New York General Business Law Article 25 - FAIR CREDIT REPORTING ACT

• 380 - Short Title.
  This article may be cited as the "fair credit reporting act".
• 380-a - Definitions.
  As used in this article: (a) The term "person" means any individual, partnership, corporation, trust, estate, co-operative, association, government or governmental subdivision, agency or other...
• 380-b - Permissible Dissemination of Reports.
  (a) A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) In response to the order of a...
• 380-c - Preparation And/or Procurement of Investigative Consumer Reports.
  (a) No person may procure or cause to be prepared an investigative consumer report on any consumer unless such person: (1) has first provided the...
• 380-d - Disclosure to Consumers.
  (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) all information in...
• 380-e - Methods and Conditions of Disclosure to Consumers.
  (a) A consumer reporting agency shall make the disclosures required under section three hundred eighty-d of this article during normal business hours and on reasonable...
• 380-f - Procedure for Resolving Disputes.
  (a) If a consumer disputes any item of information contained in his file, and such dispute is directly conveyed to the consumer reporting agency by...
• 380-g - Public Record Information.
  A consumer reporting agency which compiles and reports items of information on consumers which are matters of public record shall: (a) at the time such...
• 380-h - Restrictions on Investigative Consumer Reports.
  (a) Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in such report, other than information which is a matter of...
• 380-i - Requirements on Users of Consumer Reports.
  (a) Whenever credit or insurance for personal, family or household purposes is denied, or whenever a residential rental or lease is denied, or the charge...
• 380-j - Prohibited Information.
  (a) No consumer reporting agency shall report or maintain in the file on a consumer, information: (1) relative to an arrest or a criminal charge...
• 380-k - Compliance Procedures.
  Every consumer or reporting agency shall maintain reasonable procedures designed to avoid violations of sections three hundred eighty-b, three hundred eighty-j and three hundred eighty-t...
• 380-l - Civil Liability for Willful Noncompliance.
  Any person, firm, partnership, corporation, or association whose knowing and willful violation of section three hundred eighty-s of this article resulted in the transmission or...
• 380-m - Civil Liability for Negligent Noncompliance.
  Any consumer reporting agency or user of information who or which is negligent in failing to comply with any requirement imposed under this article, other...
• 380-n - Jurisdiction of Courts; Limitation of Actions.
  An action to enforce any liability, created under this article may be brought in any court of competent jurisdiction, within two years from the date...
• 380-o - Obtaining or Introducing Information Under False Pretenses; Penalty.
  1. Any person who knowingly and willfully obtains information concerning a consumer from a consumer reporting agency under false pretenses shall, upon conviction, be fined...
• 380-p - Unauthorized Disclosures by Officers or Employees; Penalty.
  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...
• 380-q - Disclosure of Medical Information.
  Whenever any provision of this article requires disclosure of medical information, or the disclosure of a reason for adverse action which involves medical information, such...
• 380-r - Disclosures to Governmental Agencies.
  Notwithstanding the provisions of section three hundred eighty-b of this article, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his...
• 380-s - Theft of Identity.
  No person, firm, partnership, corporation, or association or employee thereof shall knowingly and with the intent to defraud, obtain, possess, transfer, use, or attempt to...
• 380-t - Security Freeze.
  (a) A consumer may request that a security freeze be placed on his or her consumer credit report by sending a request in writing with...
• 380-u - Security Record Freeze for Protected Minors.
  (a) A consumer credit reporting agency shall place a security freeze for a protected consumer if: (1) The consumer credit reporting agency receives a request...
• 380-v - Severability.
  If any provision of this article or the application thereof to any person or circumstances is held to be invalid, such invalidity shall not affect...

Last modified: February 3, 2019