Title 52

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)

NRS 598C.010 Definitions. As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 598C.020 to 598C.105, inclusive, have the meanings ascribed to them in those sections. (Added to NRS by 1993, 2459; A 2005, 1524)

NRS 598C.020 “Adverse action” defined. 1. “Adverse action” includes: (a) The denial of, increase in any charge for or reduction in the amount of insurance for personal, family or household purposes; (b) The denial of employment or any other decision for employment purposes that a…

NRS 598C.030 “Commissioner” defined. “Commissioner” means the Commissioner of Consumer Affairs. (Added to NRS by 1993, 2460; R temp. 2009, 2732; R temp. 2011, 2652; R temp. 2013, 1054; R temp. 2015, 3653; R temp. 2017, 2254; R temp. 2019, 2501)

NRS 598C.040 “Consumer” defined. “Consumer” means a person who uses economic goods. (Added to NRS by 1993, 2460)

NRS 598C.050 “Consumer credit” defined. “Consumer credit” means credit granted to a natural person to finance the purchase of goods that directly satisfy human wants or to defray personal or family expenses. (Added to NRS by 1993, 2460)

NRS 598C.060 “Consumer report” defined. 1. “Consumer report” means any communication, written or oral, by a reporting agency regarding the payment history of a particular consumer, including information regarding his or her credit worthiness, credit standing or credit capacity, w…

NRS 598C.070 “File” defined. “File” includes all of the information on the consumer which is recorded and retained by a reporting agency regardless of how the information is stored. (Added to NRS by 1993, 2460)

NRS 598C.080 “Medical information” defined. “Medical information” means information or records relating to medical treatment or condition which is obtained from a licensed provider of health care or medical facility. (Added to NRS by 1993, 2460)

NRS 598C.090 “Person” defined. “Person” includes a governmental entity. (Added to NRS by 1993, 2460)

NRS 598C.100 “Reporting agency” defined. 1. “Reporting agency” means a person who, for fees, dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the business of assembling or evaluating information regarding the credit of or other information regard…

NRS 598C.105 “Security freeze” defined. “Security freeze” means a notice that is placed in the file of a consumer at the request of the consumer pursuant to NRS 598C.300. (Added to NRS by 2005, 1519) GENERAL RIGHTS AND OBLIGATIONS

NRS 598C.110 Duties of reporting agency. A reporting agency: 1. Shall include with any written disclosure to a consumer a summary of his or her rights under this chapter. 2. Shall not include medical information in its files. 3. Shall include in any consumer report information co…

NRS 598C.120 Person shall not procure consumer report to resell or disclose information in report; exception. A person shall not procure a consumer report to resell or disclose the report or the information contained in the report unless the person discloses to the reporting agen…

NRS 598C.130 Disclosures to consumer regarding consumer report. Upon request and information sufficient to identify a consumer, a reporting agency shall: 1. Clearly and accurately disclose to the consumer the nature and substance of the consumer report in its files which relates …

NRS 598C.140 Furnishing consumer report for determination of whether to extend credit. 1. A reporting agency may furnish a consumer report concerning a consumer for an extension of credit which he or she did not initiate only if: (a) The contemplated transaction represents a firm…

NRS 598C.150 Purging of information from files of reporting agency; disclosure of purged information. A reporting agency shall periodically purge from its files and after purging shall not disclose: 1. Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjud…

NRS 598C.160 Duties of reporting agency when consumer disputes accuracy of information in its files. 1. If a consumer disputes the accuracy of any information in the files of a reporting agency which relates to him or her, and the reporting agency is made aware of the dispute by …

NRS 598C.170 Person who takes adverse action based on consumer report to provide certain information to consumer. If a person takes adverse action with respect to a consumer which is based on a consumer report from a reporting agency, the person shall: 1. Notify the consumer of t…

NRS 598C.180 Commissioner of Consumer Affairs to administer chapter; duties of Attorney General. 1. The provisions of this chapter must be administered by the Commissioner of Consumer Affairs. 2. The Attorney General shall provide opinions for the Commissioner on all questions of…

NRS 598C.190 Remedies of consumer for willful failure of reporting agency to comply with provisions of chapter. If a reporting agency or user of information willfully fails to comply with any provision of this chapter with respect to any consumer, the reporting agency is liable t…

NRS 598C.200 Remedies of consumer for negligent failure of reporting agency to comply with provisions of chapter. If a reporting agency or user of information negligently fails to comply with any provision of this chapter with respect to any consumer, the reporting agency is liab…

NRS 598C.300 Duty of reporting agency to place security freeze in file of consumer upon request; procedures; use of personal identification number or password; security freeze must not be considered adverse factor against consumer. 1. A consumer may place a security freeze in his…

NRS 598C.310 Duty of reporting agency to provide written disclosure of rights of consumer regarding security freeze; form of written disclosure. If a consumer requests that a security freeze be placed in his or her file, a reporting agency shall provide a written disclosure of th…

NRS 598C.320 Fees; exception to payment of fees for certain consumers. 1. Except as otherwise provided in this section, a reporting agency may charge a consumer a fee, not to exceed $10, to place, remove or temporarily release a security freeze on his or her file. 2. A reporting …

NRS 598C.330 Duty of reporting agency to provide notice of changes made to consumer file; exceptions. 1. After a security freeze has been placed in the file of a consumer, a reporting agency shall not make any changes to the file of the consumer relating to: (a) The name of the c…

NRS 598C.340 Reporting agency prohibited from providing consumer report when security freeze in effect; third party may deem credit application incomplete under certain circumstances. 1. Except as otherwise provided in NRS 598C.350 to 598C.380, inclusive, if a security freeze has…

NRS 598C.350 Temporary release of consumer report upon request of consumer. 1. To authorize the temporary release of a consumer report after a security freeze has been placed in the file of the consumer, the consumer must contact the reporting agency and request that his or her c…

NRS 598C.360 Removal of security freeze upon request of consumer. 1. To authorize the removal of a security freeze that has been placed in the file of a consumer, the consumer must contact the reporting agency and request that the security freeze be removed. At the time of the re…

NRS 598C.370 Removal of security freeze by reporting agency; notice to consumer. 1. A reporting agency may remove a security freeze from the file of a consumer if the reporting agency has a reasonable belief that: (a) The security freeze was placed in the file of the consumer bec…

NRS 598C.380 Release of consumer report by reporting agency to authorized persons. Notwithstanding that a security freeze has been placed in the file of a consumer, a reporting agency may release the consumer report of the consumer to: 1. A person with whom the consumer has an ex…

NRS 598C.390 Companies not required to place security freeze in file of consumer. The following companies are not required to place a security freeze in the file of a consumer: 1. A check services or fraud prevention services company which issues reports on incidents of fraud or …

NRS 598D.010 Definitions. As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 598D.020 to 598D.050, inclusive, have the meanings ascribed to them in those sections. (Added to NRS by 2003, 2890)

NRS 598D.020 “Borrower” defined. “Borrower” means a natural person who is a mortgagor, grantor of a deed of trust or other debtor of a home loan. (Added to NRS by 2003, 2890)

NRS 598D.030 “Home” defined. “Home” means a dwelling or dwellings for not more than four families, the principal use of which is for residential purposes. The term includes, without limitation: 1. A dwelling on a farm. 2. A dwelling unit of a cooperative housing corporation. 3. A…

NRS 598D.040 “Home loan” defined. “Home loan” means a consumer credit transaction that is secured by a mortgage loan which involves real property located within this State and includes, without limitation, a consumer credit transaction that constitutes a mortgage under § 152 of t…

NRS 598D.050 “Lender” defined. “Lender” means a mortgagee, beneficiary of a deed of trust or other creditor who holds a mortgage, deed of trust or other instrument that encumbers home property as security for the repayment of a home loan. (Added to NRS by 2003, 2890)

NRS 598D.100 Unfair lending practices. 1. It is an unfair lending practice for a lender to: (a) Require a borrower, as a condition of obtaining or maintaining a home loan secured by home property, to provide property insurance on improvements to home property in an amount that ex…

NRS 598D.110 Criminal and civil penalties; borrower’s defense against unpaid obligation. 1. A lender who willfully engages in an unfair lending practice described in this chapter is guilty of a misdemeanor. 2. If a lender willfully engages in any unfair lending practice described…

NRS 598D.120 Repurchase of home loan by lender who sold home loan. 1. If an action has been filed in a court of competent jurisdiction claiming an unfair lending practice in connection with a home loan, the lender who holds the home loan may sell the home loan and recover damages…

NRS 598D.130 Required provisions in instrument that secures certain home loans. If: 1. A mortgage, deed of trust or other instrument encumbers home property as security for repayment of a home loan; and 2. The home loan is subject to the provisions of § 152 of the Home Ownership …

NRS 598D.150 Enforcement by Attorney General; local regulation prohibited. 1. The Attorney General has primary jurisdiction to investigate and prosecute violations of this chapter. 2. When acting pursuant to this section, the Attorney General may commence his or her investigation…