Title 19 — Title 19 BUSINESS REGULATIONS—MISCELLANEOUS
111 chapters · 1,481 sections in this title.
RCW 19.182.005 Findings—Declaration.
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The legislature finds and declares that consumers have a vital interest in establishing and maintaining creditworthiness. The legislature further finds that an elaborate mechanism using credit reports has developed for investigating and evaluating a consumer's creditworthiness, c…
RCW 19.182.010 Definitions.
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Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1)(a) "Adverse action" includes:(i) Denial of, increase in any charge for, or reduction in the amount of insurance for personal, family, or household purposes;(ii) Denial…
RCW 19.182.020 Consumer report—Furnishing—Procuring.
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(1) A consumer reporting agency may furnish a consumer report only under the following circumstances:(a) In response to the order of a court having jurisdiction to issue the order;(b) In accordance with the written instructions of the consumer to whom it relates; or(c) To a perso…
RCW 19.182.030 Consumer report—Credit action not initiated by consumer—Exclusion by consumer.
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(1) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020(1)(c)(i) in connection with a credit transaction that is not initiated by the consumer only if:(a) The consumer authorized the consumer reporting agency to provide the report…
RCW 19.182.040 Consumer report—Prohibited information—Exceptions.
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(1) Except as authorized under subsection (2) of this section, no consumer reporting agency may make a consumer report containing any of the following items of information:(a) Bankruptcies that, from date of adjudication of the most recent bankruptcy, antedate the report by more …
RCW 19.182.050 Investigative consumer report—Procurement, preparation—Disclosure—Use—Liability—Record.
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(1) A person may not procure or cause to be prepared an investigative consumer report on a consumer unless:(a) It is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to the consumer's character, general reputation, pe…
RCW 19.182.060 Consumer report—Procedures for compliance—Information for governmental agency—Record.
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(1) A consumer reporting agency shall maintain reasonable procedures designed to avoid violations of RCW 19.182.040 and to limit the furnishing of consumer reports to the purposes listed under RCW 19.182.020. These procedures must require that prospective users of the information…
RCW 19.182.070 Disclosures to consumer.
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A consumer reporting agency shall, upon request by the consumer, clearly and accurately disclose:(1) All information in the file on the consumer at the time of request, except that medical information may be withheld. The agency shall inform the consumer of the existence of medic…
RCW 19.182.080 Disclosures to consumer—Procedures.
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(1) A consumer reporting agency shall make the disclosures required under RCW 19.182.070 during normal business hours and on reasonable notice.(2) The consumer reporting agency shall make the disclosures required under RCW 19.182.070 to the consumer:(a) In person if the consumer …
RCW 19.182.090 Consumer file—Dispute—Procedure—Notice—Statement of dispute—Toll-free information number.
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(1) If the completeness or accuracy of an item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of the dispute, the agency shall reinvestigate without charge and record the curre…
RCW 19.182.100 Consumer reporting agency—Consumer fees and charges for required information—Exceptions.
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(1) Except as provided in subsections (2) and (3) of this section, a consumer reporting agency may charge the following fees to the consumer:(a) For making a disclosure under RCW 19.182.070 and 19.182.080, the consumer reporting agency may charge a fee not exceeding eight dollars…
RCW 19.182.110 Adverse action based on report—Procedure—Notice.
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If a person takes an adverse action with respect to a consumer that is based, in whole or in part, on information contained in a consumer report, the person shall:(1) Provide written notice of the adverse action to the consumer, except verbal notice may be given by a person in an…
RCW 19.182.120 Limitation on action—Exception.
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An action to enforce a liability created under this chapter is permanently barred unless commenced within two years after the cause of action accrues, except that where a defendant has materially and willfully misrepresented information required under this chapter to be disclosed…
RCW 19.182.130 Obtaining information under false pretenses—Penalty.
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A person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses is subject to a fine of up to five thousand dollars or imprisonment for up to three hundred sixty-four days, or both.[ 2011 c 96 s 21; 1993 c 476 s 15.]No…
RCW 19.182.140 Provision of information to unauthorized person—Penalty.
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An 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 is subject to a fine of up to five thousand dollars or imprisonment for u…
RCW 19.182.150 Application of consumer protection act—Limitation—Awards—Penalties—Attorneys' fees.
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The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. Violations of this chapter are not reasonable in relation to the development and preserva…
RCW 19.182.160 Block of information appearing as result of identity theft.
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(1) Within thirty days of receipt of proof of the consumer's identification and a copy of a police report, filed by the consumer, evidencing the consumer's claim to be a victim of a violation of RCW 9.35.020, a consumer reporting agency shall permanently block reporting any infor…
RCW 19.182.170 Victim of identity theft—Security freeze.
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(1) A consumer, who is a resident of this state, may elect to place a security freeze on his or her credit report by making a request to a consumer reporting agency. "Security freeze" means a prohibition, consistent with this section, on a consumer reporting agency's furnishing o…
RCW 19.182.180 Security freeze—Changes to information—Written confirmation required.
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If a security freeze is in place, a consumer reporting agency may not change any of the following official information in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days of the change being posted to the consumer's …
RCW 19.182.190 Security freeze—RCW 19.182.170 not applicable to certain consumer reporting agencies.
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A consumer reporting agency is not required to place a security freeze in a consumer credit report under RCW 19.182.170 if it acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or mult…
RCW 19.182.200 Security freeze—Exempt entities.
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The following entities are not required to place a security freeze in a consumer credit report under RCW 19.182.170:(1) A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing n…
RCW 19.182.210 Information furnished to a governmental agency.
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A consumer reporting agency may furnish to a governmental agency a consumer's name, address, former address, places of employment, or former places of employment.[ 2005 c 342 s 5.]
RCW 19.182.220 Security freeze—Protected consumers—Definitions.
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The definitions in this section apply throughout this section and RCW 19.182.230 unless the context clearly requires otherwise.(1) "Credit report" means a consumer report, as defined in 15 U.S.C. Sec. 1681a, that is used or collected to serve as a factor in establishing a consume…
RCW 19.182.230 Security freeze—Protected consumers—Placement and removal—Fees—Exceptions.
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(1) A consumer reporting agency shall place a security freeze for a protected consumer if:(a) The consumer reporting agency receives a request from the protected consumer's representative for the placement of the security freeze under this section; and(b) The protected consumer's…
RCW 19.182.800 Report on credit freezes.
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The office of cybersecurity, the office of privacy and data protection, and the attorney's general office must work with stakeholders to evaluate the impact to consumers and the consumer reporting agencies regarding the modifications in chapter 54, Laws of 2018. The report must i…
RCW 19.182.900 Short title—1993 c 476.
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This chapter shall be known as the Fair Credit Reporting Act.[ 1993 c 476 s 2.]
RCW 19.182.902 Effective date—1993 c 476.
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This act takes effect January 1, 1994.[ 1993 c 476 s 20.]