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Searching 2023-2024 Session

The Vermont Statutes Online

The Vermont Statutes Online have been updated to include the actions of the 2023 session of the General Assembly.

NOTE: The Vermont Statutes Online is an unofficial copy of the Vermont Statutes Annotated that is provided as a convenience.

Title 9 : Commerce and Trade

Chapter 063 : Consumer Protection

Subchapter 003 : Fair Credit Reporting

(Cite as: 9 V.S.A. § 2480e)
  • § 2480e. Consumer consent

    (a) A person shall not obtain the credit report of a consumer unless:

    (1) the report is obtained in response to the order of a court having jurisdiction to issue such an order; or

    (2) the person has secured the consent of the consumer, and the report is used for the purpose consented to by the consumer.

    (b) Credit reporting agencies shall adopt reasonable procedures to ensure maximum possible compliance with subsection (a) of this section.

    (c) Nothing in this section shall be construed to affect:

    (1) the ability of a person who has secured the consent of the consumer pursuant to subdivision (a)(2) of this section to include in his or her request to the consumer permission to also obtain credit reports, in connection with the same transaction or extension of credit, for the purpose of reviewing the account, increasing the credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes associated with the account; and

    (2) the use of credit information for the purpose of prescreening, as defined and permitted from time to time by the Federal Trade Commission. (Added 1991, No. 246 (Adj. Sess.), § 1.)