{"data":{"id":"us-mi/mich.-comp.-laws-445.2513","jurisdiction":"us-mi","citation":"Mich. Comp. Laws § 445.2513","heading":"Inapplicability of Article 2 to certain entities or uses.","body":"Sec. 3.\n\nArticle 2 does not apply to any of the following entities or uses:\n\n(a) A person, or a subsidiary, affiliate, agent, or assignee of a person, with which the consumer has, or before assignment had, an account, contract, or debtor-creditor relationship, for the purpose of account review or collecting the financial obligation owing for the account, contract, or debt.\n\n(b) A person that was given access to a consumer's credit report for the purpose of facilitating an extension of credit to the consumer or another permissible use.\n\n(c) A person that is acting under a court order, warrant, or subpoena.\n\n(d) A unit of state or local government that administers a program for establishing and enforcing child support obligations.\n\n(e) The department of human services in connection with a fraud investigation conducted by that department.\n\n(f) Any state or local taxing authority in connection with any of the following:\n\n( i ) An investigation conducted by that taxing authority.\n\n( ii ) The collection of delinquent taxes or unpaid court orders by the taxing authority.\n\n( iii ) The performance of any other duty provided for by law.\n\n(g) A person that furnishes a credit report, or requests that a credit report be furnished, that relates to a consumer in connection with a credit or insurance transaction not initiated by a consumer, if the requirements of 15 USC 1681b(c) are met.\n\n(h) A person that administers a credit file monitoring subscription service to which a consumer or protected consumer has subscribed.\n\n(i) 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.\n\n(j) To the extent not prohibited by another law of this state, a person engaged solely in setting or adjusting an insurance rate, adjusting an insurance claim, or underwriting an insurance risk.\n\n(k) A check services or fraud prevention services company that issues any of the following:\n\n( i ) Reports on incidents of fraud.\n\n( ii ) Authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods.\n\n( l ) 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.\n\n(m) A consumer reporting agency database or file that consists entirely of consumer information concerning, and used solely for, 1 or more of the following:\n\n( i ) Criminal record information.\n\n( ii ) Personal loss history information.\n\n( iii ) Fraud prevention or detection.\n\n( iv ) Employment screening.\n\n( v ) Tenant screening.\n\n(n) A consumer reporting agency that meets both of the following:\n\n( 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.\n\n( ii ) It does not maintain a permanent database of credit information it obtains for purposes of subparagraph ( i ).","path":["MI Code","Chapter 445","Act Act-229-of-2013"],"source_url":"https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-2513","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:31Z","sha256":"317dd5bf4f2a4c3b731274ebd9ed4f215933a692c74ebd58bbdaa45eade11637","source_id":"us-mi","stale":false,"prev":"us-mi/mich.-comp.-laws-445.2512","next":"us-mi/mich.-comp.-laws-445.2514"},"notice":"GroundRules: Original legal text. Not legal advice."}