Mich. Comp. Laws § 445.2513 — MI Code / Chapter 445 / Act Act-229-of-2013 / Section 445.2513
Inapplicability of Article 2 to certain entities or uses.
Status: in_force

Sec. 3.

Article 2 does not apply to any of the following entities or uses:

(a) A person, or a subsidiary, affiliate, agent, or assignee of a person, with which the consumer has, or before assignment had, an account, contract, or debtor-creditor relationship, for the purpose of account review or collecting the financial obligation owing for the account, contract, or debt.

(b) A person that was given access to a consumer's credit report for the purpose of facilitating an extension of credit to the consumer or another permissible use.

(c) A person that is acting under a court order, warrant, or subpoena.

(d) A unit of state or local government that administers a program for establishing and enforcing child support obligations.

(e) The department of human services in connection with a fraud investigation conducted by that department.

(f) Any state or local taxing authority in connection with any of the following:

( i ) An investigation conducted by that taxing authority.

( ii ) The collection of delinquent taxes or unpaid court orders by the taxing authority.

( iii ) The performance of any other duty provided for by law.

(g) A person that furnishes a credit report, or requests that a credit report be furnished, that relates to a consumer in connection with a credit or insurance transaction not initiated by a consumer, if the requirements of 15 USC 1681b(c) are met.

(h) A person that administers a credit file monitoring subscription service to which a consumer or protected consumer has subscribed.

(i) A person that provides a consumer or the consumer's representative with a copy of the consumer's credit report on request of the consumer or the representative.

(j) To the extent not prohibited by another law of this state, a person engaged solely in setting or adjusting an insurance rate, adjusting an insurance claim, or underwriting an insurance risk.

(k) A check services or fraud prevention services company that issues any of the following:

( i ) Reports on incidents of fraud.

( ii ) Authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods.

( l ) A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, or automated teller machine abuse or provides similar information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.

(m) A consumer reporting agency database or file that consists entirely of consumer information concerning, and used solely for, 1 or more of the following:

( i ) Criminal record information.

( ii ) Personal loss history information.

( iii ) Fraud prevention or detection.

( iv ) Employment screening.

( v ) Tenant screening.

(n) A consumer reporting agency that meets both of the following:

( i ) It is only engaged in reselling resell credit information by assembling and merging information contained in a database of 1 or more consumer reporting agencies.

( ii ) It does not maintain a permanent database of credit information it obtains for purposes of subparagraph ( i ).

History: 2013, Act 229, Eff. Jan. 1, 2014