(a) Designation of accounts. A creditor that furnishes credit information shall
designate—
(1) any new account to reflect the participation of both spouses if the
applicant’s spouse is permitted to use or is contractually liable on the
account (other than as a guarantor, surety, endorser, or similar party);
and
(2) any existing account to reflect such participation, within 90 days
after receiving a written request to do so from one of the
spouses.
6-051
(b) Routine reports to consumer reporting agency. If a creditor furnishes credit information to a consumer reporting
agency concerning an account designated to reflect the participation of both
spouses, the creditor shall furnish the information in a manner that will
enable the agency to provide access to the information in the name of each
spouse.
(c) Reporting in response to inquiry. If a creditor furnishes credit information, in response to an inquiry,
concerning an account designated to reflect the participation of both
spouses, the creditor shall furnish the information in the name of the spouse
about whom the information is requested.
