{"data":{"id":"us-nc/n.c.-gen.-stat.-75-135","jurisdiction":"us-nc","citation":"N.C. Gen. Stat. § 75-135","heading":"Required disclosure.","body":"(a)\tPrior to charging or collecting any fee or compensation from a consumer for obtaining, providing, or monitoring the consumer's credit report on behalf of the consumer, a credit monitoring service shall provide a clear and conspicuous written description of a consumer's right to one free credit report per year pursuant to section 612(a) [15 U.S.C. § 1681j(a)] of the federal Fair Credit Reporting Act, and how to obtain those credit reports from each of the nationwide consumer reporting agencies, as defined in section 603(p) [15 U.S.C. § 1681a(p)] of the federal Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq.\n(b)\tIf the credit monitoring service is offered and fees are collected during a telephone call, the notice required by subsection (a) of this section will be offered in the same manner.\n(c)\tA violation of this section is a violation of G.S. 75-1.1, except that compliance with the requirement that the notice required by this section be clear and conspicuous shall be enforced exclusively by the Attorney General under G.S. 75-15. (2009-355, s. 7.)","path":["Chapter 75. Monopolies, Trusts and Consumer Protection.","Article 7. Credit Monitoring Services Act."],"source_url":"https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_75/GS_75-135.html","current_through":"S.L. 2026-30","vintage":"","retrieved_at":"2026-08-27T18:09:17Z","sha256":"c2a23713595c0f657351715e2c8458941d4c232c5c417af2b5988e9b039363bc","source_id":"us-nc","stale":false,"prev":"us-nc/n.c.-gen.-stat.-75-134","next":"us-nc/n.c.-gen.-stat.-75-136"},"notice":"GroundRules: Original legal text. Not legal advice."}