Statutes and regulations

Insurance Telematics and Usage-Based Auto Insurance

NY Insurance Circular Letter No. 4 (2014) · New York · Agency guidance

New York DFS Insurance Circular Letters › Insurance Telematics and Usage-Based Auto Insurance

Just as importantly, telematics-based UBI programs can lead to safer driving by insureds by giving them timely feedback about driving habits that are most relevant to their insurer. 2. … The precise contours of each telematics program vary y feedback about driving habits that are most relevant to their insurer. 2.

Notice Re Additional Living Expense Coverage When Homes are Uninhabitable as a Result of 2025 Los Angeles Wildfires

CA Insurance Notice: Notice Re Additional Living Expense Coverage When Homes are Uninhabita · California · Agency guidance

California DOI Insurance Notices › Notice Re Additional Living Expense Coverage When Homes are Uninhabitable as a Result of 2025 Los Angeles Wildfires

The fact that an area is now accessible does not automatically mean the residences in those areas are habitable, especially given the on-going health and safety reasons as those described above by County … If a neighborhood or specific home is deemed uninhabitable, I expect all insurance companies to continue providing Additional Living Expenses coverage until the home is deemed habitable, subject to applicable

Interagency Guidance to Encourage Financial Institution Youth Savings Programs and Address Related Frequently Asked Questions

FDIC FIL-11-2015 · Federal · Agency guidance

FDIC Financial Institution Letters › Interagency Guidance to Encourage Financial Institution Youth Savings Programs and Address Related Frequently Asked Questions

These programs are intended to help young people learn savings habits early and are generally linked to a financial education program. … These programs are intended to help young people learn savings habits early and are generally linked to a financial education program.

MO Insurance Bulletin 2025-10: Post Storm Cancellations and Non-Renewals

MO Insurance Bulletin 2025-10 · Missouri · Agency guidance

Missouri Department of Commerce and Insurance Bulletins › MO Insurance Bulletin 2025-10: Post Storm Cancellations and Non-Renewals

Policyholders impacted by a disaster should always be given a reasonable amount of time to complete repairs necessary, to make the insured premises habitable and to return the property to its pre-loss … sufficient time to complete necessary repairs without having to worry about finding replacement insurance coverage reasonable amount of time to complete repairs necessary, to make the insured premises habitable

Revised Approval of Life, Annuity and Accident and Health Policy Forms, Applications, Riders, Amendments and Endorsements

CT Insurance Bulletin PF-04 · Connecticut · Agency guidance

Connecticut Insurance Department Bulletins › Revised Approval of Life, Annuity and Accident and Health Policy Forms, Applications, Riders, Amendments and Endorsements

(e) Applications shall not contain nebulous questions such as, "Are you of good moral habits? Do you drink to excess? etc." … (e) Applications shall not contain nebulous questions such as, "Are you of good moral habits? Do you drink to excess? etc."

Armed Forces Enlistment as an Alternative to Federal Prosecution

Justice Manual § 9-2.021 · Federal · Agency guidance

Agency Guidance › DOJ Justice Manual › Title 9: Criminal › 9-2.000 - Authority Of The U.S. Attorney In Criminal Division Matters/Prior Approvals › Justice Manual § 9-2.021

military service, together with other factors, may be considered in deciding to decline prosecution if the offense is trivial or insubstantial, the offender is generally of good character, has no record or habits

New Jersey Quitnet and New Jersey Quitline

NJ DOBI Bulletin 2001-04 · New Jersey · Agency guidance

New Jersey Department of Banking and Insurance Bulletins › New Jersey Quitnet and New Jersey Quitline

DHSS is providing two new free services that are available to consumers to help them kick the tobacco habit -- New Jersey Quitline (8-866-NJ-STOPS or 1-866-657-8677) and New Jersey Quitnet (www.nj.quitnet.com

Changes in Vehicle Usage Due to COVID-19 Pandemic

MD Insurance Bulletin 21-01 · Maryland · Agency guidance

Maryland Insurance Administration Bulletins › Changes in Vehicle Usage Due to COVID-19 Pandemic

Driving habits, both in terms of vehicle usage and the number of annual miles being driven, have changed for many Marylanders as a result of the pandemic.

FDIC Releases Report on its Youth Savings Pilot and Launches New Network to Support Youth Savings Collaborations

FDIC FIL-13-2017 · Federal · Agency guidance

FDIC Financial Institution Letters › FDIC Releases Report on its Youth Savings Pilot and Launches New Network to Support Youth Savings Collaborations

 Financial education and school-based savings programs encourage savings habits at a formative age and have the potential to promote economic inclusion for entire families.

Year 2000 Coverage and Endorsements

TDI Commissioner's Bulletin B-0060-98 · Texas · Agency guidance

Texas Department of Insurance Commissioner's Bulletins › Year 2000 Coverage and Endorsements

The Department will not approve the attachment of exclusion or limiting endorsements for use with general liability coverage to mercantile, lodging and habitational, or institutional (churches or schools … The Department will not approve the attachment of exclusion or limiting endorsements for use with general liability coverage to mercantile, lodging and habitational, or institutional (churches or schools

Youth Savings Programs: Guidance to Encourage Financial Institutions' Youth Savings Programs and Address Related Frequently Asked Questions

OCC Bulletin 2015-16 · Federal · Agency guidance

OCC Bulletins › Youth Savings Programs: Guidance to Encourage Financial Institutions' Youth Savings Programs and Address Related Frequently Asked Questions

Through experiential learning, students learn about the value of savings by opening and managing savings accounts, which helps to form savings habits early students run their school's bank branch with … Through experiential learning, students learn about the value of savings by opening and managing savings accounts, which helps to form savings habits early.

Bulletin 98-2 Personal Lines Property Insurance For Earthquake Damages

KY Insurance Advisory Opinion 1999-12 · Kentucky · Agency guidance

Kentucky Department of Insurance Bulletins and Advisory Opinions › Bulletin 98-2 Personal Lines Property Insurance For Earthquake Damages

The Bulletin is applicable to all personal lines property policies covering habitational (residential) risks whether buildings or contents.

AZ Circular Letter 2000-04: Common Areas of Regulatory Non-Compliance in Personal Lines

AZ Circular Letter 2000-04 · Arizona · Agency guidance

Arizona Department of Insurance and Financial Institutions Bulletins › AZ Circular Letter 2000-04: Common Areas of Regulatory Non-Compliance in Personal Lines

. § 20-2102(18) defines “personal information” as including information about an individual’s character, habits, avocations, finances, occupation, credit, health or other personal characteristics R.S. … A.R.S. § 20-2102(18) defines “personal information” as including information about an individual’s character, habits, avocations, finances, occupation, credit, health or other personal characteristics.

Best Practices Guide

NLRB General Counsel Memorandum GC 03-03 · Federal · Agency guidance

NLRB General Counsel Memoranda › Best Practices Guide

Mentors should possess these qualities: excellent technical expertise, work habits, interpersonal skills, communication skills, and knowledge of office policies and procedures. … Mentors should possess these qualities: excellent technical expertise, work habits, interpersonal skills, communication skills, and knowledge of office policies and procedures.

April 28, 2000 Data Call to Insurers and Statistical Reporting  Organizations Regarding the Geographical Distribution of  Residential Property Writings in Maryland

MD Insurance Bulletin 00-18 · Maryland · Agency guidance

Maryland Insurance Administration Bulletins › April 28, 2000 Data Call to Insurers and Statistical Reporting  Organizations Regarding the Geographical Distribution of  Residential Property Writings in Maryland

Non-Homeowners Residential Property: Those policies providing coverage for a house, townhouse, condominium or other habitable structure that is used principally as a residence under any policy form with

AZ Regulatory Bulletin 2002-02: Information Privacy Issues; Correction of Bulletin 2001-11

AZ Regulatory Bulletin 2002-02 · Arizona · Agency guidance

Arizona Department of Insurance and Financial Institutions Bulletins › AZ Regulatory Bulletin 2002-02: Information Privacy Issues; Correction of Bulletin 2001-11

1 Under this exception, the insurance entity may not share: (1) medical record information, (2) privileged information, (3) personal information relating to an individual’s character, personal habits

AZ Circular Letter 2000-12: Enforcement of Gramm-Leach-Bliley Privacy Requirements

AZ Circular Letter 2000-12 · Arizona · Agency guidance

Arizona Department of Insurance and Financial Institutions Bulletins › AZ Circular Letter 2000-12: Enforcement of Gramm-Leach-Bliley Privacy Requirements

Letter 2000-12 October 3, 2000 Page 2 “individually identifiable information gathered in connection with an insurance transaction and from which judgments can be made about an individual’s character, habits

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

marketing purposes to non-affiliated third parties on an “opt-out” basis, as discussed more fully below, but only if it does not include health information or information about character, personal habits … Under the Maine Insurance Privacy Act, even if the consumer has declined to opt out, information shared by implied consent may not include health information or information about character, personal habits

2013-01 Rate Filing Procedurers for Health Insurance Rate Change Requests, etc

SC Insurance Bulletin 2013-01 · South Carolina · Agency guidance

South Carolina Department of Insurance Bulletins › 2013-01 Rate Filing Procedurers for Health Insurance Rate Change Requests, etc

this section may be construed to prevent the use of age, sex, area, industry, occupational, and avocational factors or to prevent the use of different rates for smokers and nonsmokers or for any other habit … may be construed to prevent the use of age, sex, area, industry, occupational, and avocational factors or to prevent the use of different rates for smokers and nonsmokers or for any other habit or habits

Revisions to the General Counsel Mentoring Program

NLRB General Counsel Memorandum GC 09-05 · Federal · Agency guidance

NLRB General Counsel Memoranda › Revisions to the General Counsel Mentoring Program

Mentors should possess these qualities: excellent interpersonal skills, communication skills, technical expertise, good work habits, and knowledge of office policies and procedures. … Mentors should possess these qualities: excellent interpersonal skills, communication skills, technical expertise, good work habits, and knowledge of office policies and procedures.