380-R – Disclosures to Governmental Agencies.
§ 380-r. Disclosures to governmental agencies. Notwithstanding the provisions of section three hundred eighty-b of this article, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment to a governmental agency.
380-I – Requirements on Users of Consumer Reports.
§ 380-i. Requirements on users of consumer reports. (a) Whenever credit or insurance for personal, family or household purposes is denied, or whenever a residential rental or lease is denied, or the charge for such credit or insurance, or rental or lease is increased, either wholly or partly because of information contained in a consumer […]
380-J – Prohibited Information.
§ 380-j. Prohibited information. (a) No consumer reporting agency shall report or maintain in the file on a consumer, information: (1) relative to an arrest or a criminal charge unless there has been a criminal conviction for such offense, or unless such charges are still pending, (2) relative to a consumer’s race, religion, color, ancestry […]
380-K – Compliance Procedures.
§ 380-k. Compliance procedures. Every consumer or reporting agency shall maintain reasonable procedures designed to avoid violations of sections three hundred eighty-b, three hundred eighty-j and three hundred eighty-t of this article and to limit the furnishing of consumer reports to the purposes listed under said section three hundred eighty-b. These procedures shall require all […]
380 – Short Title.
§ 380. Short title. This article may be cited as the “fair credit reporting act”.
380-A – Definitions.
§ 380-a. Definitions. As used in this article: (a) The term “person” means any individual, partnership, corporation, trust, estate, co-operative, association, government or governmental subdivision, agency or other entity. (b) The term “consumer” means an individual. (c) (1) The term “consumer report” means any written, oral, or other communication of any information by a consumer […]
380-B – Permissible Dissemination of Reports.
§ 380-b. Permissible dissemination of reports. (a) 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 such an order, or (2) In accordance with the written instructions of the consumer to whom it relates, or […]
380-C – Preparation And/or Procurement of Investigative Consumer Reports.
§ 380-c. Preparation and/or procurement of investigative consumer reports. (a) No person may procure or cause to be prepared an investigative consumer report on any consumer unless such person: (1) has first provided the consumer with notice of the procurement or preparation as described in subdivision (b) of this section, and (2) has first received […]
380-D – Disclosure to Consumers.
§ 380-d. Disclosure to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) all information in its files at the time of the request concerning such consumer; and (2) the sources of the information; except that the sources of information acquired […]
380-E – Methods and Conditions of Disclosure to Consumers.
§ 380-e. Methods and conditions of disclosure to consumers. (a) A consumer reporting agency shall make the disclosures required under section three hundred eighty-d of this article during normal business hours and on reasonable notice. (b) The disclosure required under section three hundred eighty-d of this article shall be made to the consumer by one […]