Sec. 45.48.210. Exemptions.

380 words·~2 min read·/ak/title-45/chapter-48/45-48-210

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

(a)The provisions of AS 45.48.100 — 45.48.290 do not apply to the use of a credit report by

(1)a person, the person's subsidiary, affiliate, or agent, or the person's assignee with whom a consumer has or, before the assignment, had an account, contract, or debtor-creditor relationship if the purpose of the use is to review the consumer's account or to collect a financial obligation owing on the account, contract, or debt;

(2)a subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person to whom access has been granted under AS 45.48.130 if the purpose of the use is to facilitate the extension of credit or another permissible use;

(3)a person acting under a court order, warrant, or subpoena;

(4)an agency of a state or municipality that administers a program for establishing and enforcing child support obligations;

(5)the Department of Health, its agents, or its assigns when investigating fraud;

(6)the Department of Revenue, its agents, or its assigns when investigating or collecting delinquent taxes or unpaid court orders or when implementing its other statutory responsibilities;

(7)a person if the purpose of the use is prescreening allowed under 15 U.S.C. 1681b(c) (Fair Credit Reporting Act);

(8)a person administering a credit file monitoring subscription service to which the consumer has subscribed;

(9)a person providing a consumer with a copy of the consumer's credit report or credit score at the consumer's request;

(10)a person if the database or file of the consumer credit reporting agency consists entirely of information concerning and used solely for one or more of the following purposes:

(A)criminal record information;

(B)personal loss history information;

(C)fraud prevention or detection;

(D)tenant screening; or

(E)employment screening; or

(11)a person for use for insurance purposes in setting a rate, adjusting a rate, adjusting a claim, or underwriting, except that this paragraph may not be interpreted to authorize an insurance practice that is prohibited by other law; this paragraph may not be interpreted to affect AS 21.36.460 or AS 21.39.035 .

(b)Except as provided by AS 45.48.190 , the provisions of AS 45.48.100 — 45.48.290 do not apply to a person when acting only as a reseller of consumer information.