72A.496 INVESTIGATIVE CONSUMER REPORTS.
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72A.496 INVESTIGATIVE CONSUMER REPORTS.
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Subdivision 1. Notice.
An insurer, insurance agent, or insurance-support organization must not prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits, unless the insurer or insurance agent informs the person:
(1)that the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and
(2)that, upon a request pursuant to section 72A.497 , the individual is entitled to receive a copy of the investigative consumer report.
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Subd. 2. Reports prepared by insurers.
If an investigative consumer report is to be prepared by an insurer or insurance agent, the insurer or insurance agent shall institute reasonable procedures to conduct a personal interview requested by an individual.
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Subd. 3. Reports prepared by insurance-support organizations.
If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures for conducting an interview, if requested.