New Hampshire Revised Statutes 359-B:4 – Permissible Purposes of Reports
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I. A consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(a) In response to the order of a court having jurisdiction to issue such an order.
(b) In accordance with the written instructions of the consumer to whom it relates.
(c) To a person which it has reason to believe-
(1) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(2) intends to use the information for employment purposes; or
(3) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(4) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
(5) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
II. (a) A consumer reporting agency may furnish information for the purposes of a transaction under subparagraph I(c)(1) and (5) of this section when the transaction is not initiated by the consumer, only if:
(1) The consumer authorized the consumer reporting agency to furnish the information; or
(2) The transaction involves a firm offer of credit to the consumer or is a pre-screening or direct solicitation transaction; and
(A) The consumer reporting agency has complied with N.H. Rev. Stat. § 359-B:4-a; and
(B) The consumer has not elected in accordance with N.H. Rev. Stat. § 359-B:4-a to have information about himself excluded from such transactions.
(b) Notwithstanding subparagraph (a), a consumer reporting agency may, in the case of a credit transaction initiated by the consumer, use such information in reviewing or collecting an account of the consumer or in other circumstances under which a consumer report may be provided under subparagraph I(c)(5), provided there is an ongoing relationship between the user of the consumer report and the consumer.
(c) An election of a consumer under N.H. Rev. Stat. § 359-B:4-a shall terminate and be of no force or effect following notice from the consumer to the consumer reporting agency, through the system established pursuant to N.H. Rev. Stat. § 359-B:4-a, that the election is no longer effective.
III. Notwithstanding the provisions of paragraphs I and II, a consumer reporting agency may furnish an investigative consumer report to the consumer as provided in N.H. Rev. Stat. § 359-B:9, III.
(a) In response to the order of a court having jurisdiction to issue such an order.
Terms Used In New Hampshire Revised Statutes 359-B:4
- following: when used by way of reference to any section of these laws, shall mean the section next preceding or following that in which such reference is made, unless some other is expressly designated. See New Hampshire Revised Statutes 21:13
- Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
- person: may extend and be applied to bodies corporate and politic as well as to individuals. See New Hampshire Revised Statutes 21:9
(b) In accordance with the written instructions of the consumer to whom it relates.
(c) To a person which it has reason to believe-
(1) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(2) intends to use the information for employment purposes; or
(3) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(4) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
(5) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
II. (a) A consumer reporting agency may furnish information for the purposes of a transaction under subparagraph I(c)(1) and (5) of this section when the transaction is not initiated by the consumer, only if:
(1) The consumer authorized the consumer reporting agency to furnish the information; or
(2) The transaction involves a firm offer of credit to the consumer or is a pre-screening or direct solicitation transaction; and
(A) The consumer reporting agency has complied with N.H. Rev. Stat. § 359-B:4-a; and
(B) The consumer has not elected in accordance with N.H. Rev. Stat. § 359-B:4-a to have information about himself excluded from such transactions.
(b) Notwithstanding subparagraph (a), a consumer reporting agency may, in the case of a credit transaction initiated by the consumer, use such information in reviewing or collecting an account of the consumer or in other circumstances under which a consumer report may be provided under subparagraph I(c)(5), provided there is an ongoing relationship between the user of the consumer report and the consumer.
(c) An election of a consumer under N.H. Rev. Stat. § 359-B:4-a shall terminate and be of no force or effect following notice from the consumer to the consumer reporting agency, through the system established pursuant to N.H. Rev. Stat. § 359-B:4-a, that the election is no longer effective.
III. Notwithstanding the provisions of paragraphs I and II, a consumer reporting agency may furnish an investigative consumer report to the consumer as provided in N.H. Rev. Stat. § 359-B:9, III.