(a) Scope. This section applies to any consumer reporting agency
as defined in section 603(f) of the FCRA, 15 U.S.C. 1681a(f).
(b) Limitation regarding prohibited
medical debt information. A consumer reporting agency may include
medical debt information, as defined in section 1022.3(j), in a consumer
report furnished to a creditor only if the consumer reporting agency:
(1) Has reason to believe
the creditor intends to use the medical debt information in a manner
not prohibited by section 1022.30; and
(2) Has reason to believe the creditor
is not otherwise legally prohibited from obtaining or using the medical
debt information, including by a state law that prohibits a creditor
from obtaining or using medical debt information.