Arizona Laws 20-2113.01. Consumer reporting agency; sale of information obtained by insurance inquiry prohibited; exceptions
A. A consumer reporting agency shall not provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer’s credit information or a request for a credit report or insurance score. Such information includes the expiration dates of an insurance policy or any other information that may identify time periods during which a consumer’s insurance may expire and the terms and conditions of the consumer’s insurance coverage.
Terms Used In Arizona Laws 20-2113.01
- Consumer reporting agency: means any person who does any of the following:
(a) Regularly engages, in whole or in part, in the practice of assembling or preparing consumer reports for a monetary fee. See Arizona Laws 20-2102
- Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
- Insurance producer: means an insurance producer as defined in section 20-281. See Arizona Laws 20-2102
- Insurance score: means , for the purpose of insurance underwriting or rating, a designation that is derived by using a variety of data sources, including an individual's consumer report in an algorithm, computer program, model or other process that reduces the data to a number, alpha character or rating that is used for insurance underwriting and rating decisions. See Arizona Laws 20-2102
B. Subsection A does not apply to data or lists that the consumer reporting agency supplies to the insurance producer from whom the information was received, the insurer on whose behalf the producer acted or the insurer’s affiliates or holding companies.
C. This section shall not restrict an insurer from being able to obtain a claims history report or a motor vehicle report.