Minnesota § 72A.496 INVESTIGATIVE CONSUMER REPORTS

Minnesota Statutes

§ 72A.496 — INVESTIGATIVE CONSUMER REPORTS

Minnesota § 72A.496

PartINSURANCE

Ch. 72AINSURANCE INDUSTRY TRADE PRACTICES

This text of Minnesota § 72A.496 (INVESTIGATIVE CONSUMER REPORTS) is published on Counsel Stack Legal Research, covering Minnesota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Minn. Stat. § 72A.496 (2026).

Text

Subdivision 1.Notice. An insurer, insurance agent, or insurance-support organization must not prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits, unless the insurer or insurance agent informs the person:

(1)that the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and

(2)that, upon a request pursuant to section72A.497, the individual is entitled to receive a copy of the investigative consumer report. Subd. 2.Reports prepared by insurers. If an investigative consumer report is to be prepared by an insurer or insurance agent, the insurer or insur

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Subdivision 1.Notice.
An insurer, insurance agent, or insurance-support organization must not prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits, unless the insurer or insurance agent informs the person:
(1) that the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and
(2) that, upon a request pursuant to section72A.497, the individual is entitled to receive a copy of the investigative consumer report.

Subd. 2.Reports prepared by insurers.
If an investigative consumer report is to be prepared by an insurer or insurance agent, the insurer or insurance agent shall institute reasonable procedures to conduct a personal interview requested by an individual.

Subd. 3.Reports prepared by insurance-support organizations.
If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures for conducting an interview, if requested.