1560

LAWS OF MARYLAND

Ch. 584

WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER,
GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF
LIVING WHICH IS USED OR EXPECTED TO BE USED OR COLLECTED
IN WHOLE OR IN PART FOR THE PURPOSE OF SERVING AS A
FACTOR IN ESTABLISHING THE CONSUMER'S ELIGIBILITY FOR

(I)         CREDIT OR INSURANCE TO BE USED
PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES, OR

(II)       EMPLOYMENT PURPOSES, OR

(III)    OTHER PURPOSES AUTHORIZED UNDER
SECTION 14-1202 OF THIS SUBTITLE.

(2)         THE TERM DOES NOT INCLUDE

(I)          ANY REPORT CONTAINING INFORMATION
SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE
CONSUMER AND THE PERSON MAKING THE REPORT;

(II)       ANY AUTHORIZATION OR APPROVAL OF A
SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY BY
THE ISSUER OF A CREDIT CARD OR SIMILAR DEVICE; OR

(III)     ANY REPORT IN WHICH A PERSON WHO
HAS BEEN REQUESTED BY A THIRD PARTY TO MAKE A SPECIFIC
EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER
CONVEYS HIS DECISION WITH RESPECT TO THE REQUEST, IF THE
THIRD PARTY ADVISES THE CONSUMER OF THE NAME AND ADDRESS
OF THE PERSON TO WHOM THE REQUEST WAS MADE AND THE PERSON
MAKES THE DISCLOSURES TO THE CONSUMER REQUIRED UNDER
SECTION 14-1212 OF THIS SUBTITLE.

(E)    INVESTIGATIVE CONSUMER REPORT.

"INVESTIGATIVE CONSUMER REPORT" MEANS A CONSUMER
REPORT OR PORTION OF IT IN WHICH INFORMATION ON A
CONSUMER'S CHARACTER, GENERAL REPUTATION, PERSONAL
CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH
PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR
ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS
WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE
CONCERNING ANY ITEMS OF INFORMATION. HOWEVER, THE
INFORMATION DOES NOT INCLUDE SPECIFIC FACTUAL INFORMATION
ON A CONSUMER'S CREDIT RECORD OBTAINED DIRECTLY FROM A
CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING
AGENCY WHEN THE INFORMATION WAS OBTAINED DIRECTLY FROM A
CREDITOR OF THE CONSUMER OR FROM THE CONSUMER.

(F)    CONSUMER REPORTING AGENCY.

"CONSUMER REPORTING AGENCY" MEANS ANY PERSON WHICH,
FOR MONETARY FEES, DUES, OR ON A COOPERATIVE NONPROFIT
BASIS, REGULARLY ENGAGES IN WHOLE OR IN FART IN THE
PRACTICE OF ASSEMBLING OR EVALUATING CONSUMER CREDIT
INFORMATION OR OTHER INFORMATION ON CONSUMERS FOR THE
PURPOSE OF FURNISHING CONSUMER REPORTS TO THIRD PARTIES,
AND WHICH USES ANY MEANS OR FACILITY OF COMMERCE FOR THE