Section 359-B:1 – Short Title.

    359-B:1 Short Title. – This chapter may be cited as the Fair Credit Reporting Act. Source. 1971, 430:1, eff. Aug. 29, 1971.

Section 359-B:10 – Conditions of Disclosure to Consumers.

    359-B:10 Conditions of Disclosure to Consumers. – I. A consumer reporting agency shall make the disclosures required under RSA 359-B:9 during normal business hours and on reasonable notice. II. The disclosures required under RSA 359-B:9 shall be made to the consumer: (a) In person if he appears in person and furnishes proper identification; or […]

Section 359-B:11 – Procedure in Case of Disputed Accuracy.

    359-B:11 Procedure in Case of Disputed Accuracy. – I. If the completeness or accuracy of any item of information contained in the consumer’s file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time, […]

Section 359-B:12 – Charges for Certain Disclosures.

    359-B:12 Charges for Certain Disclosures. – A consumer reporting agency shall make all disclosures pursuant to RSA 359-B:9 and furnish all consumer reports pursuant to RSA 359-B:11, VII, without charge to the consumer if, within 30 days after receipt by such consumer of a notification pursuant to RSA 359-B:15 or notification from a debt […]

Section 359-B:13 – Public Record Information for Employment Purposes.

    359-B:13 Public Record Information for Employment Purposes. – 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 […]

Section 359-B:14 – Restrictions on Investigative Consumer Reports.

    359-B:14 Restrictions on Investigative Consumer Reports. – Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making […]

Section 359-B:15 – Requirements on Users of Consumer Reports.

    359-B:15 Requirements on Users of Consumer Reports. – I. Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer, is denied or the charge for such credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the […]

Section 359-B:16 – Civil Liability for Willful Noncompliance.

    359-B:16 Civil Liability for Willful Noncompliance. – Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of: I. Any actual damages sustained by the consumer as […]

Section 359-B:17 – Civil Liability for Negligent Noncompliance.

    359-B:17 Civil Liability for Negligent Noncompliance. – Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of: I. Any actual damages sustained by the […]

Section 359-B:18 – Jurisdiction of Courts; Limitation of Actions.

    359-B:18 Jurisdiction of Courts; Limitation of Actions. – An action to enforce any liability created under this chapter may be brought in any court of competent jurisdiction within 2 years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under this chapter […]

Section 359-B:19 – Obtaining Information Under False Pretenses.

    359-B:19 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 guilty of a misdemeanor if a natural person, or guilty of a felony if any other person. Source. 1971, 430:1. 1973, 528:253, eff. Oct. 31, 1973 […]

Section 359-B:2 – Findings and Purpose.

    359-B:2 Findings and Purpose. – I. The general court makes the following findings: (a) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the […]

Section 359-B:20 – Unauthorized Disclosures by Officers and Employees.

    359-B:20 Unauthorized Disclosures by Officers and 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 […]

Section 359-B:21 – Administrative Enforcement.

    359-B:21 Administrative Enforcement. – Compliance with the requirements imposed under this chapter shall be enforced by the attorney general. Source. 1971, 430:1. 1979, 171:1. 1985, 300:7, I(b).

Section 359-B:22 – Definitions.

    359-B:22 Definitions. – In this subdivision: I. " Identity theft " means the unauthorized taking or use of an individual’s personal information to obtain credit, goods, services, money, or property, with the intent to commit fraud. In this paragraph, personal information includes, but is not limited to, an individual’s first name or initial and […]

Section 359-B:23 – Notice to Consumers.

    359-B:23 Notice to Consumers. – At any time that a consumer is required to receive a summary of rights required under section 609 of the federal Fair Credit Reporting Act, 15 U.S.C. section 1681g, the following notice shall be included: Notice to New Hampshire Consumers Right to Security Freeze on Consumer Credit Report You […]

Section 359-B:24 – Security Freeze by Consumer Reporting Agency.

    359-B:24 Security Freeze by Consumer Reporting Agency. – I. A consumer may place a security freeze on the consumer’s consumer report by making a request to a consumer reporting agency in accordance with this section. A security freeze shall prohibit, subject to exceptions in RSA 359-B:26, the consumer reporting agency from releasing the consumer’s […]

Section 359-B:25 – Repealed by 2018, 198:2; 209:2, eff. Jan. 1, 2019.

    359-B:25 Repealed by 2018, 198:2; 209:2, eff. Jan. 1, 2019. –

Section 359-B:26 – Persons Not Required to Place Security Freeze.

    359-B:26 Persons Not Required to Place Security Freeze. – The following persons are not required to place a security freeze on a consumer report pursuant to RSA 359-B:24, except that any person that is not required to place a security freeze on a consumer report under paragraph III is subject to a security freeze […]

Section 359-B:27 – Victim of Identity Theft; Access to Consumer Report.

    359-B:27 Victim of Identity Theft; Access to Consumer Report. – Every consumer credit reporting agency shall, upon the receipt from a victim of identity theft of a police report, investigative report, or complaint the consumer has filed with a law enforcement agency about unlawful use of personal information by another person, provide the victim, […]