Section 14-1221 – Civil Liability

    (a)    Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this subtitle with respect to any consumer is liable to that consumer in an amount equal to the sum of:         (1)    Any actual damages sustained by the consumer as a result of the failure;         (2)    Such amount of punitive […]

Section 14-1222 – Limitation of Actions

    An action to enforce any liability created under this subtitle may be brought within two years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under this subtitle to be disclosed to an individual and the information so misrepresented is material to the […]

Section 14-1223 – Obtaining Information Under False Pretenses

    Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than $5,000 or imprisoned not more than one year or both.

Section 14-1224 – Unauthorized Disclosures by Officers or Employees

    Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency’s files to a person not authorized to receive that information shall be fined not more than $5,000 or imprisoned not more than one year or both.

Section 14-1225 – Consumer Complaints

    (a)    Any consumer who has reason to believe that this subtitle, or any other law regulating consumer credit reporting, has been violated by any person may file with the Commissioner a complaint setting forth the details of an alleged violation.     (b)    After receipt of the complaint, the Commissioner may inspect the pertinent books, records, letters and contracts […]

Section 14-1226 – Enforcement

    (a)    The Commissioner, in addition to taking any other action authorized by law, may:         (1)    Hold a hearing on the complaint at a time and place in this State reasonably convenient to the parties involved;         (2)    Subpoena and take depositions of witnesses;         (3)    Conduct investigations that the Commissioner considers necessary;         (4)    Administer oaths;         (5)    Issue orders for compliance with this subtitle; […]

Section 14-1227 – Confidentiality Requirements

    (a)    (1)    The requirements under any federal law and Title 4, Subtitles 1 through 5 of the General Provisions Article regarding the privacy or confidentiality of information or material provided to NMLS, and any privilege arising under federal or state law, including the rules of any federal or state court with respect to that information or material, […]