In General. This chapter applies to insurers that sell or offer to sell homeowner's insurance or private passenger motor vehicle insurance. Insurance Transaction Not Initiated by a Consumer. This chapter does not apply to the use of a credit report or a credit score derived from a credit report, by an insurer in an insurance transaction that: Is not initiated by a consumer; and Consists of a firm offer of insurance. If an insurer refuses to underwrite after a consumer submits an application in response to a firm offer of insurance made in accordance with §B(1) of this regulation, the refusal to underwrite: Is not part of a transaction that is not initiated by a consumer; and Is subject to this chapter and any provisions of the Annotated Code of Maryland that are applicable to underwriting, including Insurance Article, §27-501, Annotated Code of Maryland. Accuracy or Completeness of Information in Credit Report. This chapter does not apply to a dispute regarding the accuracy or completeness of information in a credit report.