Section 14-1211 – Restrictions on Subsequent Use of Adverse Information in Investigative Consumer Reports
Whenever a consumer reporting agency prepares an investigative consumer report, any adverse information in the consumer report (other than information which is a matter of public record) may not be included in a subsequent consumer report unless the adverse information has been verified in the process of making the subsequent consumer report or the adverse […]
Section 14-1212 – Duty of User of Consumer Report to Notify Consumer
(a) Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied or the charge for credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against […]
Section 14-1212.1 – Security Freeze by Consumer
(a) (1) In this section the following words have the meanings indicated. (2) “Account review” includes activities related to account maintenance, account monitoring, credit line increases, and account upgrades and enhancements. (3) “Security freeze” means a restriction placed on a consumer’s consumer report at the request of the consumer that prohibits a consumer reporting agency from releasing the consumer’s […]
Section 14-1212.2 – Security Freeze by Consumer Reporting Agency
(a) (1) In this section the following words have the meanings indicated. (2) “Protected consumer” means an individual who is: (i) Under the age of 16 years; (ii) An incapacitated person or a protected person for whom a guardian or conservator has been appointed in accordance with Title 13 of the Estates and Trusts Article; (iii) 85 years old or older; […]
Section 14-1212.3 – Security Freeze for Consumer Record of Foster Children
(a) (1) In this section the following words have the meanings indicated. (2) “Department” means the Department of Human Services. (3) “Foster care” has the meaning stated in § 5–501(c) of the Family Law Article. (4) “Local department” means: (i) A local department of social services created or continued in a county of the State or in Baltimore City under § […]
Section 14-1201 – Definitions
(a) In this subtitle the following words have the meanings indicated. (b) “Breach of the security of a system” has the meaning stated in § 14–3504 of this title. (c) “Commissioner” means the Commissioner of Financial Regulation of the Maryland Department of Labor. (d) “Consumer” means an individual. (e) (1) “Consumer report” means any written, oral, or other communication of any […]
Section 14-1202 – Permissible Purposes of Consumer Reports; Restrictions on Sale or Transfer
(a) Subject to subsection (b) of this section and § 14-1205 of this subtitle, a consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) In response to the order of a court having jurisdiction to issue the order; (2) In accordance with the written instructions of the consumer to whom it […]
Section 14-1203 – Reporting of Obsolete Information Prohibited
(a) Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information: (1) Bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than 10 years; (2) Suits and judgments which, from date of entry, antedate the […]
Section 14-1204 – Disclosure of Investigative Consumer Reports
(a) A person may not procure or cause to be prepared an investigative consumer report on any consumer unless: (1) It is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and the disclosure: […]
Section 14-1205 – Compliance Procedures; Identifying Information to Governmental Agency
(a) (1) A consumer reporting agency shall maintain reasonable procedures designed to avoid violations of § 14-1203 of this subtitle and to limit the furnishing of consumer reports to the purposes listed under § 14-1202 of this subtitle. (2) The procedures at a minimum shall require that prospective users of the information identify themselves, certify the purposes for […]