{"data":{"id":"us-tn/tenn.-code-ann.-56-49-102","jurisdiction":"us-tn","citation":"Tenn. Code Ann. § 56-49-102","heading":"Applicability - Enforcement","body":"(a) This chapter applies to an insurer or agent transacting creditor-placed insurance as defined in this chapter. (b) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to this chapter, except: (1) Transactions involving extensions of credit primarily for business or commercial purposes; (2) Insurance on collateralized real property; (3) Insurance offered by the creditor and elected by the debtor at the debtor's option; (4) Insurance for which no specific charge is made to the debtor or the debtor's account; or (5) Blanket insurance, whether paid for by the debtor or the creditor. (c) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter. Acts 1999, ch. 144, § 2.\n(a) This chapter applies to an insurer or agent transacting creditor-placed insurance as defined in this chapter.\n(b) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to this chapter, except: (1) Transactions involving extensions of credit primarily for business or commercial purposes; (2) Insurance on collateralized real property; (3) Insurance offered by the creditor and elected by the debtor at the debtor's option; (4) Insurance for which no specific charge is made to the debtor or the debtor's account; or (5) Blanket insurance, whether paid for by the debtor or the creditor.\n(1) Transactions involving extensions of credit primarily for business or commercial purposes;\n(2) Insurance on collateralized real property;\n(3) Insurance offered by the creditor and elected by the debtor at the debtor's option;\n(4) Insurance for which no specific charge is made to the debtor or the debtor's account; or\n(5) Blanket insurance, whether paid for by the debtor or the creditor.\n(c) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter.","path":["TN Code","Title 56","Chapter 49"],"source_url":"https://oss-data-us.vaquill.ai/v2026.08/us_tn_statutes.parquet","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:26Z","sha256":"39c90feb15b842ebc2f06f3e28d4606a4403db8722c55bea638c1aa5d411da30","source_id":"us-tn","stale":false,"prev":"us-tn/tenn.-code-ann.-56-49-101","next":"us-tn/tenn.-code-ann.-56-49-103"},"notice":"GroundRules: Original legal text. Not legal advice."}