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Oregon Administrative Rules

80

Or. Admin. R. ch. 836, div. 80

Trade Practices

Department of Consumer and Business Services

0001Statutory Authority; Purpose; Applicability 0005Definitions 0014Duties of Agent 0022Duties of Insurers that Use Agents Insurance Producers 0029Duties of Replacing Insurers that Use Agents 0034Duties of the Existing Insurer 0039Duties of Insurers with Respect to Direct Response Solicitations 0043Violations and Penalties 0050Authority; Purpose and Scope 0055Unfair Discrimination Identified 0080Definition, Claims Handling Services; Claims Procedures and Information 0085Annual Report; Sampling 0090Suitability in the Sale of Life Insurance 0105Statutory Authority; Purpose; Effective Date 0110Applicability 0115Definitions 0120Statement as to Participation Required Upon Request Before Delivery of Policy; Provision Required in Participating Policy; Contents of Provision 0125Prohibited Representations Regarding Participation Rights 0130Dividend Statement Permitted; Required to Be Written; Prohibited and Permitted Advice 0135Dividend Rights Accrue Upon Declaration of Dividends; Contents of Dividend Declaration Resolution 0140Unfair Discrimination in Allocation of Dividends Prohibited; Criteria for Allocation; Prima Facie Evidence of Unfair Discrimination 0145Unfair Forfeiture of Dividend for Failure to Renew Prohibited 0150Policyholder Dividend Rights of Group Members and Dividend Group Policyholders; Reduction or Denial Without Prior Advice Prohibited; “Dividend Group” Defined; Standards for Dividend Groups 0155False or Deceptive Publications by Insurer Prohibited 0160Use of Special Certifications and Professional Designations by Insurance Producers 0165Notice of Division of Financial Regulation Assistance 0170Statutory Authority; Purpose 0172Applicability and Disclosure Forms 0178Definitions 0183Insurance Producer Training 0185Compliance Mitigation; Penalties 0190Annuity Sales; Disclosure Not a Defense 0193Operative Date 0195Oregon opt-out from certain Interstate Insurance Product Regulation Compact Uniform Standards 0200Electronic Payment of Claims 0205Statutory Authority, Purpose, and Applicability 0210Definitions 0215Claim Files 0220Misrepresentation and Other Prohibited Claim Practices 0225Required Claim Communication Practices 0230Standard for Prompt Claim Investigation 0235Standards for Prompt and Fair Settlements — Generally 0240Standards for Prompt and Fair Total Loss Settlements — Automobile Insurance 0245Statutory Authority and Purpose 0250Workers’ Compensation Insurance Unfair Claim Settlement Practices Standards 0305Statutory Authority; Purpose; Applicability 0310Definitions 0315Providing Things of Value to Intermediaries Generally Prohibited 0320Miscellaneous Things of Value 0325Business Development Activities 0335Gifts 0337Real Property Information 0340Assistance in Qualifying a Subdivision 0345Automatic Change in Monetary Limits 0355Title Insurer Responsible for Violations by Agent 0360Use by Title Company of an Intermediary’s Office 0365Filing Escrow Rates Required 0370Instruction of Title Company Employees About Rules Required 0425Applicability; Definitions 0430Disclosure of Use of Credit History or Insurance Scores 0435Policies Governing Credit Histories and Insurance Scores 0436Absence of or Inability to Determine Credit History; Relation to Risk to Insurer 0438Definition of Adverse Underwriting Decision; Notice 0440Unfair Insurance Trade Practice 0501Authority; Rule of Construction; Applicability 0506Definitions and Examples 0511Application of Notice Requirements 0516Initial Notice to Consumers 0519Information to be Included in Initial Privacy Notice 0523Annual Notice 0526Information to be Included in Annual Notice 0531Revised Privacy Notices 0536Delivery 0541Opt in Notice; Form of Opt Out Notice to Consumers and Opt Out Methods for Purpose of ORS 746.665(1)(k)0546Limits on Sharing Account Number Information for Marketing Purposes 0551Authorization Request Delivery 0600Authority; Rule of Construction; Applicability 0610Definitions and Examples 0615Personal Information Notice 0620Notice of Personal Financial Information Practices 0625Alternative Procedures 0630Application of Notice Requirements 0635Initial Notice to Consumers 0640Information to Be Included in Initial Privacy Notice 0645Annual Notice 0650Information to Be Included in Annual Notice 0655Revised Privacy Notices 0660Delivery 0665Authorization 0670Authorization Exemptions 0675Disclosure Without Authorization 0680Opt in Notice; Form of Opt Out Notice to Consumers and Opt Out Methods for Purpose of OAR 836-080-0675 0685Limits on Sharing Account Number Information for Marketing Purposes 0690Authorization Request Delivery 0695Access to Recorded Personal Information 0700Correction, Amendment or Deletion of Recorded Personal Information 0750Purpose; Statutory Authority 0755Application of OAR 836-080-0750 to 836-080-0775 0760Definitions for OAR 836-080-0750 to 836-080-0775 0765Practices Declared False, Misleading, Deceptive or Unfair on a Military Installation 0770Practices Declared False, Misleading, Deceptive or Unfair, Regardless of Location 0775Severability 0800Definitions 0805Statutory Authority, Purpose, and Applicability 0810Provision of Commercial Loss Runs 0900Definitions 0905Language used for co-insureds on property and casualty personal lines policies