Insurance Department › 38a-8 Organization and Rules of Practice

Regulations of Connecticut State AgenciesSec. 38a-8-102. PurposeThe purpose of this regulation is to set forth the standards which the Insurance Commissioner may use for identifying insurers found to be in such condition as to render the continuance of their business hazardous to…

Regulations of Connecticut State AgenciesSec. 38a-8-103. StandardsThe following standards, either singly or a combination of two or more, may be considered by the Commissioner to determine whether the continued operation of any insurer transacting an insurance business in this st…

Regulations of Connecticut State AgenciesSec. 38a-8-104. Commissioner's authority(a) For the purposes of making a determination of an insurer's financial condition under this regulation, the Commissioner may: (1) disregard any credit or amount receivable resulting from transactio…

Regulations of Connecticut State AgenciesSec. 38a-8-105. ScopeSections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies govern the treatment of nonpublic personal financial information about individuals by all licensees of the Connecticut Insurance Departme…

Regulations of Connecticut State AgenciesSec. 38a-8-106. DefinitionsAs used in sections 38a-8-105 to 38a-8-123, inclusive, of the Regulations of Connecticut State Agencies: (1) \"Affiliate\" means any company that controls, is controlled by or is under common control with another…

Regulations of Connecticut State AgenciesSec. 38a-8-107. Initial privacy notice to consumers required(a) A licensee shall provide a clear and conspicuous notice that accurately reflects its privacy policies and practices to: (1) A consumer, before the licensee discloses any nonpu…

Regulations of Connecticut State AgenciesSec. 38a-8-108. Annual privacy notice to customers required(a) A licensee shall provide a clear and conspicuous notice to customers that accurately reflects its privacy policies and practices not less than annually during the continuation …

Regulations of Connecticut State AgenciesSec. 38a-8-109. Information to be included in privacy notices(a) The initial, annual, and revised privacy notices that a licensee provides as set forth in section 38a-8-107, section 38a-8-108, and section 38a-8-111 of the Regulations of Co…

Regulations of Connecticut State AgenciesSec. 38a-8-11. Computation of timeComputation of any period of time referred to in the rules of practice begins with the first day following that on which the act which initiates such period of time occurs and ends on the last day of the p…

Regulations of Connecticut State AgenciesSec. 38a-8-110. Form of opt out notice to consumers and opt out methods(a) If a licensee is required to provide an opt out notice as set forth in section 38a-8-113(a) of the Regulations of Connecticut State Agencies, it shall provide a cle…

Regulations of Connecticut State AgenciesSec. 38a-8-111. Revised privacy notices(a) Except as otherwise permitted by section 38a-8-116, 38a-8-117, or 38a-8-118 of the Regulations of Connecticut State Agencies, a licensee shall not, directly or through an affiliate, disclose any n…

Regulations of Connecticut State AgenciesSec. 38a-8-112. Delivery(a) A licensee shall provide all notices that sections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies require so that each consumer can reasonably be expected to receive actual notice in wri…

Regulations of Connecticut State AgenciesSec. 38a-8-113. Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties(a) Except as otherwise authorized in sections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies, a licens…

Regulations of Connecticut State AgenciesSec. 38a-8-114. Limits on redisclosure and reuse of nonpublic personal financial information(a) If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution under an exception in section 38a-8-…

Regulations of Connecticut State AgenciesSec. 38a-8-115. Limits on sharing account number information for marketing purposes(a) A licensee shall not, directly or through an affiliate, disclose, other than to a consumer reporting agency, a policy number or similar form of access n…

Regulations of Connecticut State AgenciesSec. 38a-8-116. Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and joint marketing(a) The opt out requirements in sections 38a-8-110 and 38a-8-113 of the Regulations of Co…

Regulations of Connecticut State AgenciesSec. 38a-8-117. Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions(a) The requirements for the initial notice in section 38a-8-107 of the Regul…

Regulations of Connecticut State AgenciesSec. 38a-8-118. Other exceptions to initial notice and opt out requirements for disclosure of nonpublic personal financial information(a) The requirements for initial notice to consumers in section 38a-8-107 of the Regulations of Connectic…

Regulations of Connecticut State AgenciesSec. 38a-8-119. Protection of federal fair credit reporting actNothing in sections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies shall be construed to modify, limit, or supersede the operation of the federal Fair …

Regulations of Connecticut State AgenciesSec. 38a-8-12. Extension of timeIn the discretion of the Commissioner, or the presiding officer, for good cause shown any time limit prescribed or allowed by the rules of practice may be extended. All requests for extensions shall be made …

Regulations of Connecticut State AgenciesSec. 38a-8-120. NondiscriminationA licensee does not unfairly discriminate against any consumer or customer because that consumer or customer has opted out from the disclosure of their nonpublic personal financial information pursuant to t…

Regulations of Connecticut State AgenciesSec. 38a-8-121. Rules for health informationA licensee shall comply with all applicable state and federal statutes and regulations to protect the confidentiality of health information. (Adopted effective June 7, 2002)

Regulations of Connecticut State AgenciesSec. 38a-8-122. Effective date and compliance(a) Until July 1, 2002, a contract that a licensee has entered into with a nonaffiliated third party to perform services for the licensee or functions on the licensee's behalf satisfies the prov…

Regulations of Connecticut State AgenciesSec. 38a-8-123. SeverabilityIf any portion of sections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies or its applicability to any person or circumstance is held invalid by a court, the remainder of the regulation o…

Regulations of Connecticut State AgenciesSec. 38a-8-124. DefinitionsAs used in sections 38a-8-124 to 38a-8-126, inclusive, of the Regulations of Connecticut State Agencies: (1) \"Customer\" means \"customer\" as defined in section 38a-8-106 of the Regulations of Connecticut State…

Regulations of Connecticut State AgenciesSec. 38a-8-125. Information security programEach licensee shall implement a comprehensive written information security program that includes administrative, technical and physical safeguards for the protection of customer information that …

Regulations of Connecticut State AgenciesSec. 38a-8-126. Developing and implementing an information security programThe actions and procedures described in this section are examples of methods of implementation of the requirements of section 38a-8-125 of the Regulations of Connec…

Regulations of Connecticut State AgenciesSec. 38a-8-13. Effect of filing(a) The filing with the department of any application, petition, complaint, request for declaratory ruling or any other filing of any nature whatsoever shall not relieve any person of the obligation to comply…

Regulations of Connecticut State AgenciesSec. 38a-8-14. Date of filingAll orders, decisions, findings of fact, correspondence, motions, petitions, applications, and any other documents governed by the rules of practice, including rate applications and applications for approval as…

Regulations of Connecticut State AgenciesSec. 38a-8-15. Identification of communicationsCommunications should embrace only one matter and shall contain the name and address of the sender and an appropriate file reference to the subject of the communication. When the subject matte…

Regulations of Connecticut State AgenciesSec. 38a-8-16. SignaturesEvery application, notice, motion, petition, brief, memorandum and other communications shall be signed by the filing person or by one or more attorneys in their individual names on behalf of the filing person. (Ef…

Regulations of Connecticut State AgenciesSec. 38a-8-17. Formal requirements as to documents and other papers filed in proceedings(a) Copies. Except for routine correspondence and inquiries by the public, and as may be otherwise required by the rules of practice or by any other ru…

Regulations of Connecticut State AgenciesSec. 38a-8-18. Service(a) General rule. Service of all documents and other papers filed in all contested cases, including but not limited to motions, petitions, applications, notices, briefs, and exhibits shall be by personal delivery, fir…

Regulations of Connecticut State AgenciesSec. 38a-8-19. General rulePetitions and applications shall include all proposals, requests, applications, petitions, and filings of whatever nature that are placed before the Commissioner or the Insurance Department pursuant to law includ…

Regulations of Connecticut State AgenciesSec. 38a-8-2. Basic organizationThe Insurance Department consists of the office of the Commissioner and eight divisions which are as follows: (1) Administration Division—responsible for all functions relating to accounting, budget and fisc…

Regulations of Connecticut State AgenciesSec. 38a-8-20. Function of applicationThe petition or application and annexed materials may be treated by the department as a substantially complete statement of the case in chief of the applicant or petitioner. (Effective September 25, 19…

Regulations of Connecticut State AgenciesSec. 38a-8-21. Required components, general(a) Form. The form to be followed in the filing of petitions and applications hereunder will vary to the extent necessary to provide for the nature of the legal rights, duties or privileges involv…

Regulations of Connecticut State AgenciesSec. 38a-8-22. Original recordsWhen so required, the petitioner or applicant shall furnish and make available for the use of the department the original books, papers, and documents from which any evidence supporting the granting of the pe…

Regulations of Connecticut State AgenciesSec. 38a-8-23. Fees(a) All application fees or other charges required or authorized by law shall be paid to the Commissioner by check or money order made payable to the Treasurer, State of Connecticut, at the time that the application is f…

Regulations of Connecticut State AgenciesSec. 38a-8-24. Date of filing, components, deficiencies(a) The date of filing of any application with the department shall be the date that the application is received by the Commissioner. (b) An application shall consist of all the requir…

Regulations of Connecticut State AgenciesSec. 38a-8-25. Reserved

Regulations of Connecticut State AgenciesSec. 38a-8-26. Petition requesting the promulgation, amendment or repeal of regulations(a) General. Any interested person may at any time petition the Commissioner requesting the promulgation, amendment or repeal of a regulation. (b) Form.…

Regulations of Connecticut State AgenciesSec. 38a-8-27. Petition for declaratory ruling(a) General. The rules of practice set forth the procedure to be followed by the Commissioner in the disposition of requests for declaratory rulings as to the validity of any regulation, or the…

Regulations of Connecticut State AgenciesSec. 38a-8-28—38a-8-29. Reserved

Regulations of Connecticut State AgenciesSec. 38a-8-3. Duties and method of operations(a) Commissioner. The Insurance Commissioner is the department head in accordance with section 4-5 of the Connecticut General Statutes and administers the provisions of Title 38a of the Connecti…

Regulations of Connecticut State AgenciesSec. 38a-8-30. Calendar of hearingsThe Commissioner shall maintain a docket of all proceedings of the Department. The Commissioner shall maintain a hearing calendar of all proceedings that are to receive a hearing. Proceedings shall be pla…

Regulations of Connecticut State AgenciesSec. 38a-8-31. Public hearing; hearing location; recording, broadcasting or photographing hearings(a) Unless otherwise provided by statute, all hearings shall be open to the public.(b) Unless by statute or by direction of the Commissioner …