MARVIN MANDEL, Governor                                1569

14-1214. 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 WILFULLY MISREPRESENTED ANY
INFORMATION REQUIRED UNDER THIS SUBTITLE TO BE DISCLOSED
TO AN INDIVIDUAL AND THE INFORMATION SO MISREPRESENTED IS
MATERIAL TO THE ESTABLISHMENT OF THE DEFENDANT'S
LIABILITY TO THAT INDIVIDUAL UNDER THIS SUBTITLE, THE
ACTION MAY BE BROUGHT AT ANY TIME WITHIN TWO YEARS AFTER
DISCOVERY BY THE INDIVIDUAL OF THE MISREPRESENTATION.

14-1215. OBTAINING INFORMATION UNDER FALSE PRETENSES.

ANY PERSON WHO KNOWINGLY AND WILFULLY 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.

14-1216. UNAUTHORIZED DISCLOSURES BY OFFICERS OR
EMPLOYEES.

ANY OFFICER OR EMPLOYEE OF A CONSUMER REPORTING
AGENCY WHO KNOWINGLY AND WILFULLY PROVIDES INFORMATION
CONCERNING AN INDIVIDUAL FROM THE AGENCY'S FILES TO A
PERSON MOT AUTHORIZED TO RECEIVE THAT INFORMATION SHALL
BE FINED NOT MORE THAN $5,000 OR IMPRISONED NOT MORE THAN
ONE YEAR, OR BOTH.

14-[[1214]] 1217. CONSUMER COMPLAINTS.

(A)    COMPLAINTS.

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)    INSPECTION OF RECORDS.

AFTER RECEIPT OF THE COMPLAINT, THE COMMISSIONER MAY
INSPECT THE PERTINENT BOOKS, RECORDS, LETTERS AND
CONTRACTS OF ANY AGENCY, AND OF ANY PERSON WHO HAS
FURNISHED INFORMATION TO THE AGENCY RELATING TO THE
SPECIFIC WRITTEN COMPLAINT.

14—[[1215]] 1218. ENFORCEMENT.

(A) POWERS OF COMMISSIONER.

THE COMMISSIONER MAY:

(1) HOLD A HEARING ON THE COMPLAINT AT A
TIME AND PLACE IN THIS STATE REASONABLY CONVENIENT TO THE