Illinois General Assembly - Full Text of SB1588
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Full Text of SB1588  102nd General Assembly


Sen. Laura Fine

Filed: 4/8/2021





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2    AMENDMENT NO. ______. Amend Senate Bill 1588 by replacing
3everything after the enacting clause with the following:
4    "Section 5. The Illinois Insurance Code is amended by
5changing Section 500-10 and by adding Article XLVI as follows:
6    (215 ILCS 5/500-10)
7    (Section scheduled to be repealed on January 1, 2027)
8    Sec. 500-10. Definitions. In addition to the definitions
9in Section 2 of the Code, the following definitions apply to
10this Article:
11    "Business entity" means a corporation, association,
12partnership, limited liability company, limited liability
13partnership, or other legal entity.
14    "Car rental limited line licensee" means a person
15authorized under the provisions of Section 500-105 to sell
16certain coverages relating to the rental of vehicles.



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1    "Home state" means the District of Columbia and any state
2or territory of the United States in which an insurance
3producer maintains his or her principal place of residence or
4principal place of business and is licensed to act as an
5insurance producer.
6    "Insurance" means any of the lines of authority in Section
7500-35, any health care plan under the Health Maintenance
8Organization Act, or any limited health care plan under the
9Limited Health Service Organization Act.
10    "Insurance producer" means a person required to be
11licensed under the laws of this State to sell, solicit, or
12negotiate insurance.
13    "Insurer" means a company as defined in subsection (e) of
14Section 2 of this Code, a health maintenance organization as
15defined in the Health Maintenance Organization Act, or a
16limited health service organization as defined in the Limited
17Health Service Organization Act.
18    "License" means a document issued by the Director
19authorizing an individual to act as an insurance producer for
20the lines of authority specified in the document or
21authorizing a business entity to act as an insurance producer.
22The license itself does not create any authority, actual,
23apparent, or inherent, in the holder to represent or commit an
24insurance carrier.
25    "Limited lines insurance" means those lines of insurance
26defined in Section 500-100 or any other line of insurance that



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1the Director may deem it necessary to recognize for the
2purposes of complying with subsection (e) of Section 500-40.
3    "Limited lines producer" means a person authorized by the
4Director to sell, solicit, or negotiate limited lines
6    "Negotiate" means the act of conferring directly with or
7offering advice directly to a purchaser or prospective
8purchaser of a particular contract of insurance concerning any
9of the substantive benefits, terms, or conditions of the
10contract, provided that the person engaged in that act either
11sells insurance or obtains insurance from insurers for
13    "Person" means an individual or a business entity.
14    "Rental agreement" means a written agreement setting forth
15the terms and conditions governing the use of a vehicle
16provided by a rental company for rental or lease.
17    "Rental company" means a person, or a franchisee of the
18person, in the business of providing primarily private
19passenger vehicles to the public under a rental agreement for
20a period not to exceed 30 days.
21    "Rental period" means the term of the rental agreement.
22    "Renter" means a person obtaining the use of a vehicle
23from a rental company under the terms of a rental agreement for
24a period not to exceed 30 days.
25    "Self-service storage facility limited line licensee"
26means a person authorized under the provisions of Section



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1500-107 to sell certain coverages relating to the rental of
2self-service storage facilities.
3    "Sell" means to exchange a contract of insurance by any
4means, for money or its equivalent, on behalf of an insurance
6    "Solicit" means attempting to sell insurance or asking or
7urging a person to apply for a particular kind of insurance
8from a particular company.
9    "Terminate" means the cancellation of the relationship
10between an insurance producer and the insurer or the
11termination of a producer's authority to transact insurance.
12    "Travel insurance" has the meaning provided in Section
131630 means insurance coverage for personal risks incident to
14planned travel, including, but not limited to: (1) the
15interruption or cancellation of a trip or event, (2) the loss
16of baggage or personal effects, (3) damages to accommodations
17or rental vehicles, or (4) sickness, accident, disability, or
18death occurring during travel. "Travel insurance" does not
19include major medical plans that provide comprehensive medical
20protection for travelers with trips lasting 6 months or
21longer, including those working overseas as an ex-patriot or
22as military personnel on deployment.
23    "Uniform Business Entity Application" means the current
24version of the National Association of Insurance
25Commissioners' Uniform Business Entity Application for
26nonresident business entities.



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1    "Uniform Application" means the current version of the
2National Association of Insurance Commissioners' Uniform
3Application for nonresident producer licensing.
4    "Vehicle" or "rental vehicle" means a motor vehicle of (1)
5the private passenger type, including passenger vans, mini
6vans, and sport utility vehicles or (2) the cargo type,
7including cargo vans, pickup trucks, and trucks with a gross
8vehicle weight of less than 26,000 pounds the operation of
9which does not require the operator to possess a commercial
10driver's license.
11    "Webinar" means an online educational presentation during
12which a live and participating instructor and participating
13viewers, whose attendance is periodically verified throughout
14the presentation, actively engage in discussion and in the
15submission and answering of questions.
16(Source: P.A. 97-113, eff. 7-14-11; 98-1165, eff. 6-1-15.)
17    (215 ILCS 5/Art. XLVI heading new)

19    (215 ILCS 5/1620 new)
20    Sec. 1620. Short title. This Article may be cited as the
21Travel Insurance Act.
22    (215 ILCS 5/1625 new)
23    Sec. 1625. Scope and purposes.



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1    (a) The purpose of this Article is to promote the public
2welfare by creating a comprehensive legal framework within
3which travel insurance may be sold in this State.
4    (b) This Article applies to travel insurance that covers
5any resident of this State, and is sold, solicited,
6negotiated, or offered in this State, and policies and
7certificates that are delivered or issued for delivery in this
8State. This Article does not apply to cancellation fee waivers
9or travel assistance services except as expressly provided in
10this Article.
11    (c) All other applicable provisions of this State's
12insurance laws shall continue to apply to travel insurance,
13except that the specific provisions of this Article shall
14supersede any general provisions of law that would otherwise
15be applicable to travel insurance.
16    (215 ILCS 5/1630 new)
17    Sec. 1630. Definitions. As used in this Article:
18    "Aggregator site" means a website that provides access to
19information regarding insurance products from more than one
20insurer, including product and insurer information, for use in
21comparison shopping.
22    "Blanket travel insurance" means a policy of travel
23insurance issued to any eligible group providing coverage for
24specific classes of persons defined in the policy with
25coverage provided to all members of the eligible group without



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1a separate charge to individual members of the eligible group.
2    "Cancellation fee waiver" means a contractual agreement
3between a supplier of travel services and its customer to
4waive some or all of the nonrefundable cancellation fee
5provisions of the supplier's underlying travel contract with
6or without regard to the reason for the cancellation or form of
7reimbursement. A "cancellation fee waiver" is not insurance.
8    "Eligible group", solely for the purposes of travel
9insurance, means 2 or more persons who are engaged in a common
10enterprise, or have an economic, educational, or social
11affinity or relationship, including, but not limited to, any
12of the following:
13        (1) any entity engaged in the business of providing
14    travel or travel services, including, but not limited to:
15    tour operators, lodging providers, vacation property
16    owners, hotels and resorts, travel clubs, travel agencies,
17    property managers, cultural exchange programs, and common
18    carriers or the operator, owner, or lessor of a means of
19    transportation of passengers, including, but not limited
20    to, airlines, cruise lines, railroads, steamship
21    companies, and public bus carriers, wherein with regard to
22    any particular travel or type of travel or travelers, all
23    members or customers of the group must have a common
24    exposure to risk attendant to such travel;
25        (2) any college, school, or other institution of
26    learning covering students, teachers, employees, or



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1    volunteers;
2        (3) any employer covering any group of employees,
3    volunteers, contractors, board of directors, dependents,
4    or guests;
5        (4) any sports team, camp, or sponsor of any sports
6    team or camp covering participants, members, campers,
7    employees, officials, supervisors, or volunteers;
8        (5) any religious, charitable, recreational,
9    educational, or civic organization, or branch of an
10    organization covering any group of members, participants,
11    or volunteers;
12        (6) any financial institution or financial institution
13    vendor, or parent holding company, trustee, or agent of or
14    designated by one or more financial institutions or
15    financial institution vendors, including account holders,
16    credit card holders, debtors, guarantors, or purchasers;
17        (7) any incorporated or unincorporated association,
18    including labor unions, having a common interest,
19    constitution and bylaws, and organized and maintained in
20    good faith for purposes other than obtaining insurance for
21    members or participants of such association covering its
22    members;
23        (8) any trust or the trustees of a fund established,
24    created, or maintained for the benefit of and covering
25    members, employees or customers, subject to the Director's
26    permitting the use of a trust and the State's premium tax



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1    provisions, of one or more associations meeting the
2    requirements of paragraph (7) of this definition;
3        (9) any entertainment production company covering any
4    group of participants, volunteers, audience members,
5    contestants, or workers;
6        (10) any volunteer fire department, ambulance, rescue,
7    police, court, or any first aid, civil defense, or other
8    such volunteer group;
9        (11) preschools, day care institutions for children or
10    adults, and senior citizen clubs;
11        (12) any automobile or truck rental or leasing company
12    covering a group of individuals who may become renters,
13    lessees, or passengers defined by their travel status on
14    the rented or leased vehicles. The common carrier, the
15    operator, owner or lessor of a means of transportation, or
16    the automobile or truck rental or leasing company, is the
17    policyholder under a policy to which this Section applies;
18    or
19        (13) any other group where the Director has determined
20    that the members are engaged in a common enterprise, or
21    have an economic, educational, or social affinity or
22    relationship, and that issuance of the policy would not be
23    contrary to the public interest.
24    "Fulfillment materials" means documentation sent to the
25purchaser of a travel protection plan confirming the purchase
26and providing the travel protection plan's coverage and



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1assistance details.
2    "Group travel insurance" means travel insurance issued to
3any eligible group.
4    "Limited lines travel insurance producer" means one of the
6        (1) a licensed managing general agent or third-party
7    administrator;
8        (2) a licensed insurance producer, including a limited
9    lines producer; or
10        (3) a travel administrator.
11    "Offering and disseminating" means the following:
12        (1) Providing information to a prospective or current
13    policyholder on behalf of a limited lines travel insurance
14    entity, including brochures, buyer guides, descriptions of
15    coverage, and price.
16        (2) Referring specific questions regarding coverage
17    features and benefits from a prospective or current
18    policyholder to a limited lines travel insurance entity.
19        (3) Disseminating and processing applications for
20    coverage, coverage selection forms, or other similar forms
21    in response to a request from a prospective or current
22    policyholder.
23        (4) Collecting premiums from a prospective or current
24    policyholder on behalf of a limited lines travel insurance
25    entity.
26        (5) Receiving and recording information from a



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1    policyholder to share with a limited lines travel
2    insurance entity.
3    "Primary policyholder" means an individual person who
4elects and purchases individual travel insurance.
5    "Travel administrator" means a person who directly or
6indirectly underwrites, collects charges, collateral, or
7premiums from, or adjusts or settles claims on residents of
8this State in connection with travel insurance, except that a
9person shall not be considered a travel administrator if that
10person's only actions that would otherwise cause the person to
11be considered a travel administrator are among the following:
12        (1) a person working for a travel administrator to the
13    extent that the person's activities are subject to the
14    supervision and control of the travel administrator;
15        (2) an insurance producer selling insurance or engaged
16    in administrative and claims-related activities within the
17    scope of the producer's license;
18        (3) a travel retailer offering and disseminating
19    travel insurance and registered under the license of a
20    limited lines travel insurance producer in accordance with
21    Section 1635;
22        (4) an individual adjusting or settling claims in the
23    normal course of that individual's practice or employment
24    as an attorney-at-law and who does not collect charges or
25    premiums in connection with insurance coverage; or
26        (5) a business entity that is affiliated with a



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1    licensed insurer while acting as a travel administrator
2    for the direct and assumed insurance business of an
3    affiliated insurer.
4    "Travel assistance services" means noninsurance services
5for which the consumer is not indemnified based on a
6fortuitous event, and where providing the service does not
7result in transfer or shifting of risk that would constitute
8the business of insurance. "Travel assistance services"
9include, but are not limited to: security advisories;
10destination information; vaccination and immunization
11information services; travel reservation services;
12entertainment; activity and event planning; translation
13assistance; emergency messaging; international legal and
14medical referrals; medical case monitoring; coordination of
15transportation arrangements; emergency cash transfer
16assistance; medical prescription replacement assistance;
17passport and travel document replacement assistance; lost
18luggage assistance; concierge services; and any other service
19that is furnished in connection with planned travel. "Travel
20assistance services" are not insurance and are not related to
22    "Travel insurance" means insurance coverage for personal
23risks incident to planned travel, including, but not limited
25        (1) the interruption or cancellation of a trip or
26    event;



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1        (2) the loss of baggage or personal effects;
2        (3) damages to accommodations or rental vehicles;
3        (4) sickness, accident, disability, or death occurring
4    during travel;
5        (5) emergency evacuation;
6        (6) repatriation of remains; or
7        (7) any other contractual obligations to indemnify or
8    pay a specified amount to the traveler upon determinable
9    contingencies related to travel as approved by the
10    Director.
11    "Travel insurance" does not include major medical plans
12that provide comprehensive medical protection for travelers
13with trips lasting 6 months or longer, including those working
14overseas as expatriates or as military personnel on
16    "Travel insurance business entity" means a licensed
17insurance producer designated by an insurer as set forth in
18subsection (h) of Section 1635.
19    "Travel protection plans" means plans that provide one or
20more of the following: travel insurance, travel assistance
21services, and cancellation fee waivers.
22    "Travel retailer" means a business organization that
23makes, arranges, or offers travel services and, with respect
24to travel insurance, is limited to offering and disseminating
25as defined in this Section, unless otherwise licensed under
26subsection (b) of Section 1635.



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1    (215 ILCS 5/1635 new)
2    Sec. 1635. Licensing and registration.
3    (a) The Director may issue to a travel insurance business
4entity that registers travel retailers under its license as
5described in paragraph (2) of subsection (c) of this Section a
6producer license as provided in paragraph (6) of subsection
7(a) of Section 500-35 of this Code. A travel insurance
8business entity license issued under this Section shall also
9authorize any employee of the travel insurance business entity
10to act individually on behalf and under the supervision of the
11travel insurance business entity licensee with respect to the
12coverage specified in this Section. Each travel insurance
13business entity licensed under this Section shall pay the
14Department a fee of $500 for its initial license and $500 for
15each renewal license, payable on May 31 annually.
16    (b) The Director may issue to a travel retailer a limited
17lines producer license. A travel retailer license issued under
18this Section shall also authorize any employee of the travel
19retailer limited line licensee to act individually on behalf
20and under the supervision of the travel retailer limited line
21licensee with respect to the coverage specified in this
23    (c) Notwithstanding any other provision of law, a travel
24retailer may do the limited activities of offering and
25disseminating travel insurance on behalf of and under the



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1license of a supervising travel insurance business entity if
2the following conditions are met:
3        (1) the travel insurance business entity or travel
4    retailer provides to purchasers of travel insurance:
5            (A) a description of the material terms or the
6        actual material terms of the insurance coverage;
7            (B) a description of the process for filing a
8        claim;
9            (C) a description of the review or cancellation
10        process for the travel insurance policy; and
11            (D) the identity and contact information of the
12        insurer and travel insurance business entity;
13        (2) at the time of licensure, the travel insurance
14    business entity shall establish and maintain a register on
15    a form prescribed by the Director of each travel retailer
16    that offers travel insurance on the travel insurance
17    business entity's behalf; the register shall be maintained
18    and updated continuously by the travel insurance business
19    entity and shall include the name, address, and contact
20    information of the travel retailer and an officer or
21    person who directs or controls the travel retailer's
22    operations and the travel retailer's federal tax
23    identification number; the travel insurance business
24    entity shall submit the register to the Director annually
25    on a form and in a manner approved by the Director; the
26    limited lines producer shall also certify that the travel



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1    retailer personnel who are offering and disseminating
2    insurance under the travel retailer's registration
3    complies with 18 U.S.C. 1033;
4        (3) the travel insurance business entity has
5    designated one of its employees as a licensed individual
6    producer (a designated responsible producer or DRP)
7    responsible for the travel insurance business entity's and
8    its travel retailer's compliance with the travel insurance
9    laws, rules, and regulations of this State;
10        (4) the travel insurance business entity has paid all
11    applicable insurance producer licensing fees as set forth
12    in this Code; and
13        (5) the travel insurance business entity requires each
14    employee and authorized representative of the travel
15    retailer whose duties include offering and disseminating
16    travel insurance to receive a program of instruction or
17    training that shall be subject to review by the Director;
18    the training material shall, at a minimum, contain
19    instructions on the types of insurance offered, ethical
20    sales practices, and required disclosures to prospective
21    customers.
22    (d) Any travel retailer offering or disseminating travel
23insurance shall make available to prospective purchasers
24brochures or other written materials that:
25        (1) provide the identity and contact information of
26    the insurer and the travel insurance business entity;



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1        (2) explain that the purchase of travel insurance is
2    not required in order to purchase any other product or
3    service from the travel retailer; and
4        (3) explain that an unlicensed travel retailer is
5    permitted to provide general information about the
6    insurance offered by the travel retailer, including a
7    description of the coverage and price, but is not
8    qualified or authorized to answer technical questions
9    about the terms and conditions of the insurance offered by
10    the travel retailer or to evaluate the adequacy of the
11    customer's existing insurance coverage.
12    (e) A travel retailer's employee or authorized
13representative who is not licensed as an insurance producer
14may not:
15        (1) evaluate or interpret the technical terms,
16    benefits, and conditions of the offered travel insurance
17    coverage;
18        (2) evaluate or provide advice concerning a
19    prospective purchaser's existing insurance coverage; or
20        (3) hold himself, herself, or itself out as a licensed
21    insurer, licensed producer, or insurance expert.
22    (f) A travel retailer whose insurance-related activities,
23and those of its employees and authorized representatives, are
24limited to offering and disseminating travel insurance on
25behalf of and under the direction of a travel insurance
26business entity meeting the conditions stated in this Section



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1is authorized to do so and receive related compensation upon
2registration by the travel insurance business entity as
3described in paragraph (2) of subsection (c) of this Section.
4    (g) Travel insurance may be provided under an individual
5policy or under a group, blanket, or master policy.
6    (h) As the insurer designee, the travel insurance business
7entity is responsible for the acts of the travel retailer that
8is registered under its license.
9    (i) Any entity that violates any provision of this Article
10shall be subject to all appropriate regulatory action as set
11forth in this Code.
12    (j) Any person licensed in a major line of authority as an
13insurance producer is authorized to sell, solicit, and
14negotiate travel insurance. A property and casualty insurance
15producer is not required to become appointed by an insurer in
16order to sell, solicit, or negotiate travel insurance.
17    (215 ILCS 5/1640 new)
18    Sec. 1640. Travel protection plans. Travel protection
19plans may be offered for one price for the combined features
20that the travel protection plan offers in this State if:
21        (1) the travel protection plan clearly discloses to
22    the consumer, at or before the time of purchase, that it
23    includes travel insurance, travel assistance services, and
24    cancellation fee waivers, as applicable, and provides
25    information and an opportunity, at or before the time of



10200SB1588sam001- 19 -LRB102 13159 BMS 24366 a

1    purchase, for the consumer to obtain additional
2    information regarding the features and pricing of each;
3    and
4        (2) the fulfillment materials:
5            (A) describe and delineate the travel insurance,
6        travel assistance services, and cancellation fee
7        waivers in the travel protection plan; and
8            (B) include the travel insurance disclosures and
9        the contact information for persons providing travel
10        assistance services, and cancellation fee waivers, as
11        applicable.
12    (215 ILCS 5/1645 new)
13    Sec. 1645. Sales practices.
14    (a) All persons offering travel insurance to residents of
15this State are subject to the Unfair Methods of Competition
16and Unfair and Deceptive Acts and Practices Article of this
17Code, except as otherwise provided in this Section. In the
18event of a conflict between this Article and other provisions
19of this Code regarding the sale and marketing of travel
20insurance and travel protection plans, the provisions of this
21Article shall control.
22    (b) Offering or selling a travel insurance policy that
23could never result in payment of any claims for any insured
24under the policy is an unfair trade practice under Section



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1    (c) Marketing of travel insurance policies shall comply
2with the following:
3        (1) All documents provided to consumers before the
4    purchase of travel insurance, including, but not limited
5    to sales materials, advertising materials, and marketing
6    materials, shall be consistent with the travel insurance
7    policy itself, including, but not limited to, forms,
8    endorsements, policies, rate filings, and certificates of
9    insurance.
10        (2) For travel insurance policies or certificates that
11    contain preexisting condition exclusions, information and
12    an opportunity to learn more about the preexisting
13    condition exclusions shall be provided any time prior to
14    the time of purchase, and in the coverage's fulfillment
15    materials.
16        (3) The fulfillment materials and the information
17    described in subparagraphs (A) through (D) of paragraph
18    (1) of subsection (c) of Section 1635 shall be provided to
19    a policyholder or certificate holder as soon as
20    practicable following the purchase of a travel protection
21    plan. Unless the insured has either started a covered trip
22    or filed a claim under the travel insurance coverage, a
23    policyholder or certificate holder may cancel a policy or
24    certificate for a full refund of the travel protection
25    plan price from the date of purchase of a travel
26    protection plan until at least:



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1            (A) 15 days following the date of delivery of the
2        travel protection plan's fulfillment materials by
3        postal mail; or
4            (B) 10 days following the date of delivery of the
5        travel protection plan's fulfillment materials by
6        means other than postal mail. For the purposes of this
7        Section, delivery means handing fulfillment materials
8        to the policyholder or certificate holder or sending
9        fulfillment materials by postal mail or electronic
10        means to the policyholder or certificate holder.
11        (4) The company shall disclose in the policy
12    documentation and fulfillment materials whether the travel
13    insurance is primary or secondary to other applicable
14    coverage.
15        (5) Where travel insurance is marketed directly to a
16    consumer through an insurer's website or by others through
17    an aggregator site, it shall not be an unfair trade
18    practice or other violation of law where an accurate
19    summary or short description of coverage is provided on
20    the web page, so long as the consumer has access to the
21    full provisions of the policy through electronic means.
22    (d) No person offering, soliciting, or negotiating travel
23insurance or travel protection plans on an individual or group
24basis may do so by using negative option or opt out, which
25would require a consumer to take an affirmative action to
26deselect coverage, such as unchecking a box on an electronic



10200SB1588sam001- 22 -LRB102 13159 BMS 24366 a

1form, when the consumer purchases a trip.
2    (e) It shall be an unfair trade practice under Section 424
3to market blanket travel insurance coverage as free.
4    (f) Where a consumer's destination jurisdiction requires
5insurance coverage, it shall not be an unfair trade practice
6to require that a consumer choose between the following
7options as a condition of purchasing a trip or travel package:
8        (1) purchasing the coverage required by the
9    destination jurisdiction through the travel retailer or
10    limited lines travel insurance producer supplying the trip
11    or travel package; or
12        (2) agreeing to obtain and provide proof of coverage
13    that meets the destination jurisdiction's requirements
14    before departure.
15    (215 ILCS 5/1650 new)
16    Sec. 1650. Travel insurance administrators.
17    (a) Notwithstanding any other provisions of this Code, no
18entity shall act or represent itself as a travel administrator
19for travel insurance in this State unless that entity:
20        (1) is a licensed property and casualty insurance
21    producer in this State for activities permitted under that
22    producer license;
23        (2) holds a valid managing general agent license in
24    this State; or
25        (3) holds a valid third-party administrator license in



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1    this State.
2    (b) An insurer is responsible for the acts of a travel
3administrator administering travel insurance underwritten by
4the insurer, and is responsible for ensuring that the travel
5administrator maintains all books and records relevant to the
6insurer to be made available by the travel administrator to
7the Director upon request.
8    (215 ILCS 5/1655 new)
9    Sec. 1655. Policy.
10    (a) Notwithstanding any other provision of this Code,
11travel insurance shall be classified and filed for purposes of
12rates and forms under an inland marine line of insurance,
13including travel insurance that provides coverage for
14sickness, accident, disability, or death occurring during
15travel, either exclusively, or in conjunction with related
16coverages of emergency evacuation or repatriation of remains,
17or incidental limited property and casualty benefits such as
18baggage or trip cancellation.
19    (b) Travel insurance may be in the form of an individual,
20group, master, or blanket policy.
21    (c) Eligibility and underwriting standards for travel
22insurance may be developed and provided based on travel
23protection plans designed for individual or identified
24marketing or distribution channels, provided those standards
25also meet this State's underwriting standards for inland



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2    (215 ILCS 5/1660 new)
3    Sec. 1660. Rules. The Department may adopt rules to
4implement this Article.
5    (215 ILCS 5/500-108 rep.)
6    Section 10. The Illinois Insurance Code is amended by
7repealing Section 500-108.
8    Section 99. Effective date. This Act takes effect 90 days
9after becoming law.".