Title 52

NRS 598B.050 “Credit” defined. “Credit” means the right granted by a creditor to any person to: 1. Incur a debt and defer its payment. 2. Purchase property or services and defer payment for the purchase. 3. Defer payment of an existing debt. (Added to NRS by 1975, 827)

NRS 598B.060 “Creditor” defined. “Creditor” means any person who: 1. Regularly extends, renews or continues credit; 2. Regularly arranges for the extension, renewal or continuation of credit; or 3. Participates in the decision to extend, renew or continue credit as an assignee of…

NRS 598B.070 “Division” defined. “Division” means the Division of Financial Institutions of the Department of Business and Industry. (Added to NRS by 1975, 827; A 1983, 1700; 1993, 1802)

NRS 598B.075 “Marital status” defined. “Marital status” means all states of being married or unmarried, and includes, without limitation, the states of being single, married, separated, divorced or widowed. (Added to NRS by 2019, 1593)

NRS 598B.080 “Person” defined. “Person” includes a government, a governmental agency and a political subdivision of a government. (Added to NRS by 1975, 827; A 1985, 532)

NRS 598B.090 Administration of chapter; duties of Commissioner of Financial Institutions. The Commissioner of Financial Institutions through the Division shall: 1. Administer the provisions of this chapter; 2. Study the nature and extent of any discrimination as to race, color, c…

NRS 598B.100 Unlawful to discriminate on basis of race, color, creed, religion, disability, national origin or ancestry, sex, sexual orientation, gender identity or expression, or marital status. It is unlawful for any creditor to discriminate against any applicant on the basis o…

NRS 598B.110 Considerations in determining creditworthiness. 1. A creditor shall consider the combined income of both spouses for the purpose of extending credit to a married couple and shall not exclude the income of either without just cause. The creditor shall determine the cr…

NRS 598B.115 Extension of credit to be mailed to same address as solicitation; exception. If a creditor other than a creditor subject to the provisions of NRS 97A.142 mails a solicitation for the extension of credit to a person and the person applies for such credit, the creditor…

NRS 598B.120 Separate credit accounts of married persons not to be aggregated for certain purposes. If each party to a marriage separately and voluntarily applies for and obtains separate credit from the same creditor, the credit accounts shall not be aggregated or otherwise comb…

NRS 598B.130 Separate reporting of credit histories required. A credit reporting agency shall identify separately within its records of the reports it delivers, the credit histories of any person, the person’s spouse, if any, and the joint accounts of the person and spouse, if an…

NRS 598B.135 Credit history of spouse deemed identical to applicant under certain circumstances; violation constitutes discrimination on basis of marital status. 1. If an applicant for credit: (a) Has no credit history; (b) Was or is married; (c) Requests that the creditor deem t…

NRS 598B.140 Administrative remedies: Complaint to Division. 1. A complaint may be filed with the Division by any person who has been injured as the result of a creditor’s violation of any provision of this chapter or any regulation adopted thereunder or who has reasonable ground…

NRS 598B.150 Administrative remedies: Investigation and hearing by Division; witnesses. 1. Upon receipt of such a complaint or upon its own initiative, the Division may: (a) Investigate any matters alleged in the complaint or believed to be a discriminatory practice under the pro…

NRS 598B.160 Administrative remedies: Injunctive relief. If the Division orders any creditor to cease and desist from a discriminatory practice and the creditor fails to do so within 20 calendar days after service of the order, the Division may apply to the district court for an …

NRS 598B.170 Civil remedies: Injunctive relief; damages; remedies not cumulative with federal law. 1. Any person injured by a discriminatory credit practice within the scope of the provisions of this chapter may apply directly to the district court for relief. If the court determ…

NRS 598B.180 Limitation of actions. Any action brought under the provisions of this chapter shall be commenced within 1 year from the date of the occurrence of the violation. (Added to NRS by 1975, 829)