Sections
9 entriesSection 1785.20Requires a person taking adverse action based partly or wholly on a consumer credit report to notify the consumer, identify the reporting…Section 1785.20.1Requires a person using a prequalifying report for a non-consumer-initiated firm credit offer to disclose report use, selection criteria, possible later disqualification,…Section 1785.20.2Requires a person making or arranging a loan secured by one to four residential units and using a credit score to provide…Section 1785.20.3Requires creditors using consumer reports to take reasonable identity-verification steps when application information materially mismatches the report or they are told the…Section 1785.20.4Prohibits a housing provider, tenant screening company, or other entity evaluating tenants for a housing provider from treating alleged COVID-19 rental debt…Section 1785.20.5Requires written notice before obtaining a consumer credit report for employment, identifying the employment basis and report source and offering a checkbox…Section 1785.20.6Prohibits any person using a consumer credit report in connection with a credit transaction from treating medical debt listed on that report…Section 1785.21Allows a user to tell a consumer that, on request, it may ask the reporting agency to investigate disputed report information. The…Section 1785.22Prohibits procuring a consumer credit report for resale unless the reseller discloses to the issuing agency the ultimate end user's identity and…