I. A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (a) In response to the order of a court having jurisdiction to issue such an order. (b) In accordance with the written instructions of the consumer to whom it relates. (c) To a person which it has reason to believe- (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 (2) intends to use the information for employment purposes; or (3) intends to use the information in connection with the underwriting of insurance involving the consumer; or (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 (5) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. II. (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: (1) The consumer authorized the consumer reporting agency to furnish the information; or (2) The transaction involves a firm offer of credit to the consumer or is a pre-screening or direct solicitation transaction; and (A) The consumer reporting agency has complied with RSA 359-B:4-a; and (B) The consumer has not elected in accordance with RSA 359-B:4-a to have information about himself excluded from such transactions. (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. (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. III. 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.
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