§ 6-13.1-22. Access to credit reports.
Any consumer who requests disclosure of his or her credit file from a credit bureau shall be entitled to have mailed to the consumer a copy of the information in the files of the credit bureau that pertains to the consumer at the time of the consumer’s request for disclosure within four (4) working days of the request. The credit bureau may impose a reasonable charge for the report, but that charge shall not exceed eight dollars ($8.00) per report. The maximum charge for the report may be raised annually not to exceed the increase in the Consumer Price Index (CPI). The copy shall be furnished without charge if the request for a copy of the report is the result of a consumer being notified that adverse action has been taken on a credit application based on the credit report, provided the request for the report is made within sixty (60) days of receipt of the notice.
History of Section.P.L. 1993, ch. 430, § 1; P.L. 2014, ch. 528, § 10.
Structure Rhode Island General Laws
Title 6 - Commercial Law – General Regulatory Provisions
Chapter 6-13.1 - Deceptive Trade Practices
Section 6-13.1-1. - Definitions.
Section 6-13.1-2. - Unlawful acts or practices.
Section 6-13.1-3. - Interpretation.
Section 6-13.1-4. - Exemptions.
Section 6-13.1-5. - Restraining prohibited acts.
Section 6-13.1-5.1. - Power of receiver.
Section 6-13.1-5.2. - Private and class actions.
Section 6-13.1-6. - Assurances of voluntary compliance.
Section 6-13.1-7. - Investigations — Procedure — Remedies for failure to comply.
Section 6-13.1-8. - Civil penalties.
Section 6-13.1-9. - Forfeiture of corporate franchise.
Section 6-13.1-10. - Severability.
Section 6-13.1-11. - Short title.
Section 6-13.1-12. - Appliances — Providing parts and manuals.
Section 6-13.1-12.1. - Appliances — Information concerning used or rebuilt parts.
Section 6-13.1-13. - Price discrimination prohibited.
Section 6-13.1-14. - Penalties.
Section 6-13.1-15. - Piracy of recordings.
Section 6-13.1-16. - Disclosure of service contract agreements.
Section 6-13.1-17. - Contracts — Provision to sell real estate.
Section 6-13.1-18. - Manufacturers’ duties under motor vehicle warranties.
Section 6-13.1-19. - Motor vehicle dealer’s duty when selling used vehicle.
Section 6-13.1-20. - Credit reports — Definitions.
Section 6-13.1-22. - Access to credit reports.
Section 6-13.1-23. - Disputed credit report.
Section 6-13.1-24. - Registration with secretary of state.
Section 6-13.1-25. - Penalties.
Section 6-13.1-26. - Severability.
Section 6-13.1-27. - Employment status information.
Section 6-13.1-28. - Financing of motor vehicles — Term and rate of interest prominently displayed.