Ohio Code 1349.51 – Prohibiting disclosure of certain consumer information
(A) As used in this section:
Terms Used In Ohio Code 1349.51
- Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
- Person: includes an individual, corporation, business trust, estate, trust, partnership, and association. See Ohio Code 1.59
(1) “Consumer report” and “consumer reporting agency” have the same meanings as in the “Fair Credit Reporting Act,” 84 Stat. 1128 (1970), 15 U.S.C.A. 1681a, as amended.
(2) “Licensed resident insurance agent” means any natural person or business entity licensed as a resident insurance agent under section 3905.06 of the Revised Code.
(B) No consumer reporting agency shall sell or otherwise furnish any information relative to an individual’s insurance coverage that was submitted, in whole or in part, in conjunction with an insurance company’s inquiry into an individual’s credit history or request for a consumer report. This information includes, but is not limited to, the expiration date of an insurance policy, information that may be used to find a policy’s expiration date or approximate expiration date, and the terms and conditions of an insurance policy.
(C) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual’s insurance coverage to the agent or producer that supplied the information.
(D) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual’s insurance coverage to an insurance company, the insurer’s affiliates, or members of a holding company in which the insurer is a member, if the information was supplied by an agent or producer acting on behalf of the insurer.
(E) Nothing in this section shall be construed to prohibit an insurance company from obtaining a claims history or motor vehicle report.
(F) An insurance company shall indemnify, defend, and hold harmless its licensed resident insurance agent from and against all liability, damages, fees, and costs arising out of or relating to the actions, errors, or omissions of its licensed resident insurance agent resulting from the use of credit information or insurance scores for the insurance company, provided that its licensed resident insurance agent follows the procedures and instructions established by the insurance company for its licensed resident insurance agent, works within the authority granted by the insurance company to its licensed resident insurance agent, and complies with all applicable laws and regulations. Nothing in this section shall be construed to provide a consumer or insured with a cause of action that does not exist in the absence of this section.