INVESTIGATIVE CONSUMER REPORTS.

72A.496 INVESTIGATIVE CONSUMER REPORTS. § Subdivision 1.Notice. An insurer, insurance agent, or insurance-support organization must not prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits, unless the insurer or insurance agent informs the person: (1) that the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and (2) that, upon a request pursuant to section 72A.497, the individual is entitled to receive a copy of the investigative consumer report. § Subd. 2.Reports prepared by insurers. If an investigative consumer report is to be prepared by an insurer or insurance agent, the insurer or insurance agent shall institute reasonable procedures to conduct a personal interview requested by an individual. § Subd. 3.Reports prepared by insurance-support organizations. If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures for conducting an interview, if requested. History: 1989 c 316 s 8