Section 45.48.210. Exemptions.

   (a) The provisions of AS 45.48.100 - 45.48.290 do not apply to the use of a credit report by
        (1) a person, the person's subsidiary, affiliate, or agent, or the person's assignee with whom a consumer has or, before the assignment, had an account, contract, or debtor-creditor relationship if the purpose of the use is to review the consumer's account or to collect a financial obligation owing on the account, contract, or debt;
        (2) a subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person to whom access has been granted under AS 45.48.130 if the purpose of the use is to facilitate the extension of credit or another permissible use;
        (3) a person acting under a court order, warrant, or subpoena;
        (4) an agency of a state or municipality that administers a program for establishing and enforcing child support obligations;
        (5) the Department of Health and Social Services, its agents, or its assigns when investigating fraud;
        (6) the Department of Revenue, its agents, or its assigns when investigating or collecting delinquent taxes or unpaid court orders or when implementing its other statutory responsibilities;
        (7) a person if the purpose of the use is prescreening allowed under 15 U.S.C. 1681b(c) (Fair Credit Reporting Act);
        (8) a person administering a credit file monitoring subscription service to which the consumer has subscribed;
        (9) a person providing a consumer with a copy of the consumer's credit report or credit score at the consumer's request;
        (10) a person if the database or file of the consumer credit reporting agency consists entirely of information concerning and used solely for one or more of the following purposes:
             (A) criminal record information;
             (B) personal loss history information;
             (C) fraud prevention or detection;
             (D) tenant screening; or
             (E) employment screening; or
        (11) a person for use for insurance purposes in setting a rate, adjusting a rate, adjusting a claim, or underwriting, except that this paragraph may not be interpreted to authorize an insurance practice that is prohibited by other law; this paragraph may not be interpreted to affect AS 21.36.460 or AS 21.39.035.
   (b) Except as provided by AS 45.48.190, the provisions of AS 45.48.100 - 45.48.290 do not apply to a person when acting only as a reseller of consumer information.

Notes

Recent Bills that will modify this

HB 367 INSURANCE: USE OF CREDIT SCORE PROHIBITED

History

(Sec. 4 ch 92 SLA 2008)