§ 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.)
Structure Vermont Statutes
Chapter 63 - Consumer Protection
§ 2453. Practices prohibited; antitrust and consumer protection
§ 2453a. Practices prohibited; criminal antitrust violations
§ 2453b. Retaliation prohibited
§ 2454. Purchase contracts; rescission
§ 2454a. Consumer contracts; automatic renewal
§ 2456. Confession of judgment
§ 2458. Restraining prohibited acts
§ 2459. Assurance of discontinuance
§ 2461a. Hearing aid violations
§ 2461b. Regulation of propane
§ 2461d. Price gouging of petroleum products and heating fuel products
§ 2461e. Requirements for guaranteed price plans and prepaid contracts
§ 2462. Action by State’s Attorney
§ 2463. Credit billing for certain home solicitation sales
§ 2463a. Choice of law in computer information agreement
§ 2464. Telemarketing transactions
§ 2464a. Prohibited telephone solicitations
§ 2464b. Registration of telemarketers
§ 2464c. Private cause of action
§ 2464d. Telephone preference service
§ 2464e. Robocalls; prohibition; penalty [Effective July 1, 2023]
§ 2465a. Definition of local, local to Vermont, and locally grown or made in Vermont
§ 2465b. Misrepresentation of a floral business as local
§ 2466. Goods and services appearing on telephone bill
§ 2466a. Consumer protections; prescription drugs
§ 2466b. Disclosure of fee for automatic dialing service
§ 2466c. Internet service; network management; Attorney General review and disclosure
§ 2470b. Unsafe children’s products; prohibition
§ 2470f. Prohibition of lead in children’s products
§ 2470g. Prohibition of lead in jewelry
§ 2470h. Consumer warnings; notification; phase-outs
§ 2470i. Prohibition on removal of labels
§ 2470j. Prohibition on providing substantial assistance
§ 2470cc. Required disclosures; consent
§ 2470ee. Cancellation and termination
§ 2470ff. Maximum length of plan
§ 2470kk. Required disclosures; consent
§ 2470ll. Cancellation and termination
§ 2472. Contracts between paid fundraisers and charitable organizations
§ 2473. Notice of solicitation
§ 2474. Notice not to be used as an endorsement
§ 2479a. Truth in advertising and producing musical performances
§ 2480b. Disclosures to consumers
§ 2480c. Charges for certain disclosures by credit reporting agencies
§ 2480d. Procedure in case of disputed accuracy
§ 2480h. Security freeze by credit reporting agency; time in effect
§ 2480i. Credit reporting agency duties if security freeze in place
§ 2480j. Persons not required to place security freeze
§ 2480k. Complaints to law enforcement agencies
§ 2480l. Verification of change of consumer’s address for preapproved offers of credit
§ 2480m. Limitations on use of Social Security numbers
§ 2480n. Credit report files of deceased persons
§ 2480p. Electronic payment systems
§ 2480aa. Legislative intent; public policy
§ 2480cc. Required disclosures to payee
§ 2480dd. Approval of transfers of structured settlement payment rights
§ 2480ee. Effects of transfer of structured settlement payment rights
§ 2480ff. Procedure for approval of transfers
§ 2480gg. General provisions; construction
§ 2481w. Unlicensed loan transactions
§ 2481x. Entry fees; games not based on chance
§ 2482b. Requirements for Internet dating services
§ 2482h. Solicitation; material misrepresentation
§ 2482i. Credit card terminal; finance lease provisions
§ 2483a. Security freeze for protected consumer; time in effect