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Michigan Compiled Laws, Chapter 445. Trade and Commerce § 445.2514

Current as of January 01, 2025 | Updated by Findlaw Staff

Sec. 4. Article 3  1 does not apply to any of the following entities or uses:

(a) A person that is acting under a court order, warrant, or subpoena.

(b) A person that administers a credit file monitoring subscription service to which a consumer or protected consumer has subscribed.

(c) A person that provides a consumer or the consumer's representative with a copy of the consumer's credit report on request of the consumer or the representative.

(d) A check services or fraud prevention services company that issues any of the following:

(i) Reports on incidents of fraud.

(ii) Authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods.

(e) A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, or automated teller machine abuse or provides similar information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.

(f) A consumer reporting agency database or file that consists entirely of consumer information concerning, and used solely for, 1 or more of the following:

(i) Criminal record information.

(ii) Personal loss history information.

(iii) Fraud prevention or detection.

(iv) Employment screening.

(v) Tenant screening.

(g) A consumer reporting agency that meets both of the following:

(i) It is only engaged in reselling resell credit information by assembling and merging information contained in a database of 1 or more consumer reporting agencies.

(ii) It does not maintain a permanent database of credit information it obtains for purposes of subparagraph (i).

1 M.C.L.A. § 445.2531.
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Cite this article: FindLaw.com - Michigan Compiled Laws, Chapter 445. Trade and Commerce § 445.2514 - last updated January 01, 2025 | https://codes.findlaw.com/mi/chapter-445-trade-and-commerce/mi-comp-laws-445-2514/

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