Page:United States Statutes at Large Volume 110 Part 4.djvu/595

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PUBLIC LAW 104-208—SEPT. 30, 1996 110 STAT. 3009-432 "(C) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. "(3) INFORMATION REGARDING INQUIRIES. — Except as provided in section 609(a)(5), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. " (d) RESERVED "(e) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS. — "(1) IN GENERAL.—^A consumer may elect to have the consumer's name and address excluded from any list provided by a consumer reporting agency under subsection (c)(1)(B) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph (2) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. "(2) MANNER OF NOTIFICATION.— ^A consumer shall notify a consumer reporting agency under paragraph (1)— "(A) through the notification system maintained by the agency under paragraph (5); or "(B) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. " (3) RESPONSE OF AGENCY AFTER NOTIFICATION THROUGH SYSTEM.— Upon receipt of notification of the election of a consumer under paragraph (1) through the notification system maintained by the agency under paragraph (5), a consumer reporting agency shall— "(A) inform the consumer that the election is effective only for the 2-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph (2)(B); and "(B) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph (5), in the case of a request made at the time the consumer provides notification through the system. "(4) EFFECTIVENESS OF ELECTION.— An election of a consumer under paragraph (1)— "(A) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph (2); "(B) shall be effective with respect to a consumer reporting agency— "(i) subject to subparagraph (C), during the 2-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph (2)(A); or