reglab/housing_qa huggingface dataset:
NY Gen Bus L § 380-B (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-B - Permissible Dissemination of Reports.

§   380-b.  Permissible  dissemination  of  reports.  (a)  A  consumer reporting agency may furnish  a  consumer  report  under  the  following circumstances and no other:  (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.
NY Gen Bus L § 380-C (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-C - Preparation And/or Procurement of Investigative Consumer Reports.

§  380-c.  Preparation  and/or  procurement  of investigative consumer reports.  (a)  No  person  may  procure  or  cause  to  be  prepared  an investigative consumer report on any consumer unless such person:  (1)  has first provided the consumer with notice of the procurement or preparation as described in subdivision (b) of this section, and  (2)  has  first  received  from  the  consumer  an  authorization  for preparation  or  procurement  of  such  investigative consumer report as described in subdivision (c) of this section.  (b) The notice required by this section  shall  be  in  writing  if  a written  application  is  made  by the consumer, or may be in writing or oral in all other circumstances. Such notice shall inform  the  consumer that:  (1) an investigative consumer report may be requested on the consumer, and  (2)  the consumer upon written request will be informed whether or not an investigative consumer report was requested, and if such  report  was requested, the name and address of the consumer reporting agency to whom the  request  was  made. Upon the furnishing to the consumer of the name and address of the consumer reporting agency to  whom  the  request  was made  the  consumer  shall also be informed he may inspect and receive a copy of such report by contacting such  agency.  Additionally,  if  such report  was requested with respect to an offer of employment the person, firm, partnership, corporation or other entity  requesting  such  report shall in such notice also provide the subject of such report with a copy of  article twenty-three-A of the correction law governing the licensure and employment of persons previously convicted of one or  more  criminal offenses.  (c)  The  authorization  required  by  this  section shall be given in writing or in the same manner as the notice pursuant to this section  is required to be given.  (d)  If a person applying for credit, insurance, or employment refuses to authorize the procurement or preparation of an investigative consumer report, the prospective creditor, insurer or  employer  may  decline  to grant  credit, insurance or employment on the grounds that the applicant refused to execute such authorization.  (e) Where a parent applies for insurance on behalf of or to cover  his child,  or  an  adult  applies  for insurance on behalf of or to cover a minor, the execution of an authorization and receipt of notice  pursuant to  this  section  by  the  parent  or  adult shall also be deemed to be receipt of notice and execution of an  authorization  by  the  child  or minor.  (f)  The  notice  and authorization requirements of this section shall not be applicable to investigative consumer reports procured or prepared in connection with the renewal of a casualty insurance policy where  the initial  application for such policy preceded the effective date of this article.
NY Gen Bus L § 380-D (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-D - Disclosure to Consumers.

§  380-d. Disclosure to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any  consumer,  clearly and accurately disclose to the consumer:  (1) all information in its files at the time of the request concerning such consumer; and  (2)  the  sources  of  the  information;  except  that  the sources of information acquired  solely  for  use  in  preparing  an  investigative consumer  report  and  actually  used  for  no other purpose need not be disclosed; provided, however, that in the event  an  action  is  brought under section three hundred eighty-n of this article, such sources shall be  available to the plaintiff under appropriate discovery procedures in the court in which the action is brought; and  (3) the recipients of any consumer report on the consumer which it has furnished;  (i) for employment purposes within the two-year period  preceding  the request, and  (ii)  for  any other purpose within the six month period preceding the request.  (b) The requirements of subdivision (a) of this section respecting the disclosure of sources of information  and  the  recipients  of  consumer reports  do  not  apply  to  information  received  or  consumer reports furnished prior to the effective date of  this  article  except  to  the extent  that  the  matter  involved  is  contained  in  the files of the consumer reporting agency on that date.  (c)  Notwithstanding  any  other  provision  of  this  article,  every consumer  reporting agency, upon contact by a consumer by phone, mail or in person regarding information which may be contained in  the  agency's files  which  has  been  or  may  be used for the purpose of providing a consumer report regarding  that  consumer,  shall  promptly  advise  the consumer  of  the  obligation of the agency to provide disclosure of the files in person, by mail or  by  telephone  pursuant  to  this  section, including  the  obligation  of  the  agency to provide a decoded written version of the file or a written copy of the file with an explanation of any code used, if the consumer so  requests.  The  disclosure  shall  be provided in the manner selected by the consumer.  All consumers shall be specifically  advised  that  if they have been denied credit in the past thirty days they are  entitled  to  receive  a  written  copy  of  their complete  file,  at  no charge whatsoever, should they choose to request such a copy.
NY Gen Bus L § 380-F (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-F - Procedure for Resolving Disputes.

§  380-f. Procedure for resolving disputes. (a) If a consumer disputes any item of information contained in  his  file,  and  such  dispute  is directly  conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall promptly re-investigate and  record  the current  status of such information, unless it has reasonable grounds to believe that the dispute by the consumer  is  frivolous,  and  it  shall promptly  notify  the  consumer  of the result of its investigation, its decision on the status of the information and  his  rights  pursuant  to this  section. The presence of contradictory information in a consumer's file shall not, in and of  itself,  constitute  reasonable  grounds  for believing the dispute is frivolous.  (b)  If, after conducting the re-investigation required by subdivision (a) of this section, the consumer reporting agency finds that an item is in error or that it can no longer be verified, it shall:  (1) promptly expunge the item and otherwise correct the file,  (2) refrain from reporting the item in subsequent consumer reports,  (3) clearly and conspicuously disclose to the consumer his  rights  to make  a  request  for  notification  and  upon  request of the consumer, promptly notify any person designated by the consumer who  has  received information  regarding  the  item during the previous year that an error existed, and shall furnish such person with the  corrected  information, and  (4)  where  applicable  forward  a  copy  of  the consumer's statement pursuant to subdivision (c) of this section.  (c) If, after conducting a re-investigation pursuant to this  section, the  consumer  reporting  agency  is  unable  to  resolve  any remaining differences between the statements made by its sources and the consumer, it shall:  (1) promptly indicate in the file that the item is disputed,  (2) permit the consumer to file a statement concerning the  nature  of the  dispute,  which  statement may be limited by the agency to not more than one hundred  words  if  such  agency  provides  the  consumer  with assistance in writing a clear summary of the dispute,  (3)  include the consumer's statement of the dispute in all subsequent credit reports containing the information in question, and  (4) clearly note in all subsequent consumer reports that the  item  is disputed by the consumer.  (d)  Notwithstanding  any other provision of this section, if any item disputed and reinvestigated is found to be in error or can no longer  be verified,  upon completion of the reinvestigation of all items disputed, the agency shall promptly mail the consumer a corrected written copy  of the  file, reflecting any changes, with an explanation of any code used, at no charge to the consumer.
NY Gen Bus L § 380-G (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-G - Public Record Information.

§  380-g. Public record information. A consumer reporting agency which compiles and reports items of information on consumers which are matters of public record shall:  (a) at the time such public record information is reported to the user of such consumer report, notify the consumer of  the  fact  that  public record  information  is being reported by the consumer reporting agency, together  with  the  name  and  address  of  the  person  to  whom  such information is being reported; or  (b)  maintain  reasonable  procedures designed to insure that whenever public record information is reported it is complete and up to  date  to the  extent practicable. It shall be deemed a reasonable procedure for a consumer reporting agency to accurately  report  the  status  of  public record  information  as  of the date recorded in its files provided such information is updated on a regular basis.  (c) When conducting a reinvestigation as required by  subdivision  (a) of  section three hundred eighty-f of this article, a consumer reporting agency shall promptly record and report the current status of the public record.  (d) When a consumer reporting agency provides a consumer  report  that contains  criminal conviction information, permitted by paragraph one of subdivision (a) of section three hundred eighty-j of this article, to  a user,  the  person,  firm,  corporation  or other entity requesting such report shall provide the subject of such report a printed or  electronic copy  of  article  twenty-three-A  of  the  correction law governing the licensure and employment of persons previously convicted of one or  more criminal offenses.
NY Gen Bus L § 380-H (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-H - Restrictions on Investigative Consumer Reports.

§  380-h. Restrictions on investigative consumer reports. (a) Whenever a consumer reporting agency prepares an investigative  consumer  report, no adverse information in such report, other than information which is a matter of public record, may be included in a subsequent consumer report unless  such  adverse  information  has  been verified in the process of making such subsequent consumer report, unless the  adverse  information was received within the three month period preceding the date upon which the subsequent report is furnished.  (b) Each investigative consumer report shall be in writing, and a copy thereof  shall be retained by the consumer reporting agency for at least one year after it is issued.
NY Gen Bus L § 380-I (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-I - Requirements on Users of Consumer Reports.

§  380-i.  Requirements  on  users  of  consumer reports. (a) Whenever credit or insurance  for  personal,  family  or  household  purposes  is denied,  or  whenever  a  residential  rental or lease is denied, or the charge for such credit or insurance, or rental or  lease  is  increased, either  wholly  or partly because of information contained in a consumer report, the user of the report shall:  (1) advise the consumer against whom  such  adverse  action  has  been taken of such action,  (2)  supply  the  name  and  address  of the consumer reporting agency making the report, and  (3) inform the consumer of his right to inspect and receive a copy  of such report by contacting the consumer reporting agency.  (b)  In  addition  to  the  requirements  of  subdivision  (a) of this section, the user of any  such  report  for  purpose  of  evaluating  an application for credit shall furnish to the consumer the reasons for any adverse  action  in relation to such application in conformance with the requirements of the federal equal credit opportunity act  (P.L.  93-435, 15 USC 1691 et seq) as that statute may from time to time be amended.  (c)  Every  user  of  a  consumer  report or an investigative consumer report shall be prohibited from disseminating any  such  report  to  any other person unless such other person has a legitimate business need for the  information in connection with a business transaction involving the consumer.
NY Gen Bus L § 380-K (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-K - Compliance Procedures.

§  380-k.  Compliance  procedures.  Every consumer or reporting agency   shall maintain reasonable procedures designed  to  avoid  violations  of   sections  three  hundred  eighty-b,  three  hundred  eighty-j  and three   hundred eighty-t of this article and to limit the furnishing of consumer   reports  to  the  purposes  listed  under  said  section  three  hundred   eighty-b.  These  procedures  shall require all prospective users of the   information to identify themselves, certify the purposes for  which  the   information is sought, and certify that the information will be used for   no   other  purpose.  Every  consumer  reporting  agency  shall  make  a   reasonable effort to verify the identity of a new prospective  user  and   the  uses  certified  by  such prospective user prior to furnishing such   user a consumer report. No  consumer  reporting  agency  may  furnish  a   consumer report to any person if it has reasonable grounds for believing   that  the  consumer  report  will  not  be  used for a purpose listed in   section three hundred eighty-b of this article.
NY Gen Bus L § 380-L (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-L - Civil Liability for Willful Noncompliance.

§  380-l. Civil liability for willful noncompliance. Any person, firm, partnership, corporation,  or  association  whose  knowing  and  willful violation  of section three hundred eighty-s of this article resulted in the  transmission  or  provision  to  a  consumer  reporting  agency  of information  that would otherwise not have been transmitted or provided, and any consumer reporting agency or user of information  who  or  which willfully  and  knowingly  fails  to comply with any requirement imposed under this article with respect  to  any  consumer  is  liable  to  that consumer in an amount equal to the sum of:  (a)  Any  actual damages sustained by the consumer as a result of such failure or as a result of a violation of section three hundred  eighty-s of this article;  (b) Such amount of punitive damages as the court may allow; and  (c)  In  the  case  of  any successful action to enforce any liability under this section, the costs of the  action  together  with  reasonable attorney's fees as determined by the court.
NY Gen Bus L § 380-M (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-M - Civil Liability for Negligent Noncompliance.

§  380-m.  Civil  liability  for negligent noncompliance. Any consumer reporting agency or user of information who or  which  is  negligent  in failing to comply with any requirement imposed under this article, other than a violation of section three hundred eighty-t of this article, with respect to any consumer is liable to that consumer in an amount equal to the sum of:  (a)  Any  actual  damages sustained by the consumer as a result of the failure;  (b) In the case of any successful  action  to  enforce  any  liability under  this  section,  the  costs of the action together with reasonable attorney's fees as determined by the court.
NY Gen Bus L § 380-N (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-N - Jurisdiction of Courts; Limitation of Actions.

§  380-n.  Jurisdiction of courts; limitation of actions. An action to   enforce any liability, created under this article may be brought in  any   court of competent jurisdiction, within two years from the date on which   the  liability  arises, except that where a defendant has materially and   willfully misrepresented any information required under this article  to   be  disclosed  to an individual and the information so misrepresented is   material to the establishment  of  the  defendant's  liability  to  that   individual  under  this  article,  the action may be brought at any time   within  two  years  after  the  discovery  by  the  individual  of   the   misrepresentation.
NY Gen Bus L § 380-O (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-O - Obtaining or Introducing Information Under False Pretenses; Penalty.

§  380-o.  Obtaining or introducing information under false pretenses;   penalty. 1.  Any person who knowingly and willfully obtains  information   concerning  a  consumer  from  a  consumer  reporting agency under false   pretenses shall, upon conviction, be fined not more than  five  thousand   dollars or imprisoned not more than one year, or both.2.  Any  person  who  knowingly  and willfully introduces, attempts to   introduce or causes to be introduced, false information into a  consumer   reporting  agency's  files  for  the  purpose  of wrongfully damaging or   wrongfully enhancing the credit information  of  any  individual  shall,   upon  conviction,  be  fined  not  more  than  five  thousand dollars or   imprisoned not more than one year, or both.3. This section shall  not  apply  to  statements  filed  pursuant  to   paragraph  two  of  subdivision (c) of section three hundred eighty-f of   this chapter.
NY Gen Bus L § 380-P (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-P - Unauthorized Disclosures by Officers or Employees; Penalty.

§  380-p.  Unauthorized disclosures by officers or employees; penalty.   Any officer or employee of a consumer reporting agency who knowingly and   willfully  provides  information  concerning  an  individual  from   the   agency's  files  to  a person not authorized to receive that information   shall, upon conviction, be fined not more than five thousand dollars  or   imprisoned not more than one year, or both.
NY Gen Bus L § 380-Q (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-Q - Disclosure of Medical Information.

§  380-q. Disclosure of medical information. Whenever any provision of   this  article  requires  disclosure  of  medical  information,  or   the   disclosure  of  a  reason  for  adverse  action  which  involves medical   information, such information or reason shall be  disclosed  only  to  a   physician designated by the consumer for such purpose.
NY Gen Bus L § 380-R (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-R - Disclosures to Governmental Agencies.

§  380-r.  Disclosures  to  governmental agencies. Notwithstanding the   provisions of section three hundred eighty-b of this article, a consumer   reporting agency may  furnish  identifying  information  respecting  any   consumer,  limited  to  his  name,  address, former addresses, places of   employment, or former places of employment to a governmental agency.
NY Gen Bus L § 380-S (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-S - Theft of Identity.

§ 380-s. Theft of identity. No person, firm, partnership, corporation,   or  association  or employee thereof shall knowingly and with the intent   to defraud, obtain,  possess,  transfer,  use,  or  attempt  to  obtain,   possess,  transfer,  or  use credit, goods, services or anything else of   value in the name of another person without his or her consent.
NY Gen Bus L § 380-V (2021)
2021 New York Laws GBS - General Business Article 25 - Fair Credit Reporting Act 380-V - Severability.

§  380-v.  Severability.  If  any  provision  of  this  article or the   application thereof to  any  person  or  circumstances  is  held  to  be   invalid,   such   invalidity   shall  not  affect  other  provisions  or   applications of this article which  can  be  given  effect  without  the   invalid provision or application, and to this end the provisions of this   article are severable.
NY Gen Bus L § 383 (2021)
2021 New York Laws GBS - General Business Article 25-A - Articles of Bedding 383 - Definitions.

§ 383. Definitions. For the purposes of this article:1.  "Bedding"  shall mean any mattress or box spring which can be used   by any human being for sleeping or reclining purposes;2. "New" shall mean  any  material  or  article  which  has  not  been   previously  used  for any purpose, including by-products produced in the   manufacture of new fabric, and material reclaimed from new fabric;3. "Used" shall  mean  any  components,  articles  or  materials  from   bedding not classified as new.