Title XXXI, Trade and Commerce

A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer's ability to obtain …

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verif…

I. Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer, is denied or the charge for such credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporti…

Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of: I. Any actual damages sustained by the consumer as a resu…

Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of: I. Any actual damages sustained by the consumer as …

An action to enforce any liability created under this chapter may be brought in any court of competent jurisdiction within 2 years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under…

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.

I. The general court makes the following findings: (a) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence whic…

Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be fined not more than $5,000 or imprisoned not more than one year…

Compliance with the requirements imposed under this chapter shall be enforced by the attorney general.

In this subdivision: I. "Identity theft" means the unauthorized taking or use of an individual's personal information to obtain credit, goods, services, money, or property, with the intent to commit fraud. In this paragraph, personal information includes, but is not limited to, a…

At any time that a consumer is required to receive a summary of rights required under section 609 of the federal Fair Credit Reporting Act, 15 U.S.C. section 1681g, the following notice shall be included: Notice to New Hampshire Consumers Right to Security Freeze on Consumer Cred…

I. A consumer may place a security freeze on the consumer's consumer report by making a request to a consumer reporting agency in accordance with this section. A security freeze shall prohibit, subject to exceptions in RSA 359-B:26, the consumer reporting agency from releasing th…

The following persons are not required to place a security freeze on a consumer report pursuant to RSA 359-B:24, except that any person that is not required to place a security freeze on a consumer report under paragraph III is subject to a security freeze placed on a consumer re…

Every consumer credit reporting agency shall, upon the receipt from a victim of identity theft of a police report, investigative report, or complaint the consumer has filed with a law enforcement agency about unlawful use of personal information by another person, provide the vic…

I. An executor, administrator, or other person authorized to act on behalf of an estate of a deceased person may request that a consumer reporting agency indicate on the deceased person's consumer report that the person is deceased. The consumer reporting agency shall indicate on…

I. A person who has learned or reasonably suspects that he or she has been the victim of identify theft may contact the local law enforcement agency that has jurisdiction over his or her place of residence, which shall take a police report of the matter, and provide the complaina…

I. Definitions and rules of construction set forth in this section are applicable for the purposes of this chapter. II. The term "person" means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or …

I. A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (a) In response to the order of a court having jurisdiction to issue such an order. (b) In accordance with the written instructions of the consumer to whom it relates. (c)…

I. A consumer may elect to have information about such consumer excluded from any transaction not initiated by the consumer under RSA 359-B:4, II, including any list provided by a consumer reporting agency through pre-screening or direct solicitation transactions that are not ini…

I. Except as authorized under paragraph II, no consumer reporting agency may make any consumer report containing any of the following items of information: (a) Bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than 10 years. …

I. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless: (a) It is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal ch…

I. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of RSA 359-B:5 and to limit the furnishing of consumer reports to the purposes listed under RSA 359-B:4. These procedures shall require that prospective users of the information i…

Notwithstanding the provisions of RSA 359-B:4, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.

I. Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (a) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.…