09.03.07.02

.02 Definitions.

A. In this chapter, the following terms have the meanings indicated.

B. Terms Defined.

(1) "Business customer" means a person who supplies to a consumer reporting agency information for inclusion in a consumer report.

(2) "Collection agency" has the meaning stated in Business Regulation Article, §7-101(c), Annotated Code of Maryland.

(3) "Commissioner" has the meaning stated in Commercial Law Article, §14-1201(j), Annotated Code of Maryland.

(4) "Consumer" has the meaning stated in Commercial Law Article, §14-1201(c), Annotated Code of Maryland.

(5) "Consumer report" has the meaning stated in Commercial Law Article, §14-1201(d), Annotated Code of Maryland.

(6) Consumer Reporting Agency.

(a) "Consumer reporting agency" has the meaning stated in Commercial Law Article, §14-1201(f), Annotated Code of Maryland.

(b) "Consumer reporting agency" does not include a person who regularly extends credit to consumers and is:

(i) Licensed to extend credit by the Commissioner; or

(ii) A financial institution chartered under the laws of this State or the laws of the United States, the lending operators of which are subject to supervision, examination, and regulation by a State or federal agency.

(7) Credit Repair Agency.

(a) "Credit repair agency" means a person who sells, provides, performs, or represents that the person can or will sell, provide, or perform any of the following services for the payment of money or other valuable consideration:

(i) Improving a consumer's credit record, history, or rating;

(ii) Contacting a consumer reporting agency on behalf of a consumer; or

(iii) Providing a consumer with forms of correspondence to be filled out or copied by the consumer which are intended to be sent to a consumer reporting agency.

(b) "Credit repair agency" does not include a person who is not included within the definition of "credit services business" stated in Commercial Law Article, §14-1901(b), Annotated Code of Maryland.

(8) "File" has the meaning stated in Commercial Law Article, §14-1201(g), Annotated Code of Maryland.

(9) "Person" has the meaning stated in Commercial Law Article, §14-1201(b), Annotated Code of Maryland.