What is the primary subject matter of the North Carolina Insurance Information and Privacy Protection Act (Article 39 of Chapter 58)?

Why B is correct

Article 39 (G.S. 58-39-5 through 58-39-120), the Insurance Information and Privacy Protection Act, governs how insurance institutions collect, use, and disclose personal information about individuals gathered in connection with insurance transactions. It gives individuals rights regarding their own information and imposes authorization and notice requirements on the institutions that hold it.

Why the other options are wrong

• A) Commission matters are addressed under Article 33, not the privacy act.
• C) Guaranty association limits are established in Article 62 under G.S. 58-62-21.
• D) Continuing education is governed by 11 NCAC 6A .0802 and G.S. 58-33-130, not by Article 39.

Memory hook

Article 39 is about personal information in insurance files - not money, not hours.

Why B is correct

The collection, maintenance, use, and disclosure of consumers' personal and privileged insurance information in North Carolina is governed by the Insurance Information and Privacy Protection Act, Article 39 of Chapter 58 (G.S. 58-39-5 through 58-39-120). Selling prescription drug histories to an unrelated marketer without the individuals' authorization would violate that Act. The other statutes listed address unfair trade practices, required policy wording, and insurer insolvency — not privacy of consumer information.

Why the other options are wrong

• A: G.S. 58-63-15 targets unfair methods of competition and deceptive acts such as misrepresentation and defamation, not the handling of policyholders' private information.
• C: G.S. 58-51-15 prescribes standard provisions that must appear in individual accident and health policies, such as grace and proof-of-loss clauses; it does not regulate data handling.
• D: G.S. 58-62-21 protects policyholders when a member insurer becomes insolvent; it has no role in governing disclosure of health information.

Memory hook

Article 39 = the privacy article — 39 sounds like 'private.'