New York Laws
Article 25 - Fair Credit Reporting Act
380-B - Permissible Dissemination of Reports.

(1) In response to the order of a court having jurisdiction to issue
such an order, or
(2) In accordance with the written instructions of the consumer to
whom it relates, or
(3) To a person whom it has reason to believe intends to use the
information (i) in connection with a credit transaction involving the
consumer on whom the information is to be furnished and involving the
extension of credit to, or review or collection of an account of, the
consumer, or (ii) for employment purposes, or (iii) in connection with
the underwriting of insurance involving the consumer, or (iv) in
connection with a determination of the consumer's eligibility for a
license or other benefit granted by a governmental instrumentality
required by law to consider an applicant's financial responsibility or
status, or (v) to a person in connection with a business transaction
involving the consumer where the user has a legitimate business need for
such information, or (vi) in connection with the rental or lease of a
residence.
(b) No person shall request a consumer report, other than an
investigative consumer report, in connection with an application made
after the effective date of this article, for credit, employment,
insurance, or rental or lease of residences, unless the applicant is
first informed in writing or in the same manner in which the application
is made that (i) a consumer report may be requested in connection with
such application, and (ii) the applicant upon request will be informed
whether or not a consumer report was requested, and if such report was
requested, informed of the name and address of the consumer reporting
agency that furnished the report.
(c) Where the notice provided pursuant to subdivision (b) of this
section further indicates that subsequent consumer reports, other than
investigative consumer reports, may be requested or utilized in
connection with an update, renewal, or extension of the credit,
employment, insurance, or rental or lease of residences for which
application was made, no additional notice to the consumer shall be
required at the time such subsequent report is requested.
(d) The notice requirements of this section shall not be applicable to
the update, renewal, or extension of credit, employment, insurance, or
rental or lease of residences for which initial application was made
prior to the effective date of this article.

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