Okla. Stat. tit. 36, § 36-956: Adverse action based upon credit information -

Notification to consumer.

If an insurer takes an adverse action based upon credit

information, the insurer shall:

1. Provide notification to the consumer that an adverse action

has been taken, in accordance with the requirements of the federal

Fair Credit Reporting Act, 15 USC 1681m(a); and

2. Provide notification to the consumer explaining the reason

for the adverse action. The reasons must be provided in

sufficiently clear and specific language so that a person can

identify the basis for the insurer’s decision to take an adverse

action. Such notification shall include a description of up to four

factors that were the primary influences of the adverse action. The

use of generalized terms such as “poor credit history”, “poor credit

rating”, or “poor insurance score” does not meet the explanation

requirements of this subsection. Standardized credit explanations

provided by consumer reporting agencies or other third-party vendors

are deemed to comply with this section.