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Ch. 308
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2007 Laws of Maryland
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(2) THIS SECTION DOES NOT APPLY TO:
(I) A CHECK SERVICES OR FRAUD PREVENTION SERVICES
COMPANY THAT ISSUES:
1. REPORTS ON INCIDENTS OF FRAUD; OR
2. AUTHORIZATIONS FOR THE PURPOSE OF
APPROVING OR PROCESSING NEGOTIABLE INSTRUMENTS, ELECTRONIC FUNDS
TRANSFER, OR SIMILAR PAYMENT METHODS;
(II) A DEPOSIT ACCOUNT INFORMATION SERVICE COMPANY
THAT ISSUES REPORTS REGARDING ACCOUNT CLOSURES DUE TO FRAUD,
SUBSTANTIAL OVERDRAFTS, AUTOMATED TELLER MACHINE ABUSE, OR SIMILAR
NEGATIVE INFORMATION REGARDING A CONSUMER TO INQUIRING BANKS OR
OTHER FINANCIAL INSTITUTIONS FOR USE ONLY IN REVIEWING A CONSUMER
REQUEST FOR A DEPOSIT ACCOUNT AT THE INQUIRING BANK OR FINANCIAL
INSTITUTION; OR
(III) A CONSUMER REPORTING AGENCY DATABASE OR FILE
THAT CONSISTS ENTIRELY OF CONSUMER INFORMATION CONCERNING, AND
USED SOLELY FOR:
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1.
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CRIMINAL RECORD INFORMATION;
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2.
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PERSONAL LOSS HISTORY INFORMATION;
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3.
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FRAUD PREVENTION OR DETECTION;
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4.
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EMPLOYMENT SCREENING; OR
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5.
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TENANT SCREENING.
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(c) (1) A CONSUMER MAY ELECT TO PLACE A SECURITY FREEZE ON
THE CONSUMER'S CONSUMER REPORT BY:
(I) WRITTEN REQUEST SENT BY CERTIFIED MAIL;
(II) TELEPHONE SUBJECT BEGINNING JANUARY 1, 2010,
SUBJECT TO PARAGRAPH (5) (6) OF THIS SUBSECTION, TELEPHONE, BY
PROVIDING CERTAIN PERSONAL INFORMATION THAT THE CONSUMER
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- 1982 -
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