# COMAR Title 09 — Maryland Department of Labor

## Subtitle 03 — Commissioner of Financial Regulation

### Chapter 07 — Credit Reporting Agencies

#### Regulation .02 Definitions.

*COMAR 09.03.07.02*

A. In this chapter, the following terms have the meanings indicated.

B. Terms Defined.

  (1) “Breach of the security of a system” has the meaning stated in Commercial Law Article, §14-3504, Annotated Code of Maryland.

  (2) “Business customer” means a person who supplies to a consumer reporting agency information for inclusion in a consumer report.

  (3) “Collection agency” has the meaning stated in Business Regulation Article, §7-101, Annotated Code of Maryland.

  (4) “Commissioner” has the meaning stated in Commercial Law Article, §14-1201, Annotated Code of Maryland.

  (5) “Consumer” means an individual who resides in Maryland.

  (6) “Consumer report” has the meaning stated in Commercial Law Article, §14-1201, Annotated Code of Maryland.

  (7) Consumer Reporting Agency.

    (a) “Consumer reporting agency” has the meaning stated in Commercial Law Article, §14-1201, Annotated Code of Maryland.

    (b) “Consumer reporting agency” does not include a person who regularly extends credit to consumers and is:

      (i) Licensed to extend credit by the Commissioner; or

      (ii) A financial institution chartered under the laws of this State or the laws of the United States, the lending operators of which are subject to supervision, examination, and regulation by a State or federal agency.

  (8) “Control person” means a person who has the power, directly or indirectly, to direct the management or policies of a consumer reporting agency, whether through ownership of securities, by contract, or otherwise.

  (9) “File” has the meaning stated in Commercial Law Article, §14-1201, Annotated Code of Maryland.

  (10) “Nationwide Mortgage Licensing System and Registry” or “NMLS” has the meaning stated in Financial Institutions Article, §11-501, Annotated Code of Maryland.

  (11) “Person” has the meaning stated in Commercial Law Article, §14-1201, Annotated Code of Maryland.

  (12) “Personal information” has the meaning stated in Commercial Law Article, §14-3501, Annotated Code of Maryland.

  (13) “Simple and easy to understand” has the meaning stated in 16 CFR §642.2.

  (14) “Specialty consumer reporting agency” means a consumer reporting agency that prepares and retains files for one or more of the following:

    (a) Residential history;

    (b) Tenant history; or

    (c) Employment history.