Missouri Administrative Code

Pertinent Communication 1, 1996, effective June 30, 1997. Amended: appropriate notation shall be made in the Filed May 13, 2019, effective Nov. 30, 2019. claim file of the insurer. PURPOSE: This rule effectuates or aids in (C) If the insurer needs more time to deter- the interpre…

(Rescinded July 30, 2008) ...................................................................4 20 CSR 100-1.050 Standards for Prompt, Fair, and Equitable Settlement of Claims ......................4

(3) Provision of necessary claim forms, Fair, and Equitable Settlement of Claims pose of notifying the third-party claimant of instructions and reasonable assistance to first- the provision of a statute of limitations. party claimants within ten (10) working days PURPOSE: This ru…

Benefit Plans (Rescinded October 30, 2011) .............................................6 20 CSR 100-1.070 Identification Cards Issued by Health Carriers ............................................6 20 CSR 100-1.100 Claims Involving Public Adjusters or Solicitors................…

Issued by Health Carriers adjuster or solicitor. 2018, effective July 30, 2019. PURPOSE: This rule sets forth the require- (1) No insurance company authorized to do ments for an identification card issued to the business of insurance in Missouri shall insureds or enrollees by hea…

Rescinded: Filed April 8, 2011, effective Oct. Adjusters or Solicitors 30, 2011. AUTHORITY: sections 374.045 and 376.778, PURPOSE: This rule effectuates or aids in RSMo 1986 and 376.427, RSMo Supp. 1990. the interpretation of section 375.1007(4), Original rule filed April 25, 199…

(Rescinded July 30, 2019) ...................................................................6 20 CSR 100-1.300 Assignment of Benefits (Rescinded July 30, 2019) .......................................6 JOHN R. ASHCROFT (10/31/19) CODE OF STATE REGULATIONS 1 Secretary of State Cha…

ning Practices physical or mental impairment, except where (Rescinded July 30, 2019) the refusal, limitation or rate differential is based on sound actuarial principles or is AUTHORITY: section 374.045, RSMo 2000. related to actual or reasonably anticipated This rule was previous…

Partial Blindness or Physical or Mental Impairment ....................................3

(Rescinded July 30, 2008) ...................................................................3 JOHN R. ASHCROFT (6/30/19) CODE OF STATE REGULATIONS 1 Secretary of State Chapter 2—Unfair Trade Practices 20 CSR 100-2 Title 20—DEPARTMENT OF Regarding Physical or Mental Impairment. I…

Reports (Rescinded July 30, 2019) AUTHORITY: sections 374.045, 375.992, and 375.993, RSMo 2000 and sections 375.991 and 375.994, RSMo Supp. 2007. Original rule filed Sept. 15, 1992, effective June 7, 1993. Amended: Filed Nov. 1, 2007, effective July 30, 2008. Rescinded: Filed Dec…

(Rescinded July 30, 2019) ty, association, or individual. AUTHORITY: section 374.045, RSMo 2000. (2) Except as provided for under subsection Original rule filed Nov. 1, 2007, effective July (2)(B)— 30, 2008. Rescinded: Filed Dec. 13, 2018, (A) Upon receipt of any inquiry from the…

books and Standards postmark determines the date of mailing. (Rescinded July 30, 2019) When the requested response is not produced by the person within twenty (20) days, this AUTHORITY: section 374.045, RSMo 2000. nonproduction is deemed a violation of this Original rule filed No…

(Rescinded July 30, 2019) inquiry by the department. If another statute or regulation requires a shorter response AUTHORITY: section 374.045, RSMo 2000. time, the shorter response time is controlling. Original rule filed Nov. 1, 2007, effective July This regulation operates only …

the Consumer Affairs Division included. The following day begins the peri- od of computation. Each consecutive calen- PURPOSE: This rule sets forth with greater dar day is counted. The last day of the period specificity the standards for responding to so computed is to be include…

an Adverse Determination against requesting the health carrier (or 376.1399, RSMo Supp. 2007.* Original rule party) to respond in writing with their posi- filed Nov. 3, 1997, effective June 30, 1998. PURPOSE: This rule sets forth with greater tion and all supporting documentation…

cedures independent review organization (IRO). An (1) A written notification of an adverse deter- mination shall be printed in clear legible type unresolved grievance shall include a differ- PURPOSE: This rule sets forth with greater of at least twelve (12)-point font. ence of op…

Information on which transactions are conducted; or as permitted under subsections (4)(A), (4)(B), B. Places a link on a screen that con- and (4)(C) of this rule; PURPOSE: The purpose of this rule is to 5. Provided that the licensee provides sumers frequently access, such as a pa…

guarding Customer Information or use of the information that could result in changing business arrangements, such as substantial harm or inconvenience to any cus- mergers and acquisitions, alliances and joint PURPOSE: This rule establishes standards tomer. ventures, outsourcing a…

tices of insurers or companies licensed to do son under contract to the department, who is PURPOSE: This rule sets out the scope of the business in this state that deviate significant- qualified by education, experience, and, rules in this chapter and provides definitions ly from…

(2) If the analysis supports further investiga- (Rescinded July 30, 2019) tion or review by the division into a particu- lar insurer or practice, the following continu- AUTHORITY: section 374.045, RSMo 2000. um of market conduct actions may be Original rule filed Nov. 1, 2007, ef…

that the director may initiate to assess and address the market PURPOSE: This rule sets out the scope of the rules in this chapter and practices of individual insurers or companies, beginning and provides definitions to aid in the interpretation of the rules with market analysis …

2. Confirmed complaint(s) against the company indicating PURPOSE: This rule implements the purposes of section 374.185, a particular practice or a complaint ratio that deviates RSMo, and establishes uniform standards for the director in significantly from the norm; applying the d…

conduct examinations, the director will apply the following PURPOSE: This rule establishes procedures for a hearing conducted standards in evaluating factual support for a warrant when to review cause to issue a market conduct examination warrant another jurisdiction is consideri…

(Rescinded July 30, 2019) did not evaluate the specific area or issue of concern to the director or a specific requirement of Missouri law, the director AUTHORITY: section 374.045, RSMo 2000. Original rule filed Nov. may issue an examination warrant for a targeted examination 1, …

(Rescinded July 30, 2019) will accept documentation that the company has made a similar modification in this state, in lieu of initiating a market AUTHORITY: sections 374.045 and 374.205, RSMo 2000 and conduct action or examination related to that practice or section 374.185, RSM…

specific state laws or regulations, which differ substantially PURPOSE: This rule implements the purposes of section 374.185, from those of the examining jurisdiction. RSMo, and establishes relevant standards for the director in applying the discretion authorized in issuing warra…

Association of Insurance Commissioners (NAIC) Market PURPOSE: This rule implements the purposes of section 374.185, Regulation Handbook, or in department regulations, if RSMo, and establishes uniform standards for providing notice of inconsistent with the NAIC Market Regulation H…

AUTHORITY: sections 374.045, 374.185, 374.205, and 374.207, RSMo 2016.* Original rule filed April 1, 2008, effective Nov. 30, PURPOSE: This rule implements the purposes of section 374.185, 2008. Amended: Filed Dec. 13, 2018, effective July 30, 2019. RSMo, and establishes uniform …

(D) The division will make a good faith effort to informally PURPOSE: This rule implements the purposes of section 374.185, resolve issues and prepare a final report after receipt of the RSMo, and establishes uniform standards for the director company’s written comments, submissi…

response of the company, at its option, and any negotiated PURPOSE: This rule implements the purposes of section 374.185, text of the examination report and the concluding document, RSMo, and establishes uniform post-examination standards for whether that is an administrative ord…

(Rescinded July 30, 2019) long as they are readily available to Missouri market conduct examiners as set forth under this rule. Missouri policy records AUTHORITY: sections 374.045, 375.948 and 375.1018, RSMo 2000. shall include the following: Original rule filed Nov. 1, 2007, eff…

B. The application shall bear a clearly legible means PURPOSE: This rule describes the requirements for record keeping by which an examiner can identify any insurance producer for insurers and related entities doing business in this state. This involved in the transaction. The ex…

the Insurance Market Regulation Division ................................................3 JOHN R. ASHCROFT (10/31/19) CODE OF STATE REGULATIONS 1 Secretary of State Chapter 9—Filing Requirements 20 CSR 100-9 Title 20—DEPARTMENT OF tracking number, that has not yet been treat- ru…

PURPOSE: This rule gives a general descrip- tion of the organization and operations of the Division of Credit Unions, as required by sec- tion 536.023, RSMo (1986) (Refer to section 370.100, RSMo (1986) for statutory provi- sions relating to the organization of the divi- sion.) (…

Union Examinations Union Records ence material. For anyone desiring a person- PURPOSE: This rule sets forth the frequency al copy, this reference publication is avail- PURPOSE: This rule sets the location and able from the Superintendent of Documents, of credit union examinations…

Newly Chartered Credit Unions be on terms no more favorable than those PURPOSE: This rule establishes the require- available to other members and be acceptable PURPOSE: This rule sets forth certain stan- ment of maintaining current written lending to the director of the Division …

accepted accounting principles and meet reg- lending delinquent installment according to note con- ulatory requirements for full and fair disclo- tract, as follows: sure. The allowance account will be adjusted PURPOSE: This rule establishes the basic (A) Loans on which the oldest…

effective Feb. 11, 1989. Amended: Filed Oct. money or the number of full payments Loss 11, 1991, effective March 9, 1992. Amended: received against the amount of money or the Filed Aug. 9, 2001, effective Feb. 28, 2002. PURPOSE: This rule sets forth certain provi- number of full …

of Credit Union 2012. defined as the “surviving credit union”; (B) The terms and conditions of the pro- PURPOSE: This rule outlines the procedures *Original authority: 370.100, RSMo 1939, amended 1945, posed merger and the mode of carrying the for liquidating a credit union which…

Small Share Balances: How to Handle Emergency amendment filed Feb. 14, 1984, invest in accounts of federally insured savings effective Feb. 24, 1984, expired June 23, and loan associations and savings banks. PURPOSE: This rule gives the procedures for Attention is called to the f…

and Obligations .............................................................................12 20 CSR 1100-2.135 Credit Union Investments: Other .........................................................13 20 CSR 1100-2.160 Call Reports ...........................................…

shall be submitted to the director of the Divi- ments: Other 2000.* This rule originally filed as 4 CSR sion of Credit Unions within thirty (30) days 100-2.135. Emergency rule filed Feb. 14, PURPOSE: This rule lists those additional of the completion. 1984, effective Feb. 24, 198…

This rule originally filed as 4 CSR 100-2.130. security as soon as possible. The board of Committee Original rule filed Sept. 14, 1972, effective directors is responsible for determining the Sept. 24, 1972. Amended: Filed Dec. 15, permissibility of an investment which should PURP…

Assets lar entity other than a natural person. (Rescinded July 30, 2016) 20 CSR 1100-2.205 Deposit and Securing of Public Funds (2) Any credit union which receives deposits AUTHORITY: sections 370.075 and 370.100, from nonmember nonnatural persons must RSMo 2000. This rule origin…