(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 […]
(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 […]
(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 […]
(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: […]
(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 […]
(a) A consumer reporting agency shall, upon request and proper identification of a consumer, provide the consumer: (1) An exact copy of any file on that consumer except any part of the file which contains medical information; (2) A written explanation of codes or trade language used; (3) A description of the rights of the consumer under this subtitle; […]
(a) A consumer reporting agency shall make the disclosures required under § 14–1206(a) of this subtitle during normal business hours and on reasonable notice. (b) The disclosures required under § 14–1206(a) of this subtitle shall be made to the consumer: (1) In person if he appears in person and furnishes proper identification; (2) By telephone if he has made […]
(a) (1) If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and the dispute is directly conveyed to the consumer reporting agency in writing by the consumer, the consumer reporting agency shall within 30 days reinvestigate and record the current status of that information unless it has […]
(a) Notwithstanding the provisions of subsection (b) of this section, a consumer reporting agency may not impose a fee for: (1) A consumer report provided under § 14-1206(a) of this subtitle one time during a 12-month period; (2) A consumer report or disclosure provided under §§ 14-1206(a) and 14-1208(e) of this subtitle if the consumer makes a request […]
A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer’s ability to obtain employment shall: (1) At the time public record information is reported […]
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 […]
(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 […]
(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 […]
(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; […]
(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 § […]
