Mich. Comp. Laws § 445.2514: Inapplicability of Article 3 to certain entities or uses.

Sec. 4.

Article 3 does not apply to any of the following entities or uses:

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

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

(c) 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.

(d) 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.

(e) 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.

(f) 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.

(g) 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 ).