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1681a, 1681b, 1681c, 1681c--1, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s--2, 1681s--3, and 1681t; Sec. 21, 2011, effective December 30, 2011, unless otherwise noted.
(F) If a consumer makes an inquiry to a financial institution by email about its products or services, but does not obtain a product or service from or enter into a financial contract or transaction with the institution, the financial institution has a pre-existing business relationship with the consumer and can therefore use eligibility information it receives from an affiliate to make solicitations to the consumer about its products or services for three months after the date of the inquiry.
(G) If a consumer has an existing relationship with a financial institution that is part of a group of affiliated companies, makes a telephone call to the centralized call center for the group of affiliated companies to inquire about products or services offered by the insurance affiliate, and provides contact information to the call center, the call constitutes an inquiry to the insurance affiliate that offers those products or services.
§ 1022.72 General requirements for risk-based pricing notices. § 1022.130 Definitions §§ 1022.1311022.135 [Reserved] § 1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies. § 1022.1 Purpose, scope, and model forms and disclosures. (c) Appendices D, H, I, K, L, M, and N contain model forms and disclosures.
§ 1022.139 [Reserved] § 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency Appendix A to Part 1022 [Reserved] Appendix B to Part 1022 Model Notices of Furnishing Negative Information Appendix C to Part 1022 Model Forms for Opt-Out Notices Appendix D to Part 1022 Model Forms for Firm Offers of Credit or Insurance Appendix E to Part 1022 Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Appendices F--G to Part 1022 [Reserved] Appendix H to Part 1022 Appendix H Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices Appendix I to Part 1022 Summary of Consumer Identity Theft Rights Appendix J to Part 1022 [Reserved] Appendix K to Part 1022 Summary of Consumer Rights Appendix L to Part 1022 Standardized Form for Requesting Annual File Disclosures Appendix M to Part 1022 Notice of Furnisher Responsibilities Appendix N to Part 1022 Notice of User Responsibilities AUTHORITY: 12 U. (b) (i) Except as otherwise provided in this part, this part applies to any person subject to the FCRA except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111--203, 124 Stat. (ii) For purposes of Appendix B to this part, financial institutions as defined in section 509 of the Gramm-Leach-Bliley Act (12 U. (2) means that all information in the Bureau's prescribed model is included in the document that is distributed, and that the document distributed is formatted in a way consistent with the format prescribed by the Bureau.
(j) [Reserved] (k) means: (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to: (i) The past, present, or future physical, mental, or behavioral health or condition of an individual; (ii) The provision of health care to an individual; or (iii) The payment for the provision of health care to an individual.
(2) The term does not include: (i) The age or gender of a consumer; (ii) Demographic information about the consumer, including a consumer's residence address or email address; (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or (iv) Information that does not identify a specific consumer.
(4) The term "pre-existing business relationship" means a relationship between a person, or a person's licensed agent, and a consumer based on: (A) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart; (B) The purchase, rental, or lease by the consumer of the person's goods or services, or a financial transaction (including holding an active account or a policy in force or having another continuing relationship) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart; or (C) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.
(ii) (A) If a consumer has a time deposit account, such as a certificate of deposit, at a financial institution that is currently in force, the financial institution has a pre-existing business relationship with the consumer and can use eligibility information it receives from its affiliates to make solicitations to the consumer about its products or services.
(l) Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111--203, 124 Stat. (b) The term "eligibility information" means any information the communication of which would be a consumer report if the exclusions from the definition of "consumer report" in section 603(d)(2)(A) of the Act did not apply.
Eligibility information does not include aggregate or blind data that does not contain personal identifiers such as account numbers, names, or addresses.
(c) [Reserved] (d) means a relationship between two companies under which: (1) One company has, with respect to the other company: (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons; (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as determined by the applicable prudential regulator (as defined in 12 U. (e) means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any: (1) Name, social security number, date of birth, official state or government issued driver's license or identification number, alien registration number, government passport number, employer or taxpayer identification number; (2) Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation; (3) Unique electronic identification number, address, or routing code; or (4) Telecommunication identifying information or access device (as defined in 18 U. (ii) Identification information or any other information about the perpetrator, if known.Tags: Adult Dating, affair dating, sex dating