An Act To Protect Citizen Privacy
Maine Legislature, Session 121, LD 0615
Committee: Insurance and Financial Services
Sponsors: DOUGLASS, THOMAS, BRENNAN, EDMONDS, MARTIN, ROTUNDO, FISCHER, SAMPSON
Amends: 10 MRSA §1313-A

12lst MAINE LEGISLATURE 
Legislative Document 
No. 615 
S.P.224 
In Senate, February 11, 2003 
An Act To Protect Citizen Privacy 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
Presented by Senator DOUGLASS of Androscoggin. 
Cosponsored by Representative THOMAS of Orono and 
JOY J. O'BRIEN 
Secretary of the Senate 
Senators: BRENNAN of Cumberland, EDMONDS of Cumberland, MARTIN of Aroostook, 
ROTUNDO of Androscoggin, Representatives: FISCHER of Presque Isle, SAMPSON of 
Auburn. 
Printed on recycled paper 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1. 10 MRS A §1312, sub-§l-B, ,B, as enacted by PL 1997, c. 
155, Pt. B, §1 and affected by §13, is amended to read: 
B. 
In addition to the meaning under paragraph A, 
"adverse 
action" means: 
(1) 
A denial or cancellation of, an increase in any 
charge 
for 
or 
a 
reduction 
or 
other 
adverse 
or 
unfavorable change in the terms of coverage or amount 
of 
any 
insurance, 
existing 
or 
appl ied 
for, 
in 
connection with the underwriting of insurance; 
(2) 
A denial of employment or any other decision for 
employment purposes that adversely affects any current 
or prospective employee; 
(3) 
A denial or cancellation of, an increase in any 
charge for or any other adverse or unfavorable change 
in the terms of any license or benefit described in 
section 1313-A, subsection 1, paragraph C, subparagraph 
4; or 
(4) 
An action taken or determination made that is: 
(a) 
In connection with an application that was 
made by, or a transaction that was initiated by, 
any consumer eF-~~~~~-W~~B-~-~~~~~-aB 
aeee~H~--~---£e€~4e£---~~~~-~r--~~~~--±T 
Fa~a~~aFR-bT-S~aFa~a~~aFB-t9+T-eivisieB-ta+; and 
(b) 
Adverse to the interests of the consumer. 
Sec. 2. 10 MRSA §1313-A. sub-§I, ,C, as enacted by PL 1997, c. 
155, Pt. B, §6 and affected by §13, is amended to read: 
C. 
To 
a 
person that the 
consumer 
reporting agency has 
reason to believe: 
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eHteHsieH-~-~~~-teT-~--~~-eF-~~~~~~~~~-aB 
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(2) 
Intends 
to 
use 
the 
information for 
employment 
purposes; 
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tBe-~HeeFwFitiB~-e~-iBs~FaHee-iHve±viB~-tRe-eeHs~eFT 
• 
155, 
371, 
(4) 
Intends to use the information 
a 
determination of the consumer's 
license or other benefit granted 
instrumentality 
required 
by 
law 
applicant's financial responsibility 
in connection with 
eligibility for 
a 
by 
a 
governmental 
to 
consider 
an 
or status; or 
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Sec. 3. 10 MRSA §1313-A. sub-§3, as enacted by PL 1997, c. 
Pt. B, §6 and affected by §13, is repealed. 
Sec. 4. 10 MRSA §1313-A, sub-§5, as enacted by PL 2001, c. 
§ll, is repealed. 
SUMMARY 
This 
bill 
prOhibits 
consumer 
reporting 
agencies 
releasing information 
credit 
or 
insurance 
about a 
consumer in 
transaction without 
connection wi th 
the 
consent 
of 
from 
any 
the 
consumer.