Virginia Code 59.1-444.1: Definitions
As used in this chapter:
Terms Used In Virginia Code 59.1-444.1
- Consumer: means an individual who is also a resident of the Commonwealth. See Virginia Code 59.1-444.1
- Fair Credit Reporting Act: A federal law, established in 1971 and revised in 1997, that gives consumers the right to see their credit records and correct any mistakes. Source: OCC
- Health care services: means the furnishing of services for the purpose of preventing, alleviating, curing, or healing human physical illness or injury or a mental or behavioral condition or disorder. See Virginia Code 59.1-444.1
- Person: includes any individual, corporation, partnership, association, cooperative, limited liability company, trust, joint venture, government, political subdivision, or any other legal or commercial entity and any successor, representative, agent, agency, or instrumentality thereof. See Virginia Code 1-230
- Proper identification: means proper identification as defined in Virginia Code 59.1-444.1
“Collection entity” means any person that purchases debt or collects debt on behalf of another entity.
“Consumer” means an individual who is also a resident of the Commonwealth.
“Consumer report” has the same meaning as provided in § 603(d) of the federal Fair Credit Reporting Act (15 U.S.C. § 1681a(d)).
“Consumer reporting agency” has the same meaning as in § 603(f) of the federal Fair Credit Reporting Act (15 U.S.C. § 1681a(f)).
“Credit report” means a “consumer report,” provided, however, that for purposes of this chapter, a credit report is limited to information that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the information as a factor in establishing the consumer’s eligibility for credit to be used primarily for personal, family, or household purposes.
“Health care services” means the furnishing of services for the purpose of preventing, alleviating, curing, or healing human physical illness or injury or a mental or behavioral condition or disorder.
“Medical debt” means debt arising from health care services, including products, devices, durable medical equipment, and prescription drugs, and from the provision of transportation to receive health care services. “Medical debt” does not include debt charged to a credit card but does include an open-end or closed-end extension of credit made by a financial institution to a borrower that may be used by the borrower solely for the purpose of the purchase of health care services.
“Proper identification” means proper identification as defined in 15 U.S.C. § 1681h(a)(1).