How to stay out of HOT water?
|
|
- Christine Cannon
- 7 years ago
- Views:
Transcription
1 How to stay out of HOT water? (Keeping Title Agents LUKEWARM) William R. Lacy Arkansas Insurance Department
2 1200 West Third Street Little Rock, AR Phone FAX Sarah Harper Gray, Title Insurance Coordinator Nina Carter, Associate Counsel
3 Insurance Commissioner Jay Bradford
4 Commissioner Bradford was appointed in January 2009 by Governor Mike Beebe. Our Commissioner has more than four decades of experience in the insurance industry, including 30 years as founder of First Arkansas Insurance Group, a statewide network of independent property and casualty agencies. Customer service and consumer protection have been hallmarks of the Commissioner s career.
5 Previously, the Director of the Division of Behavioral Health Services within the AR Department of Human Services. Arkansas Legislature for 24 years.
6 The Arkansas Insurance Department gained jurisdiction over the licensing of title insurance agents on January 1, 2008, through the Arkansas Title Insurance Act, Act 684. The Department already had jurisdiction over title insurance companies. Ark. Code Ann et. seq. The ACT abolished the Arkansas Title Insurance Agents Licensing Board and transferred its power and duties to the Insurance Department.
7 Department Rules Promulgated Rule 87 Title Insurance Provides Department guidance to the Title Insurance Act Rule 88 Title Insurance Licensing and Appointment Fees
8 What does being a licensed title agent qualify me to do? The statutory definition of a title insurance agent is: an individual affiliated with a title insurance agency that is authorized on behalf of a title insurer (underwriter) to issue a title insurance report or title insurance policy.
9 Avoid Licensing Issues? The Title Agent License is a comprehensive license. Who needs a license?
10 Solicit Calculating title insurance rates subject to reissue rates, enhancements to coverage, endorsements or any deviation from any licensed title insurance agency s standard published rates Negotiate Explain, discuss or interpret coverage, analyze exposures or policies, or give opinions or recommendations as to coverage Counsel, urge or advise any prospective buyer or seller to purchase a particular policy or to insure with a particular company (insurer) Examination of title to determine marketability and insurability of title in accordance with the title insurer s underwriting practices Guaranteeing, warranting, or otherwise insuring the status of title, liens, encumbrances, or other matters of record Production, issuance and execution of a title insurance commitment or policy
11 Sell Indicate that requested coverage is or will be bound or issued Bind coverage A closing agent who explains, discusses or interprets coverage, analyzes exposures or policies, or gives opinions or recommendations as to coverage
12 Who doesn t need a license: Dispense brochures and other general information (so long as no conversation relating to the terms of a title insurance commitment and/or policy) Performs marketing duties under the supervision of a title insurance agent Gathering and receiving information from a potential policyholder to give to an agent Scheduling appointments with a title agent Quoting title insurance rates including references to a published or printed list or computer data base of standard rates prepared by a licensed title insurance agent Communicating with the policyholder or prospective policyholder in order to obtain factual information necessary to complete a title search of all matters of record Conducting a title search An individual performing escrow and real estate closing or settlement services and who does not solicit, sell or negotiate title insurance. Providing the document and obtaining purchasers and/or borrowers signatures on the written notice required by A.C.A (b)(1) A closing agent that provides closing services but does not otherwise engage in title insurance business
13 Additional Information Regarding Licensing: Highlights: Ark. Code Ann (11) "Negotiate" means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms, or conditions of the contract, provided that the person engaged in that act either sells insurance or obtains insurance from insurers for purchasers; Ark. Code Ann (13) "Sell" means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurance company; Ark. Code Ann (14) "Solicit" means attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a particular company;
14 How to keep a Title Insurance Agent s License? Renew of your License is Due by Your Birthday Complete Annual CE Maintain an Company Appointment and Agency Affiliation
15 Continue to be: Competent Trustworthy Financially Responsible Good Personal and Business Reputation Comply with the PLMA, Ark. Code Ann et seq. Who must be Licensed, Exceptions Assumed Business Names
16 How Can I Lose my Title Insurance Agent s License? License denial, nonrenewal, or revocation (a) The Insurance Commissioner may place on probation, suspend, revoke, or refuse to issue or renew an insurance producer s license or may levy a civil penalty in accordance with or any combination of actions for any one (1) or more of the following:
17 (1) Providing incorrect, misleading, incomplete, or materially untrue information in the license application; (2) Violating any of the following that calls into question the insurance producer s fitness to hold a license: (A) A law; or (B) A regulation, subpoena, or order of: (i) The commissioner; (ii) Another state s insurance commissioner; or (iii) A court of competent jurisdiction. (3) Obtaining or attempting to obtain a license through misrepresentation or fraud;
18 (4) Improperly withholding, misappropriating, or converting any moneys or properties received in the course of doing insurance business; (5) Intentionally misrepresenting the terms of an actual or proposed insurance contract or application for insurance; (6) Having been convicted of a felony; (7) Having admitted or been found to have committed any insurance unfair trade practice or fraud; (8) Using fraudulent, coercive, or dishonest practices or demonstrating incompetence, untrustworthiness, lack of good personal or business reputation, or financial irresponsibility;
19 (9) Having an insurance producer license or its equivalent denied, suspended, or revoked in any other state, province, district, or territory; (10) Forging another s name to an application for insurance or to any document related to an insurance transaction; (11) Improperly using notes or any other reference material to complete an examination for an insurance license; (12) Knowingly accepting insurance business from an individual who is not licensed;
20 (13) Failing to provide a written response after receipt of a written inquiry from the commissioner or his or her representative as to transactions under the license within thirty (30) days after receipt thereof unless the timely written response is knowingly waived in writing by the commissioner; (14) Failing to comply with an administrative or court order imposing a child support obligation; (15) Failing to pay state income tax or comply with any administrative or court order directing payment of state income tax; (16) Refusing to be examined or to produce any accounts, records, or files for examination; or (17) Failing to cooperate with the commissioner in an investigation when required by the commissioner.
21 Penalties--Liabilities (a) If the Insurance Commissioner determines that a title insurer, title insurance agency, title insurance agent, or any other person has violated this subchapter or any rule or order promulgated under this subchapter, the commissioner may order: (1)(A) Payment of a monetary penalty not to exceed one thousand dollars ($1,000) for each act or violation and not to exceed an aggregate penalty of ten thousand dollars ($10,000) unless the title insurer, title insurance agency, title insurance agent, or other person knew or reasonably should have known that the title insurer, title insurance agency, title insurance agent, or other person was in violation of this subchapter.
22 (B) If the title insurer, title insurance agency, title insurance agent, or other person knew or reasonably should have known that the title insurer, title insurance agency, title insurance agent, or other person was in violation of this subchapter, the penalty shall not exceed five thousand dollars ($5,000) for each act or violation and not exceed an aggregate penalty of fifty thousand dollars ($50,000) in any sixmonth period; or
23 (2) Suspension or revocation of the title insurer s, title insurance agency s, title insurance agent s, or other person s license if the title insurer, title insurance agency, title insurance agent, or other person knew or reasonably should have known that the title insurer, title insurance agency, title insurance agent, or other person was in violation of this subchapter. (b) If an order of rehabilitation or liquidation of the title insurer or of conservation of assets of the title insurer has been entered and the receiver appointed under the order determines that the title insurance agency or title insurance agent or any other person has not complied with this subchapter or any rule or order promulgated under this subchapter and the title insurer suffered any resulting loss or damage, the receiver may maintain a civil action for recovery of damages or other appropriate sanctions for the benefit of the title insurer and its policyholders and creditors. (c) This section does not affect the right of the commissioner to impose any other penalties provided under et seq.
24 Other Penalties Letter of Reprimand Probation Suspension Revocation of License By Consent Order After a Hearing by Order
25 Trade Practices Act , et seq. Unfair competition, unfair or deceptive acts Definitions Defamation False information and advertising False statements or misrepresentations
26 Mandatory Reporting of Fraudulent Insurance Acts (a) A person engaged in the business of insurance having knowledge or a reasonable belief that a fraudulent insurance act is being, will be, or has been committed shall provide to the Insurance Commissioner the information required by, and in a manner prescribed by, the commissioner. (b) Any person engaged in the business of insurance who knowingly fails to report as required by subsection (a) of this section shall be guilty of a Class A misdemeanor.
27 The Criminal Investigation Division (CID) is a division within the Arkansas Insurance Department. CID was created by the State Legislature in 1993 to investigate workers' compensation fraud. In 1997, the Legislature expanded our mandate to include all other types of insurance fraud. In 2001, the Legislature gave the division law enforcement status. That means our investigators carry weapons, serve warrants, and have the power to arrest suspects.
28 To report a suspected case of fraud: Mail or fax CID a copy of the Uniform Suspected Insurance Fraud Reporting Form, or Complete the national NAIC Online Reporting Form, or Call CID at (866) or (501) or at insurance.fraud@arkansas.gov.
29 Consumer Protection Consumer Protection is a focus Agent Education Insurer Solvency
30 Complaints Complaints can be filed by consumers or other agents Examine for Violations of the Insurance Code Possible Fraud? May Review Audits
31 Thank You! Please contact us if you have any other questions. Sarah Harper, Title Insurance Coordinator Arkansas Insurance Department 1200 West Third Street Little Rock, AR Phone FAX Nina Carter, Associate Counsel
32
QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide. For NEW YORK
QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide For NEW YORK LIFE, ACCIDENT & HEALTH INSURANCE AGENT / BROKER EXAMINATION SERIES 17-55 (April 2015 Edition) Click here http://www.insurance-schools.com/category.aspx?categoryid=516
More informationINSURANCE REGULATION 115 LIFE SETTLEMENTS
Table of Contents State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue, Bldg. 69-2 Cranston, RI 02920 INSURANCE REGULATION 115 LIFE
More information1.0 Insurance Regulation 15% of the test
1.0 Insurance Regulation 15% of the test 1.1 LICENSING The process of licensing in Pennsylvania is highly regulated. The Pennsylvania Department of Insurance supervises the process. You are about to find
More informationCHAPTER 80G BULLION COIN DEALERS
1 MINNESOTA STATUTES 2015 80G.01 CHAPTER 80G BULLION COIN DEALERS 80G.01 DEFINITIONS. 80G.02 REGISTRATION. 80G.03 REGISTRATION DENIAL, NONRENEWAL, REVOCATION, AND SUSPENSION. 80G.04 CRIMINAL CONVICTIONS.
More informationSTATE OF NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 LINCOLN, NE 68508 Switchboard (402) 471-2201 Licensing Division (402) 471-4913
STATE OF NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 LINCOLN, NE 68508 Switchboard (402) 471-2201 Licensing Division (402) 471-4913 REQUIREMENTS AND PROCEDURE FOR OBTAINING A CORPORATE INSURANCE
More informationGENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 HOUSE BILL 1313 RATIFIED BILL
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 HOUSE BILL 1313 RATIFIED BILL AN ACT TO PROVIDE FOR MEANINGFUL REGULATION OF INSURANCE PUBLIC ADJUSTERS. The General Assembly of North Carolina enacts: SECTION
More informationState of Nebraska Department of Insurance 941 O Street, Suite 400 Lincoln, NE 68508
QUALIFICATIONS State of Nebraska Department of Insurance 941 O Street, Suite 400 Lincoln, NE 68508 REQUIREMENTS AND PROCEDURE FOR OBTAINING AN INSURANCE CONSULTANT S LICENSE RESIDENT AND NONRESIDENT 1.
More informationINSURANCE AGENTS CHAPTER 10 LICENSING OF INSURANCE PRODUCERS
IAC 1/13/99 Insurance[191] Ch 10, p.1 IAC 1/13/99 INSURANCE AGENTS CHAPTER 10 LICENSING OF INSURANCE PRODUCERS 191 10.1(522) Purpose and authority. 10.1(1) The purpose of these rules is to govern the qualifications
More informationAPPRAISAL MANAGEMENT COMPANY
STATE OF ARKANSAS APPRAISER LICENSING AND CERTIFICATION BOARD APPRAISAL MANAGEMENT COMPANY STATUTES 1 ARKANSAS APPRAISER LICENSING AND CERTIFICATION BOARD APPRAISAL MANAGEMENT COMPANY STATUTES SUBCHAPTER
More informationInsurance Producer Licensing in Minnesota
Licensing Division Insurance Producer Licensing in Minnesota September 5, 2012 Introduction Minnesota issues half a million occupational and business licenses each year for approximately 900 license types
More informationOCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES. As Revised and in Effect on
OCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES As Revised and in Effect on September 1, 2009 Texas Real Estate Commission P.O. Box
More informationTEXAS MORTGAGE BROKER LICENSE ACT
Originally passed as S.B. No. 1074, 76th Legislature Amended by H.B. 1636 and H.B. 1493, 77th Legislature TEXAS MORTGAGE BROKER LICENSE ACT AN ACTrelating to the licensing of mortgage brokers; providing
More informationGUIDING PRINCIPLES FOR MICHIGAN INSURANCE PRODUCER LICENSURE
GUIDING PRINCIPLES FOR MICHIGAN INSURANCE PRODUCER LICENSURE Department of Insurance and Financial Services Office of Insurance Licensing and Market Conduct Revised Page 1 of 9 Introduction A primary mission
More informationNotice of Intent to Adopt Rules
1. General Information a. Agency/Board Name Notice of Intent to Adopt Rules Revised July 2014 b. Agency/Board Address c. City d. Zip Code e. Name of Contact Person f. Contact Telephone Number g. Contact
More informationTABLE OF CONTENTS. This act shall be known and may be cited as the Appraisal Management Company Registration Act.
Appraisal Management Company Registration Act 63 P.S. 457.21 457.31 (Current through 02/02/2012) (When referring to section numbers, use a truncated version of the number after the decimal point. For example,
More informationNebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193
45-189 Loan brokers; legislative findings. The Legislature finds that: Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 (1) Many professional groups are presently licensed or
More informationPUBLIC ADJUSTER LICENSING MODEL ACT
Model Regulation Service October 2005 PUBLIC ADJUSTER LICENSING MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section 10.
More informationCHAPTER 13-05 COLLECTION AGENCIES
CHAPTER 13-05 COLLECTION AGENCIES 13-05-01. Administration. The department of financial institutions shall use its facilities to administer and enforce this chapter. Any person or persons delegated to
More informationFINAL ORDER Effective: 11/08/2004
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Docket No. 3391-SO KEN CAMPBELL ) FINAL ORDER Effective: 11/08/2004 SUMMARY
More informationARKANSAS STATE BOARD OF ATHLETIC TRAINING PRACTICE ACT
ARKANSAS STATE BOARD OF ATHLETIC TRAINING PRACTICE ACT 17-93-402. Definitions. For purposes of this subchapter, unless the context otherwise requires: (1) Athlete means an individual who is participating
More informationState of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 029209
Table of Contents State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 029209 INSURANCE REGULATION 42 MOTOR VEHICLE
More informationIMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS.
Bill No. Introduced by: IMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, V'l ~ RaYTenori~ AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS. 1 BE IT ENACTED
More informationCredit Services Organization Act 24 O.S. 131 148
Credit Services Organization Act 24 O.S. 131 148 Chapter 8 Credit Services Organization Act Section 131 Short Title This act shall be known and may be cited as the "Credit Services Organization Act". Added
More informationCHAPTER 211. AN ACT concerning life insurance viatical settlements. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey:
CHAPTER 211 AN ACT concerning life insurance viatical settlements. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: C.17B:30A-1 Definitions relative to life insurance viatical
More informationOREGON SAMPLE INSURANCE Chapter - 1 Insurance Regulation
OREGON SAMPLE INSURANCE Chapter - 1 Insurance Regulation Before you can begin to learn about general insurance concepts or move on to more specific health insurance concepts, provisions and laws, it is
More informationCHAPTER 210. C.17:22A-26 Short title. 1. This act shall be known and may be cited as the "New Jersey Insurance Producer Licensing Act of 2001.
AN CHAPTER 210 ACT concerning the licensure of insurance producers, amending P.L.1960, c.32,supplementing Title 17 of the Revised Statutes and repealing parts of the statutory law. BE IT ENACTED by the
More informationUNOFFICIAL COPY OF SENATE BILL 660. ENROLLED BILL -- Finance/Economic Matters -- Read and Examined by Proofreaders:
I1 UNOFFICIAL COPY OF SENATE BILL 660 ENROLLED BILL -- Finance/Economic Matters -- (5lr2457) Introduced by Senator Astle Senators Astle and Exum Read and Examined by Proofreaders: Proofreader. Proofreader.
More informationCHAPTER 26.1-02.1 INSURANCE FRAUD
CHAPTER 26.1-02.1 INSURANCE FRAUD 26.1-02.1-01. Definitions. As used in this chapter: 1. "Business of insurance" means the writing of insurance or the reinsuring of risks by an insurer, including acts
More informationLife and Health Insurance. Illinois. State Law Supplement
Life and Health Insurance Illinois State Law Supplement Life and Health Insurance Illinois Effective January 1, 2015 State Law Supplement Important: Check for Updates States sometimes revise their exam
More informationNEBRASKA DEPARTMENT OF INSURANCE P.O. BOX 82089 LINCOLN, NE 68501-2089. Requirements For Transacting Business as a Managing General Agent
NEBRASKA DEPARTMENT OF INSURANCE P.O. BOX 82089 LINCOLN, NE 68501-2089 Requirements For Transacting Business as a Managing General Agent Article 49 Managing General Agents Section 44-4901 Act, how cited.
More informationLICENSING PROCEDURES FOR MANAGING GENERAL AGENTS TO OBTAIN AUTHORITY IN VIRGINIA
LICENSING PROCEDURES FOR MANAGING GENERAL AGENTS TO OBTAIN AUTHORITY IN VIRGINIA October 2005 GENERAL INFORMATION The 1992 Virginia General Assembly passed legislation requiring the licensing of managing
More informationSTATE OF CONNECTICUT INSURANCE DEPARTMENT
STATE OF CONNECTICUT INSURANCE DEPARTMENT Fraud, Licensee Investigations and Compliance Unit P.O. Box 816 Hartford, CT 06142-0816 APPLICATION FOR LIFE SETTLEMENT PROVIDER LICENSE General Instructions:
More informationArkansas State Board of Public Accountancy
APPENDIX ONE PHYSICAL ADDRESS The principle office and official address of the Board is as follows: Arkansas State Board of Public Accountancy, 101 East Capitol Avenue, Suite 450, Little Rock, AR 72201.
More informationProperty and Casualty Insurance
Property and Casualty Insurance Iowa Effective January 1, 2015 State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on short notice. To
More informationCHAPTER 13-10 MORTGAGE LOAN ORIGINATORS
CHAPTER 13-10 MORTGAGE LOAN ORIGINATORS 13-10-01. Purpose. The purpose of this chapter is to protect consumers seeking mortgage loans and to ensure that the mortgage lending industry is operating without
More informationWest s Annotated MISSISSIPPI CODE
West s Annotated MISSISSIPPI CODE Using the Classification and Numbering System of the Mississippi Code of 1972 Title 73 Professions and Vocations 2002 Cumulative Annual Pocket Part Chapter 60 HOME INSPECTORS
More informationIAC 11/18/09 Insurance[191] Ch 58, p.1 CHAPTER 58 THIRD-PARTY ADMINISTRATORS
IAC 11/18/09 Insurance[191] Ch 58, p.1 CHAPTER 58 THIRD-PARTY ADMINISTRATORS 191 58.1(510) Purpose. The purpose of this chapter is to administer the provisions of Iowa Code chapter 510 relating to the
More information77th OREGON LEGISLATIVE ASSEMBLY--2013 Regular Session. Senate Bill 387 SUMMARY
Sponsored by Senator BATES (Presession filed.) th OREGON LEGISLATIVE ASSEMBLY-- Regular Session Senate Bill SUMMARY The following summary is not prepared by the sponsors of the measure and is not a part
More informationTexas Department of Insurance Individual Insurance License Application
Texas Department of Insurance Individual Insurance License Application This application is only for applicants who must take or have taken a Prometric examination and applicants for a temporary license.
More informationSENATE FILE NO. SF0013. Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL. for
00 STATE OF WYOMING 0LSO-00 SENATE FILE NO. SF00 Residential Mortgage Practices Act. Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL for AN ACT relating to trade
More informationCHAPTER 26.1-31.1 REINSURANCE INTERMEDIARIES
CHAPTER 26.1-31.1 REINSURANCE INTERMEDIARIES 26.1-31.1-01. Definitions. As used in this chapter: 1. "Actuary" means a person who is a member in good standing of the American academy of actuaries. 2. "Controlling
More informationChapter 9 Uniform Athlete Agents Act
Chapter 9 Uniform Athlete Agents Act 15-9-101 Title. This chapter is known as the "Uniform Athlete Agents Act." 15-9-102 Definitions. As used in this chapter: (1) "Agency contract" means an agreement in
More informationDivision of Insurance, Petitioner v. Lisa Sue Mize, Respondent Docket No. E2009-03. Order on Petitioner's Motion for Summary Decision
Division of Insurance, Petitioner v. Lisa Sue Mize, Respondent Docket No. E2009-03 Introduction and Procedural History Order on Petitioner's Motion for Summary Decision On February 20, 2009, the Division
More informationCHAPTER 454M MORTGAGE SERVICERS
CHAPTER 454M MORTGAGE SERVICERS SECTION 454M-1 Definitions 454M-2 License required 454M-2.5 Unlicensed foreclosure actions voided 454M-3 Exemptions 454M-4 License; fees; renewals; voluntary surrender of
More informationTITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS
TITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS 41.01: Purpose and Scope The purpose of 209 CMR 41.00 et seq. is to establish procedures and requirements for the
More informationBEFORE THE COMMISSIONER OF INSURANCE
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Frank Dean Barber ) NPN # 923632, ) The Kansas Resident Insurance Agency
More informationAppraisal Management Company (AMC)
REAL ESTATE APPRAISER LICENSING AND CERTIFICATION BOARD Appraisal Management Company (AMC) Application Packet July 30, 2013 APPLICATION FOR REGISTRATION OF AN APPRAISAL MANAGEMENT COMPANY INSTRUCTIONS
More informationBart Posey vs. COMMERCE AND INSURANCE
University of Tennessee, Knoxville Trace: Tennessee Research and Creative Exchange Tennessee Department of State, Opinions from the Administrative Procedures Division Law 12-11-2013 Bart Posey vs. COMMERCE
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS. ) GUARANTEE TRUST LIFE INSURANCE COMPANY ) Docket No. 4273-MC NAIC # 64211 ) ) ORDER
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 8-19-11 In the Matter of ) GUARANTEE TRUST LIFE INSURANCE COMPANY ) Docket No. NAIC # 64211 ) ) ORDER Pursuant to the
More informationCONSUMER LOAN BROKER ACT. 81-19-11. Investigation of applicant; issuance or denial of license; time limit for acting on applications.
CONSUMER LOAN BROKER ACT Section 81-19-1. Short title. 81-19-3. Definitions. 81-19-5. License requirement; penalty for violation. 81-19-7. Exclusions from chapter coverage. 81-19-9. License application;
More informationDISTRICT OF COLUMBIA OFFICIAL CODE
DISTRICT OF COLUMBIA OFFICIAL CODE TITLE 31. INSURANCE AND SECURITIES. CHAPTER 50B. TITLE INSURANCE PRODUCERS. 2001 Edition DISTRICT OF COLUMBIA OFFICIAL CODE CHAPTER 50B. TITLE INSURANCE PRODUCERS. TABLE
More informationPublic Act No. 15-162
Public Act No. 15-162 AN ACT CONCERNING A STUDENT LOAN BILL OF RIGHTS. Be it enacted by the Senate and House of Representatives in General Assembly convened: Section 1. (NEW) (Effective October 1, 2015)
More informationSECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT. Division of Insurance, Petitioner v. Edward L. Austin, III, Respondent Docket No.
COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs and Business Regulation DIVISION OF INSURANCE 1000 Washington Street Suite 810 Boston, MA 02118-6200 (617) 521-7794 FAX (617) 521-7475 http://www.mass.gov/doi
More informationTITLE 81. BANKS AND FINANCIAL INSTITUTIONS CHAPTER 22. MISSISSIPPI DEBT MANAGEMENT SERVICES ACT [REPEALED EFFECTIVE JULY 1, 2013]
TITLE 81. BANKS AND FINANCIAL INSTITUTIONS CHAPTER 22. MISSISSIPPI DEBT MANAGEMENT SERVICES ACT [REPEALED EFFECTIVE JULY 1, 2013] Section 81-22-1. Short title [Repealed effective July 1, 2013] 81-22-3.
More informationRULE. Office of the Governor Real Estate Appraisers Board. Appraisal Management Companies (LAC 46:LXVII.Chapters 301-309)
RULE Office of the Governor Real Estate Appraisers Board Appraisal Management Companies (LAC 46:LXVII.Chapters 301-309) Under the authority of the newly enacted Appraisal Management Company Licensing and
More informationChapter 21 Credit Services Organizations Act
Chapter 21 Credit Services Organizations Act 13-21-1 Short title. This chapter is known as the "Credit Services Organizations Act." Enacted by Chapter 29, 1985 General Session 13-21-2 Definitions -- Exemptions.
More information304.9-430 Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial
304.9-430 Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial responsibility -- Exceptions to license requirement
More informationProperty and Casualty Insurance. Tennessee. State Law Supplement
Property and Casualty Insurance Tennessee State Law Supplement Property and Casualty Insurance Tennessee Effective November 10, 2014 State Law Supplement Important: Check for Updates States sometimes
More informationSTATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES. Issued,and entet'ed on d. f, 2015 B Teri L. Morante ChicfDepnty Director
In the matter of: STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES Before the Director of the Department of Insurance and Financial Services SAMIER S. MISHKOOR System ID No. 265571 EnforcenientCase
More informationCONCISE EXPLANATORY STATEMENT. Insurance Regulation 43 Insurance Claim Adjusters
State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920 CONCISE EXPLANATORY STATEMENT Insurance
More informationMortgage Loan Company Act
Mortgage Loan Company Act CHAPTER 58 ARTICLE 21 Mortgage Loan Companies and Loan Brokers Section: 58-21-1 Short title. 58-21-2 Definitions. 58-21-3 License required; qualified manager. 58-21-4 Application
More informationNEW YORK CITY TAXI AND LIMOUSINE COMMISSION. Notice of Public Hearing and Opportunity to Comment on Proposed Rules
NEW YORK CITY TAXI AND LIMOUSINE COMMISSION Notice of Public Hearing and Opportunity to Comment on Proposed Rules Notice is hereby given in accordance with section 1043 of the Charter of the City of New
More informationRegistration of Athlete Agents
Registration of Athlete Agents (June 2011) Andrew M. Cuomo Governor New York State DEPARTMENT OF STATE Division of Licensing Services www.dos.state.ny.us Cesar A. Perales Secretary of State Uniform Athlete
More informationJune 10, 2010. 2010 Legislative Amendments to the Indiana Code Relating to First Lien Mortgage Act (the Act )
June 10, 2010 2010 Legislative Amendments to the Indiana Code Relating to First Lien Mortgage Act (the Act ) Effective July 1, 2010 (except as otherwise indicated) Questions, Answers, and Administrative
More informationCONSULTANTS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY
United National Insurance Company United National Specialty Insurance Company Penn-Star Insurance Company A Stock Company Bala Cynwyd, PA Administrative Offices: Three Bala Plaza East, Suite 300 Bala Cynwyd,
More informationARTICLE 50-03 PHYSICIAN ASSISTANTS AND TECHNICIANS CHAPTER 50-03-01 PHYSICIAN ASSISTANTS
Chapter 50-03-01 Physician Assistants 50-03-02 Technicians 50-03-03 Emergency Medical Technicians 50-03-04 Fluoroscopy Technologists ARTICLE 50-03 PHYSICIAN ASSISTANTS AND TECHNICIANS CHAPTER 50-03-01
More informationHOUSE COMMITTEE ON APPROPRIATIONS FISCAL NOTE. SENATE BILL NO. 622 PRINTERS NO. 2222 PRIME SPONSOR: Ward
HOUSE COMMITTEE ON APPROPRIATIONS FISCAL NOTE SENATE BILL NO. 622 PRINTERS NO. 2222 PRIME SPONSOR: Ward COST / (SAVINGS) FUND FY 2013/14 FY 2014/15 Banking Fund $0 See Fiscal Impact SUMMARY: Creates a
More informationRules and Regulations Relating to The Licensing And Regulation. of The Private Security Guard Business
Rules and Regulations Relating to The Licensing And Regulation of The Private Security Guard Business Pursuant To The Private Security Guards Act of 1987 R.I.G.L. 5-5.1-1 et. seq. TABLE OF CONTENTS Section
More informationERRORS & OMISSIONS RENEWAL APPLICATION
ERRORS & OMISSIONS RENEWAL APPLICATION UNDERWRITING OFFICE: 14643 Dallas Parkway Suite 770 Dallas, TX 75254 THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY. THIS POLICY APPLIES ONLY TO THOSE
More informationConsumer Assistance under the Affordable Care Act. Module #1 Training Resource for Indiana Navigators
Consumer Assistance under the Affordable Care Act Module #1 Training Resource for Indiana Navigators 2 Module #1 Objectives After reviewing this module, you will be able to: Correctly identify consumer
More informationPrefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
Regular Session, 0 HOUSE BILL NO. BY REPRESENTATIVE PONTI Prefiled pursuant to Article III, Section (A)()(i) of the Constitution of Louisiana. FINANCIAL PLANNING: Provides relative to debt relief services
More informationSECURITY GUARD LICENSE GUIDE
SECURITY GUARD LICENSE GUIDE DISCLAIMER: The information provided below is not an all inclusive set of laws or rules and regulations that must be followed if licensure is obtained. The information below
More informationSelect coverage's interested in: Professional Health Business (Liability / Property) Commercial Auto Personal (Auto / Home) Other
Application / Quote Form Cover Page Request Requested Effective Date: Radigan Insurance & Associates - PO Box 71399 Phoenix AZ 85050 O: 866-576-0977 F: 877-576-0101 E: Service@RadiganInsurance.com W: www.radiganinsurance.com
More informationSECURITIES EXAMINER (ENTRY) 5670
SECURITIES EXAMINER (ENTRY) 5670 GENERAL DESCRIPTION OF CLASS The SECURITIES EXAMINER (ENTRY), under the guidance of a Securities Examiner, analyzes and evaluates the activities of individuals and businesses
More informationLEGISLATURE OF THE STATE OF IDAHO Sixtieth Legislature First Regular Session 2009 IN THE HOUSE OF REPRESENTATIVES HOUSE BILL NO.
LEGISLATURE OF THE STATE OF IDAHO Sixtieth Legislature First Regular Session 00 IN THE HOUSE OF REPRESENTATIVES HOUSE BILL NO. BY BUSINESS COMMITTEE 0 0 0 AN ACT RELATING TO THE RESIDENTIAL MORTGAGE PRACTICES
More informationProduct Liability Application All questions must be answered in full. Application must be signed and dated by the applicant.
Agency Name: Address: Contact Name: Phone: Fax: Email: Product Liability Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent
More informationExtracts from The Insurance Act, Insurance Agents and Adjusters Regulation and the Certificate Expiry, Penalties and Fees Regulation
The following sections are an overview of the relevant sections of the Act and Regulations concerning Restricted Certificate holders. This is not intended to be an exhaustive review of every requirement.
More informationSTATE OF WASHINGTON OFFICE OF THE INSURANCE COMMISSIONER
STATE OF WASHINGTON OFFICE OF THE INSURANCE COMMISSIONER In Vie Matter of John C. Hanson, Licensee. WAOICNO. 129057 NPN 757101 To: John C. Hanson 4618 S Napa St Spokane, WA 99223-6448 i.c.hansonfg'mn fti.com
More informationOklahoma Insurance Department Pre-registration Education Materials for Navigators
Oklahoma Insurance Department Pre-registration Education Materials for Navigators Consumer Privacy/HIPAA Compliance: In the course of performing the functions of a navigator, you may (and likely will)
More informationORDER. ( the Commissioner ) against Joseph B. Jehoich ( Jehoich ) pursuant to Maryland Code
MARYLAND INSURANCE BEFORE THE ADMINISTRATION v. MARYLAND INSURANCE ADMINISTRATION JOSEPH B. JEHOICH 5128 HEMLOCK AVENUE VIRGINIA BEACH, VA 23464 CASE NO.: MIA-2007-09-016 NPI NO.: 99966478 Enf. File No.:
More informationCHAPTER 533A DEBT MANAGEMENT
CHAPTER 533A DEBT MANAGEMENT 533A.1 Definitions. 533A.2 Licenses required exceptions. 533A.3 Investigation. 533A.4 Expiration date. 533A.5 Renewal. 533A.5A Change in control name or address. 533A.6 Appointment
More informationSTATE OF CONNECTICUT REGULATION of the DEPARTMENT OF CONSUMER PROTECTION (NAME OF AGENCY)
STATE OF CONNECTICUT REGULATION of the DEPARTMENT OF CONSUMER PROTECTION (NAME OF AGENCY) Concerning APPRAISAL MANAGEMENT COMPANIES (SUBJECT MATTER OF REGULATION) (NEW) Section 1. The Regulations of Connecticut
More information* * * a. four (4) years electrical work experience approved by the board; which shall include the following:
Regulation 6. Qualification for Examination. 6.2 An applicant for a journeyman electrician license shall have: a. four (4) years electrical work experience approved by the board; which shall include the
More informationNC General Statutes - Chapter 90B 1
Chapter 90B. Social Worker Certification and Licensure Act. 90B-1. Short title. This Chapter shall be known as the "Social Worker Certification and Licensure Act." (1983, c. 495, s. 1; 1999-313, s. 1.)
More informationERRORS & OMISSIONS INSURANCE APPLICATION
ERRORS & OMISSIONS INSURANCE APPLICATION UNDERWRITING OFFICE: 14643 Dallas Parkway Suite 770 Dallas, TX 75254 THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY. THIS POLICY APPLIES ONLY TO THOSE
More information63rd Legislature AN ACT GENERALLY REVISING THE MONTANA DEFERRED DEPOSIT LOAN ACT; EXTENDING THE TIME
63rd Legislature HB0116 AN ACT GENERALLY REVISING THE MONTANA DEFERRED DEPOSIT LOAN ACT; EXTENDING THE TIME TO REQUEST A HEARING; ADDING PENALTIES INCLUDING FORFEITURE OF LOAN PRINCIPAL FOR LOANS MADE
More informationCLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM
CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration
More informationADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER IN THE MATTER OF: * Aurora Investment Management Group LLC * File No.: 2015-0069 and * Ronald F. McDonald III, CRD # 2385464 * Respondents
More informationRULES AND REGULATIONS FOR LICENSING DOCTORS OF ACUPUNCTURE AND ACUPUNCTURE ASSISTANTS (R5-37.2-ACU)
RULES AND REGULATIONS FOR LICENSING DOCTORS OF ACUPUNCTURE AND ACUPUNCTURE ASSISTANTS (R5-37.2-ACU) STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS Department of Health July 1980 As Amended: March 1988
More informationChapter 31 VIRGIN ISLANDS PRODUCER AND ADJUSTER LICENSING ACT
Chapter 31 VIRGIN ISLANDS PRODUCER AND ADJUSTER LICENSING ACT Table of Contents Section 751. Section 752. Section 753. Section 754. Section 755. Section 756. Section 757. Section 758. Section 759. Section
More informationMANDATORY REPORTING LAWS & RULES
Janet Napolitano Governor Joey Ridenour Executive Director Arizona State Board of Nursing 4747 North 7th Street, Suite 200 Phoenix AZ 85014-3653 Phone (602) 889-5150 Fax (602) 889-5155 E-Mail: arizona@azbn.org
More informationDISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT
Table of Contents Model Regulation Service October 2007 DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS. FINAL ORDER (Pursuant to K.S.A. 2005 Supp. 40-4909(a) & (b)
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas ) Resident Insurance Agent s ) Docket No. 3525-SO License of DALLAS E. AUCH ) FINAL ORDER (Pursuant to K.S.A. 2005
More informationNC General Statutes - Chapter 58 Article 49 1
Article 49. Determination of Jurisdiction Over Providers of Health Care Benefits; Regulation of Multiple Employer Welfare Arrangements. 58-49-1. Purposes. The purposes of this section and G.S. 58-49-5
More informationSECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT TIMOTHY P. MURRAY LIEUTENANT GOVERNOR
COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs and Business Regulation DIVISION OF INSURANCE 1000 Washington Street, Suite 810 Boston, MA 02118-6200 (617) 521-7794 FAX (617) 521-7475 TTY/TDD
More informationADOPTED REGULATION OF THE DEPARTMENT OF MOTOR VEHICLES. LCB File No. R074-01. Effective November 8, 2001
ADOPTED REGULATION OF THE DEPARTMENT OF MOTOR VEHICLES LCB File No. R074-01 Effective November 8, 2001 EXPLANATION Matter in italics is new; matter in brackets [omitted material] is material to be omitted.
More informationLouisiana State Board of Medical Examiners Louisiana Revised Statutes Title 37. Table of Contents
Louisiana Revised Statutes Title 37 Table of Contents 3240. Short title... 2 3241. Definitions... 2 3242. Repealed by Acts 2010, No. 743, 10B, eff. July 1, 2010.... 2 3243. Powers and duties of the board...
More informationSTATE OF MINNESOTA OFFICE OF ADMINISTRATIVE HEARINGS FOR THE DEPARTMENT OF COMMERCE
OAH 16-1005-22175-2 STATE OF MINNESOTA OFFICE OF ADMINISTRATIVE HEARINGS FOR THE DEPARTMENT OF COMMERCE In the Matter of Modify My Loan US, LLC; Philip Domek; Mark Abdel; Maria Domek; and Richard Steele
More informationMISSOURI - THE HARTFORD CRIMESHIELD SM ADVANCED POLICY BOND SMALL BUSINESS APPLICATION FOR EMPLOYEE THEFT CLIENT PREMISES ONLY
, a stock insurance company, herein called the Insurer MISSOURI - THE HARTFORD CRIMESHIELD SM ADVANCED POLICY BOND SMALL BUSINESS APPLICATION FOR EMPLOYEE THEFT CLIENT PREMISES ONLY AGENCY NAME: HARTFORD
More informationLOUISIANA REVISED STATUTES TITLE 9. CIVIL CODE BOOK III OF THE DIFFERENT MODES OF ACQUIRING THE OWNERSHIP OF THINGS CODE TITLE VII SALE
2941. "Bond for deed" defined LOUISIANA REVISED STATUTES TITLE 9. CIVIL CODE BOOK III OF THE DIFFERENT MODES OF ACQUIRING THE OWNERSHIP OF THINGS CODE TITLE VII SALE CHAPTER 2. Conventional Sales PART
More information