Section 746.690 – Obtaining information under false pretenses prohibited.
No person shall knowingly and willfully obtain information about an individual from an insurer, insurance producer or insurance-support organization under false pretenses. [1981 c.649 §20; 2003 c.364 §167]
Section 746.650 – Reasons for adverse underwriting decisions.
Except as otherwise provided in ORS 743B.250, 743B.252, 743B.255 and 743B.422: (1) In the event of an adverse underwriting decision, the insurer or insurance producer responsible for the decision must: (a) Either provide the consumer proposed for coverage with the specific reason or reasons for the adverse underwriting decision in writing or advise the consumer […]
Section 746.655 – Information concerning previous adverse underwriting decisions.
No insurer, insurance producer or insurance-support organization may seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by an individual, or any previous insurance coverage obtained by an individual through a residual market mechanism, unless the inquiry also requests the reasons for any previous adverse underwriting decision or the […]
Section 746.660 – Basing adverse underwriting decision on previous adverse decision.
No insurer or insurance producer may base an adverse underwriting decision in whole or in part on: (1) The fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism. However, an insurer or insurance producer may base an adverse underwriting decision on […]
Section 746.661 – Use of credit history or insurance score.
(1) An insurer that issues personal insurance policies in this state: (a) May not cancel or nonrenew personal insurance that has been in effect for more than 60 days based in whole or in part on a consumer’s credit history or insurance score. (b) May use a consumer’s credit history to decline coverage of personal […]
Section 746.662 – Filing of insurance scoring models.
(1) An insurer may not use credit history to determine personal insurance eligibility, premiums or rates for coverage unless the insurer has filed the insurance scoring models used by the insurer with the Director of the Department of Consumer and Business Services. An insurance scoring model includes all attributes and factors used in the calculation […]
Section 746.663 – Cancellation or nonrenewal of personal insurance policies based on credit history or insurance score.
(1) An insurer that issues personal insurance policies in this state may not cancel or nonrenew a policy of personal insurance based in whole or in part on a consumer’s credit history or insurance score. (2) If, prior to January 1, 2004, an insurer has assigned a consumer to a less favorable rating category for […]
Section 746.665 – Limitations and conditions on disclosure of certain information.
(1) A licensee or insurance-support organization may not disclose any personal or privileged information about an individual collected or received in connection with an insurance transaction unless the disclosure meets one or more of the following conditions: (a) Is with the written authorization of the individual, and: (A) If the authorization is submitted by another […]
Section 746.668 – Relationship of ORS 746.620, 746.630 and 746.665 to federal Fair Credit Reporting Act.
Nothing in ORS 746.620, 746.630 or 746.665 may be construed to modify, limit or supersede the operation of the federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) and no inference may be drawn on the basis of ORS 746.620, 746.630 or 746.665 regarding whether personal information is transaction information or experience information under […]
Section 746.670 – Investigatory powers.
(1) The Director of the Department of Consumer and Business Services may examine and investigate into the affairs of any insurer or insurance producer transacting insurance in this state to determine whether it has been or is engaged in any conduct in violation of ORS 746.600 to 746.690. (2) The director may examine and investigate […]