reglab/housing_qa huggingface dataset:
NH Rev Stat § 359-B:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:9 - Disclosures to Consumers.

    359-B:9 Disclosures to Consumers. –||I. Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer:||(a) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.||(b) 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, that in the event an action is brought under this chapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.||(c) The recipients of any consumer report on the consumer which it has furnished:||(1) for employment purposes within the 2-year period preceding the request, and||(2) for any other purpose within the 6-month period preceding the request.||II. The requirements of paragraph I 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 August 29, 1971, except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.||III. Whenever an investigative consumer report is requested by any person, the consumer reporting agency shall furnish to the consumer investigated upon his request, and upon payment by the consumer investigated of a reasonable copy fee, the following:||(a) A copy of the investigative consumer report it has prepared;||(b) The information specified in paragraph I;||(c) The names of all the sources of information in its files on the consumer which were actually used in the preparation of the investigative consumer report; and||(d) The names of all persons to whom the investigative consumer report was sent.|||Source. 1971, 430:1. 1973, 583:1, eff. Sept. 4, 1973.|
NH Rev Stat § 359-B:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:10 - Conditions of Disclosure to Consumers.

    359-B:10 Conditions of Disclosure to Consumers. –||I. A consumer reporting agency shall make the disclosures required under RSA 359-B:9 during normal business hours and on reasonable notice.||II. The disclosures required under RSA 359-B:9 shall be made to the consumer:||(a) In person if he appears in person and furnishes proper identification; or||(b) By telephone if he has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer.||III. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to RSA 359-B:9.||IV. The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence.||V. Except as provided in RSA 359-B:16 and 17, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to RSA 359-B:9, 10 or 15, except as to false information furnished with malice or willful intent to injure such consumer.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:12 - Charges for Certain Disclosures.

    359-B:12 Charges for Certain Disclosures. –||A consumer reporting agency shall make all disclosures pursuant to RSA 359-B:9 and furnish all consumer reports pursuant to RSA 359-B:11, VII, without charge to the consumer if, within 30 days after receipt by such consumer of a notification pursuant to RSA 359-B:15 or notification from a debt collection agency affiliated with such consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected, the consumer makes a request under RSA 359-B:9 or 359-B:11, VII. Otherwise, the consumer reporting agency may impose a reasonable charge on the consumer for making disclosure to such consumer pursuant to RSA 359-B:9, the charge for which shall be indicated to the consumer prior to making disclosure; and for furnishing notifications, statements, summaries, or codifications to a person designated by the consumer pursuant to RSA 359-B:11, VII, the charge for which shall be indicated to the consumer prior to furnishing such information and shall not exceed the charge that the consumer reporting agency would impose on each designated recipient for a consumer report, except that no charge may be made for notifying such persons of the deletion of information which is found to be inaccurate or which can no longer be verified.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:13 - Public Record Information for Employment Purposes.

    359-B:13 Public Record Information for Employment Purposes. –||A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer's ability to obtain employment shall:||I. 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||II. Maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumer's ability to obtain employment is reported it is complete and up to date. For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up to date if the current public record status of the item at the time of the report is reported.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:14 - Restrictions on Investigative Consumer Reports.

    359-B:14 Restrictions on Investigative Consumer Reports. –||Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer 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, or the adverse information was received within the 3-month period preceding the date the subsequent report is furnished.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:15 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:15 - Requirements on Users of Consumer Reports.

    359-B:15 Requirements on Users of Consumer Reports. –||I. Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer, is denied or the charge for such credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against whom such adverse action has been taken and supply the name and address of the consumer reporting agency making the report.||II. Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumer's written request for the reasons for such adverse action received within 60 days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.||III. No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of paragraphs I and II.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:16 - Civil Liability for Willful Noncompliance.

    359-B:16 Civil Liability for Willful Noncompliance. –||Any consumer reporting agency or user of information which willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of:||I. Any actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;||II. Such amount of punitive damages as the court may allow; and||III. 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.|||Source. 1971, 430:1. 2006, 208:2, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:17 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:17 - Civil Liability for Negligent Noncompliance.

    359-B:17 Civil Liability for Negligent Noncompliance. –||Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of:||I. Any actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;||II. 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.|||Source. 1971, 430:1. 2006, 208:3, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:18 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:18 - Jurisdiction of Courts; Limitation of Actions.

    359-B:18 Jurisdiction of Courts;  Limitation of Actions. –||An action to enforce any liability created under this chapter may be brought in any court of competent jurisdiction within 2 years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under this chapter 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 chapter, the action may be brought at any time within 2 years after discovery by the individual of the misrepresentation.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:19 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:19 - Obtaining Information Under False Pretenses.

    359-B:19 Obtaining Information Under False Pretenses. –||Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.|||Source. 1971, 430:1. 1973, 528:253, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 359-B:20 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:20 - Unauthorized Disclosures by Officers and Employees.

    359-B:20 Unauthorized Disclosures by Officers and Employees. –||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 be fined not more than $5,000 or imprisoned not more than one year, or both.|||Source. 1971, 430:1, eff. Aug. 29, 1971.|
NH Rev Stat § 359-B:21 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:21 - Administrative Enforcement.

    359-B:21 Administrative Enforcement. –||Compliance with the requirements imposed under this chapter shall be enforced by the attorney general.|||Source. 1971, 430:1. 1979, 171:1. 1985, 300:7, I(b).|
NH Rev Stat § 359-B:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:22 - Definitions.

    359-B:22 Definitions. –||In this subdivision:||I. "Identity theft" means the unauthorized taking or use of an individual's personal information to obtain credit, goods, services, money, or property, with the intent to commit fraud. In this paragraph, personal information includes, but is not limited to, an individual's first name or initial and last name in combination with any one or more of the following data elements, when either the name or the data elements are not encrypted:||(a) Social security number.||(b) Driver's license number.||(c) Account number, credit card number, or debit card number, in combination with any required security code, access code, or password that would permit access to an individual's financial account.||II. "Proper identification" has the same meaning as in 15 U.S.C. section 1681h(a)(1), and includes:||(a) The consumer's full name, including first, last, and middle names and any suffix.||(b) Any name the consumer previously used.||(c) The consumer's current and recent full addresses, including street address, any apartment number, city, state, and zip code.||(d) The consumer's social security number.||(e) The consumer's date of birth.||III. "Security freeze" or "freeze" means a notice placed in a consumer report at the request of the consumer pursuant to RSA 359-B:24 that prohibits a consumer reporting agency from releasing the consumer report or credit score.|||Source. 2006, 208:1, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:25 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:25 - Repealed by 2018, 198:2; 209:2, eff. Jan. 1, 2019.

    359-B:25 Repealed by 2018, 198:2;  209:2, eff. Jan. 1, 2019. –|
NH Rev Stat § 359-B:26 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:26 - Persons Not Required to Place Security Freeze.

    359-B:26 Persons Not Required to Place Security Freeze. –||The following persons are not required to place a security freeze on a consumer report pursuant to RSA 359-B:24, except that any person that is not required to place a security freeze on a consumer report under paragraph III is subject to a security freeze placed on a consumer report by another consumer reporting agency from which it obtains information:||I. A check services or fraud prevention services company that reports on incidents of fraud or issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payment.||II. A deposit account information service company that issues reports regarding account closures due to fraud, overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring financial institutions for use only in reviewing that consumer's request for a deposit account at the inquiring financial institution.||III. A consumer reporting agency that:||(a) Acts only to resell credit information by assembling and merging information contained in a database of one or more consumer reporting agencies; and||(b) Does not maintain a permanent database of credit information from which new consumer reports are produced.|||Source. 2006, 208:1, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:27 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:27 - Victim of Identity Theft; Access to Consumer Report.

    359-B:27 Victim of Identity Theft;  Access to Consumer Report. –||Every consumer credit reporting agency shall, upon the receipt from a victim of identity theft of a police report, investigative report, or complaint the consumer has filed with a law enforcement agency about unlawful use of personal information by another person, provide the victim, free of charge and upon request, a copy of his or her consumer report and such additional copies of the consumer report as he or she may be entitled to under the Fair Credit Reporting Act, 15 U.S.C. section 1681 et seq.|||Source. 2006, 208:1, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:28 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:28 - Consumer Report Files of Deceased Persons.

    359-B:28 Consumer Report Files of Deceased Persons. –||I. An executor, administrator, or other person authorized to act on behalf of an estate of a deceased person may request that a consumer reporting agency indicate on the deceased person's consumer report that the person is deceased. The consumer reporting agency shall indicate on the deceased person's consumer report that the person is deceased within 5 business days of receipt of the following documentation from the executor, administrator, or other person authorized to act on behalf of the estate of the deceased person:||(a) A certificate of death, a certificate of appointment, letters testamentary, or other order from the probate court authorizing the executor, administrator, or other person to act on behalf of the estate of the deceased person; and||(b) A request to indicate on the deceased person's consumer report that the person is deceased.||II. The consumer reporting agency may remove the indication placed on the person's consumer report pursuant to paragraph I if the consumer reporting agency finds that the indication was placed on the person's consumer report through material misrepresentation of fact. If the consumer reporting agency intends to remove the indication pursuant to this section, the consumer reporting agency shall notify the person or the executor, administrator, or other person authorized to act on behalf of the estate in writing prior to removing the indication.|||Source. 2006, 208:1, eff. Jan. 1, 2007.|
NH Rev Stat § 359-B:29 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-B - Consumer Credit Reporting|Section 359-B:29 - Police Report Regarding Identity Theft.

    359-B:29 Police Report Regarding Identity Theft. –||I. A person who has learned or reasonably suspects that he or she has been the victim of identify theft may contact the local law enforcement agency that has jurisdiction over his or her place of residence, which shall take a police report of the matter, and provide the complainant with a copy of that report. Notwithstanding the fact that jurisdiction may lie elsewhere for investigation and prosecution of a crime of identity fraud, the local law enforcement agency shall take the complaint and provide the complainant with a copy of the complaint and may refer the complaint to a law enforcement agency in a different jurisdiction.||II. Nothing in this section shall interfere with the discretion of a local law enforcement agency to allocate resources for investigations of crimes. A complaint filed under this section is not required to be counted as an open case for purposes such as compiling open case statistics.|||Source. 2006, 208:1, eff. Jan. 1, 2007.|
NH Rev Stat § 359-C:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-C - Right to Privacy|Section 359-C:1 - Short Title.

    359-C:1 Short Title. –||This chapter may be cited as the New Hampshire right to privacy act.|||Source. 1977, 594:1, eff. Sept. 17, 1977.|
NH Rev Stat § 359-C:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 359-C - Right to Privacy|Section 359-C:2 - Purpose.

    359-C:2 Purpose. –||The general court finds and declares as follows:||I. The confidential relationships between financial institutions and creditors and their respective customers are built on trust and must be preserved and protected.||II. The purpose of this chapter is to protect the confidential relationship between financial institutions and creditors and their respective customers.|||Source. 1977, 594:1. 1983, 174:1. 1992, 268:1, eff. July 17, 1992.|