{"data":{"id":"us-nh/rsa-359-b-4","jurisdiction":"us-nh","citation":"RSA 359-B:4","heading":"Permissible Purposes of Reports.","body":"I. A consumer reporting agency may furnish a consumer report under the following circumstances and no other:\n(a) In response to the order of a court having jurisdiction to issue such an order.\n(b) In accordance with the written instructions of the consumer to whom it relates.\n(c) To a person which it has reason to believe-\n(1) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or\n(2) intends to use the information for employment purposes; or\n(3) intends to use the information in connection with the underwriting of insurance involving the consumer; or\n(4) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or\n(5) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.\nII. (a) A consumer reporting agency may furnish information for the purposes of a transaction under subparagraph I(c)(1) and (5) of this section when the transaction is not initiated by the consumer, only if:\n(1) The consumer authorized the consumer reporting agency to furnish the information; or\n(2) The transaction involves a firm offer of credit to the consumer or is a pre-screening or direct solicitation transaction; and\n(A) The consumer reporting agency has complied with RSA 359-B:4-a; and\n(B) The consumer has not elected in accordance with RSA 359-B:4-a to have information about himself excluded from such transactions.\n(b) Notwithstanding subparagraph (a), a consumer reporting agency may, in the case of a credit transaction initiated by the consumer, use such information in reviewing or collecting an account of the consumer or in other circumstances under which a consumer report may be provided under subparagraph I(c)(5), provided there is an ongoing relationship between the user of the consumer report and the consumer.\n(c) An election of a consumer under RSA 359-B:4-a shall terminate and be of no force or effect following notice from the consumer to the consumer reporting agency, through the system established pursuant to RSA 359-B:4-a, that the election is no longer effective.\nIII. Notwithstanding the provisions of paragraphs I and II, a consumer reporting agency may furnish an investigative consumer report to the consumer as provided in RSA 359-B:9, III.","path":["Title XXXI: TRADE AND COMMERCE","Chapter 359-B: CONSUMER CREDIT REPORTING"],"source_url":"https://gc.nh.gov/rsa/html/XXXI/359-B/359-B-4.htm","current_through":"2025 regular legislative session, or December 2025","vintage":"","retrieved_at":"2026-09-05T15:29:19Z","sha256":"96b65ef8a64f3f90950107fc356bdae4c1311a5c00d46a5fa8df7184e449c137","source_id":"us-nh","stale":false,"prev":"us-nh/rsa-359-b-3","next":"us-nh/rsa-359-b-4-a"},"notice":"GroundRules: Original legal text. Not legal advice."}