guidance Regarding Restrictions on Institutions in Troubled Condition

SR 03-6 · Federal · Agency guidance

Federal Reserve SR/CA Letters › Guidance Regarding Restrictions on Institutions in Troubled Condition

The request must detail the proposed payments and demonstrate that the state member bank or bank holding company does not possess and is not aware of any evidence that there is reasonable … payment has committed any fraud, breach of fiduciary duty, insider abuse, or materially violated any applicable banking law or regulation that had or is likely to have a material adverse

Feedback, Complaints, Misconduct, and Discrimination

USCIS Policy Manual, Vol. 1, Pt. A, Ch. 9 · Federal · Agency guidance

Agency Guidance › USCIS Policy Manual › Volume 1 - General Policies and Procedures › Part A - Public Services › USCIS Policy Manual, Vol. 1, Pt. A, Ch. 9

misconduct; - Theft or misuse of funds and theft of government property; - Perjury; - Physical assault; [5] - Unauthorized release of classified or special protected class [6] information; - Drug use or possession … As a matter of procedure, OI does not provide a complainant, victim, witness, or subject of a complaint with the investigative determination of a complaint, since a disclosure of this nature could adversely

Letter concludes that a national bank's ownership of a non-controlling interest in an insurance company that reinsures mortgage life, mortgage accidental death, and mortgage disability insurance on loans originated by the lenders with an ownership interest in the insurance company is permissible. (08/03/98)

OCC Interpretive Letter No. 835 · Federal · Agency guidance

OCC Interpretive Letters › Letter concludes that a national bank's ownership of a non-controlling interest in an insurance company that reinsures mortgage life, mortgage accidental death, and mortgage disability insurance on loans originated by the lenders with an ownership interest in the insurance company is permissible. (08/03/98)

MIMLIC merely assumes the risk that the loan borrowers may experience adverse circumstances that interfere with their ability to repay loans. … Lakeland holds only a 2.9% voting stock interest in MIMLIC and thus, does not possess the power to control the activities of MIMLIC.

Adjudicative Factors

USCIS Policy Manual, Vol. 12, Pt. F, Ch. 2 · Federal · Agency guidance

Agency Guidance › USCIS Policy Manual › Volume 12 - Citizenship and Naturalization › Part F - Good Moral Character › USCIS Policy Manual, Vol. 12, Pt. F, Ch. 2

[23] For cases arising in the Ninth Circuit involving state law convictions for simple possession of a controlled substance, please consult local counsel as the date of the conviction may affect whether … [24] See 8 CFR 316.10(c)(3)(i) and 8 CFR 316.10(c)(3)(ii) . th Circuit involving state law convictions for simple possession of a controlled substance, please consult local counsel as the date of the

Summary of Insurance Laws Enacted in 2024

MD Insurance Bulletin 24-15 · Maryland · Agency guidance

Maryland Insurance Administration Bulletins › Summary of Insurance Laws Enacted in 2024

● Amends § 15-10A-06 of the Insurance Article to require carriers to include in their quarterly adverse decision and grievance reports to the Insurance Commissioner (1) whether the adverse decision … Article, establishing the Online Data Privacy Act (“the Act”), to provide comprehensive regulation of multiple aspects of online commercial usage of personal data by persons who are legitimately in possession

Ensuring Transparency in Prior Authorization Act (P.L. 2023, c. 296)

NJ DOBI Bulletin 2024-17 · New Jersey · Agency guidance

New Jersey Department of Banking and Insurance Bulletins › Ensuring Transparency in Prior Authorization Act (P.L. 2023, c. 296)

to a request for prior authorization, the carrier shall notify the provider in writing within the timeframes specified above and shall identify the specific information needed to approve or make the adverse … In determining if a claim involves urgent care, a carrier shall apply the judgement of a prudent layperson who possesses an average knowledge of health and medicine.

Interagency Guidance on Credit Risk Review Systems

SR 20-13 · Federal · Agency guidance

Federal Reserve SR/CA Letters › Interagency Guidance on Credit Risk Review Systems

Page 4 of 8 management or have received an adverse risk rating. • Evaluation of the effectiveness of approved workout plans. … In addition, qualified credit risk review personnel possess knowledge of relevant laws, regulations, and supervisory guidance.

Certification of Independent Review Organizations

IN Bulletin 188 · Indiana · Agency guidance

Indiana Department of Insurance Bulletins › Certification of Independent Review Organizations

Work performed should be broken down into the following review types: a) Preliminary review; b) Situations where full review is not necessary owing to reversal by the insurer of its adverse determination … This list must include a brief description of the nature of any such arrangement. 7) A description of how the organization will: a) Provide licensed review personnel who possess the appropriate training

Rating the Adequacy of Risk Management Processes and Internal Controls at State Member Banks and Bank Holding Companies

SR 95-51 (SUP) · Federal · Agency guidance

Federal Reserve SR/CA Letters › Rating the Adequacy of Risk Management Processes and Internal Controls at State Member Banks and Bank Holding Companies

Accordingly, senior management should be fully involved in the activities of their institutions and possess sufficient knowledge of all major business lines to ensure that appropriate policies, controls … Senior management is also responsible for establishing and communicating a strong awareness of and need for effective internal controls and high ethical standards institutions and possess sufficient

GE Appliances, Haier (21-CA-202535)

NLRB Division of Advice Memorandum, Case No. 21-CA-202535 (GE Appliances, Haier) · Federal · Agency guidance

NLRB Division of Advice Memoranda (rolling 10-year window) › GE Appliances, Haier (21-CA-202535)

effect[] on the bargaining process.”12 We conclude that the Union’s request to record investigatory interviews and team meetings implicates the same potential adverse effects on the bargaining … The Union’s possession of such recordings could foreseeably hamper discussions between the Union and the Customer Service Manager aimed at resolving workplace disputes in an informal manner or during