# Commercial Law (GCL)

## Title 14. Miscellaneous Consumer Protection Provisions

### Subtitle 12. Consumer Credit Reporting Agencies

#### Section 14-1205

(a)

  (1) A consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Sec. 14-1203 of this subtitle and to limit the furnishing of consumer reports to the purposes listed under Sec. 14-1202 of this subtitle.

  (2) The procedures at a minimum shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.

  (3) A consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by the prospective user prior to furnishing the user a consumer report.

  (4) No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in Sec. 14-1202 of this subtitle.

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

(c) Notwithstanding the provisions of Sec. 14-1202 of this subtitle, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)